It’s almost a new year, and it’s the perfect time to start getting in control of your finances. But if you’re new to credit, how can you be sure which are the best first credit cards for your profile?

Credit cards offer everything you need to build healthy credit and financial habits without committing too much money or potential risks.

With that said, there are many options out there, making it difficult for beginners to decide which one is right for them.

So, to make things easier, we’ve put together this comprehensive guide on what we consider to be the best first credit cards available in 2023!

Take a closer look at the alternatives we’ve set out for you and compare them to your current financial situation.

Surely you’ll find the perfect option to start your credit-building journey or to help you manage your finances more effectively in the new year.

Keep reading to learn the importance of choosing the right first card and our recommendations for you!

Choosing the best first credit card is an important step in establishing your financial independence.

A good credit card can help you build a solid financial foundation, while a bad one can cause long-term damage to your finances and credit score. 

When deciding on which first credit card to choose, there are several factors to consider. First, consider the APR (annual percentage rate) of the credit card.

This determines how much interest you’ll pay on your balance if you don’t pay it off in full each month.

Second, evaluate any fees or rewards associated with the credit card. Fees such as annual or late payment fees can add up quickly and cause more damage to your credit score.

Finally, think about the rewards structure of the card and decide if it’s best for you.

Some cards offer cash back or travel points while others may have more focused rewards like gas or dining discounts. 

Find a card that best suits your needs and has the best terms to help you build strong financial habits.

Doing your research and choosing the best first credit card will be an important step in setting yourself up for financial success. 

To get started on the pathway to a great credit score, the first step is finding the perfect credit card for your needs.

This can be difficult, however – with hundreds of different cards available it’s hard to know where to start!

We’ve done the research and compiled our favorite picks for the best credit cards for 2023.

These cards offer competitive rates, attractive rewards programs, and more. Check them out below!

The Petal® 1 “No Annual Fee” Visa® Credit Card is the best first credit card for those who are just starting out.

With no annual fee, you can avoid any extra costs and enjoy all the benefits of a traditional Visa® card with no strings attached.

This card offers great perks like cash-back rewards at selected merchants, free credit education tools, and no-cost access to your credit score.

Plus, with Petal’s unique cash flow technology you can track and manage your money more effectively.

With the Petal® 1 “No Annual Fee” Visa® Credit Card, you get a best-in-class credit card experience that won’t cost you extra. You can apply for it regardless of your credit score. 

The Tomo Credit Card is the best first credit card for anyone just starting out. With an easy to manage account, you can start building your credit history in no time.

Plus, you’ll get access to exclusive rewards that help make managing your finances easier than ever before.

The best part? There’s no annual fee and no foreign transaction fees, so you can be sure that you’re getting the best value for your money.

Since this is a charge card, there’s no APR. However, you’ll have to pay your balance in full every month.

The Tomo Card offers up to $10,000 in credit limits and reports all monthly payments to credit bureaus.

So, whether you’re a student or a seasoned adult looking to improve their credit, Tomo has all the features and benefits you need to get started on your financial journey.

The Quicksilver Secured Cash Rewards Credit Card is the best first credit card for those just starting their financial journey. It offers a competitive reward rate and features that help you build your credit history.

Plus, you can benefit from no annual and no hidden charges. And with cash back rewards on every purchase, you’ll be able to watch your savings grow quickly.

With this card, you can get a head start on financial success and enjoy the rewards of responsible spending.

The card requires a $200 minimum security deposit, which will become your spending limit.

However, if you use the card responsibly, you can get a line increase in just 6 months without the need of an additional deposit. 

The Discover it® Student Cash Back is an excellent way for younger people to establish credit and earn rewards.

With no annual fee and an attractive cash back program, this card is one of the best first credit cards for college students.

There’s a 5% return in rotating categories each quarter (up to the quarterly maximum that requires activation).

Plus, 1% back on everything else. Discovers also provides a sign-up bonus that will double your rewards on your account’s one-year anniversary. 

On top of this, Discover it® Student Cash Back offers exclusive student benefits, such as access to free credit score tracking.

With this card, you can get started building your financial future with confidence. 

Are you ready to take the plunge into credit cards? Perhaps it’s your first time applying for a card, or maybe you simply don’t know where to start.

It can be intimidating not knowing what’s out there and feeling like every decision could lead to something unexpected.

Don’t worry; our guide will walk you through the process of choosing your first credit card, from deciding which type is best for you to understanding how rewards work and picking a low-cost option that fits within your budget.

In the link below, we’ll focus on how to make sure your first foray into credit cards is successful – and how you can get the most out of it. Check it out!