I promise you that I did not get paid to create this blog post from Capital One. I will help a commission if you use my link. I personally enjoy using the capital one’s mobile app quite a bit and these were some of the cards that I’ve used over the years that I find to be very good for beginners.
Explore the top beginner credit cards of 2023! Discover our favorite options for newcomers to build credit responsibly and kickstart your financial journey. Compare and choose the perfect card for your needs today.
Best way to Use credit cards http://dorianfinance.com/best-way-to-use-a-credit-card
You might be able to get some of the credit cards but learn how to Build Credit history http://dorianfinance.com/best-way-to-use-a-credit-card-to-build-credit
How to pick a credit card http://dorianfinance.com/how-to-pick-a-credit-card
Capital One Quicksilver
Main benefits are 1.5% back on everything, sign-up bonus of $200, capital One has the best mobile app out of all my credit cards.
Capital One has a reward system and a shopping bonus as well which can give you up to almost 10% back and they do have a travel program portal similar to Chase, I have not looked into it enough to see if there’s a big enough discount between using them versus booking directly with airlines and hotel company.
Capital One Savor
3% back on Restaurants
Sign-up bonus of $100
Capital One has the best mobile app out of all my credit cards.
I like that you can pick which category that you get a 3% back on from gas to groceries to restaurants. The 3% back is also on fast food restaurants.
Sam’s Club Mastercard
5% on Gas
3% on Dining
3% on Sam’s Club purchases for Plus members.
1% on everything else
Use the same Cam’s Club mobile app
I mainly put this on because of the 5% cash back from gas purchases, however the downside of this card is to get it, you have to have a Sam’s Club membership which you can look for the bonuses and discount memberships that could be $20 after the bonus of the $40 back. Costco has A similar card if you’re not by Sam’s Club.
Capital One Walmart
2% Walmart Stores
5% Walmart Delivery
I personally shop at Walmart more than Target or Amazon so the idea of getting 2 to 5% back everytime I shop was good for me.
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