For beginners seeking the best and easiest credit card, the Discover it Secured Credit Card is a top choice. This card is specifically designed for individuals with limited or poor credit history. The Discover it Secured Credit Card offers great rewards, such as 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, with no annual fee. Additionally, Discover will conduct monthly account reviews after seven months to determine if the user qualifies to have their deposit refunded.
Another excellent option for beginners is a secured credit card, such as the OpenSky Secured Visa Credit Card. Secured credit cards require a refundable security deposit, which protects the issuer and helps individuals build credit history. The OpenSky Secured Visa Credit Card does not require a credit check or a bank account, making it an easy choice for those with bad or no credit history. Secured cards can also offer rewards of 1% or more on purchases, allowing beginners to earn cash back while building credit. Lastly, store credit cards are often easy to get approved for and can offer purchase rewards or store discounts, making them another viable option for beginners looking to build credit.