how to choose your first credit card

Best Starter Credit Cards for First-Time Users: A Practical Beginner’s Guide (2026)

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Young first-time user reviewing a credit card at a desk with a checklist showing pay on time, keep balance low, and build credit – best starter credit cards for first-time users.

Best starter credit cards for first-time users can help beginners build credit safely and avoid common mistakes. Learn how to choose the right starter card, compare secured vs unsecured options, and start building credit with confidence.