00:00if you're just starting out with credit picking the right credit card is crucial
00:04a beginner card helps you build credit earn rewards and avoid debt but with so many options
00:10it can get confusing in this video i'll show you the top three beginner credit cards in the u.s
00:16for 2025 all have no annual fees easy approvals and solid benefits let's get into it card number
00:25one discover it secured first up the discover it secured credit card one of the best starter cards
00:33for building credit you'll need a refundable deposit starting at 200 that deposit becomes
00:40your credit limit you can earn two percent cash back at restaurants and gas stations up to one
00:47thousand dollars per quarter and one percent cash back on all other purchases at the end of your
00:55first year discover matches all your cash back dollar for dollar so if you earn one hundred
01:02dollars in cash back they'll give you another one hundred dollars after about seven months they
01:07review your account you may qualify for an unsecured upgrade and get your deposit back
01:14they also report to all three credit bureaus helping build your credit a great choice if you're new to
01:20credit or rebuilding card number two capital one quicksilver one next the capital one quicksilver one
01:31no deposit needed it's designed for people with fair credit around a 580 plus score you get 1.5 cash back on
01:42every purchase simple and unlimited no rotating categories no activation needed it does have a 39
01:52annual fee but if you spend about 220 a month the cash back covers it after six months they review your
02:01account you might get a higher credit limit which helps your score plus their app helps you track your
02:08balance and credit easily a good option if you already have some credit history card number three pedal
02:16number two visa third is the pedal number two visa card by webbank ideal for people with no credit score
02:25or no credit history pedal uses your banking history instead of your credit report so if you have steady
02:33income and manage your money well you might qualify best part no annual fee no late fee and no foreign
02:42transaction fees you earn one percent cash back on all purchases that increases to 1.5 percent after 12
02:50months of on-time payments their app shows spending due dates and a score tracker if you want a modern
02:58no fee card with smart tools pedal 2 is a strong pick bonus tip three card growth method here's a
03:06strategy to grow your score fast the three card growth method start with one card use it for small purchases
03:15pay it off in full every month after six months apply for a second card after another six months apply for a
03:23third choose cards with cash back or no fees why it works more accounts or more available credit
03:32lower utilization that improves your credit score significantly just follow these three golden rules always pay on
03:41time never carry a balance keep credit usage under 30 percent ideally under 10 percent done right this can get you to a
03:50$700 plus score in under 18 months if this video helped like share or comment
03:58to help others build credit too see you in the next one
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