If you have no credit history, most rewards and travel cards will deny you. Start by pulling your free credit reports at AnnualCreditReport.com to confirm where you stand. See what is a good credit score if you’re not sure how to read the result.
Step 2: Match the Card to Your Situation
- No credit history: Secured card, student card, or become an authorized user.
- Some credit, but thin file: A starter unsecured card or a card marketed for “average” or “fair” credit.
- Already have decent credit: You can consider cards with modest rewards and no annual fee.
Step 3: Compare Fees, Not Just Rewards
For a first card, prioritize:
- $0 or low annual fee
- No or low foreign transaction fee, if relevant
- A reasonable APR, even though you should aim to pay in full each month
- Clear terms on when it reports to the bureaus
Step 4: Apply for Only One Card
Applying to multiple cards at once creates several hard inquiries and lowers your average approval odds. Pick the card that best matches your credit profile and apply for that one first.
Step 5: Use It the Right Way From Day One
- Set up autopay for at least the minimum payment.
- Use it for one or two small recurring bills.
- Pay the statement balance in full whenever possible.
- Check your progress after a few months at AnnualCreditReport.com or through a free score tool from your issuer.
What Not to Do
- Don’t apply based on a friend’s recommendation alone — their card may not match your credit profile.
- Don’t choose a card mainly for a sign-up bonus you can’t realistically meet the spending requirement for.
- Don’t close the card the moment you qualify for something better; keeping it open helps your credit history length.
Frequently Asked Questions
What’s the easiest credit card to get approved for?
A secured credit card is typically the easiest to get approved for, since the deposit reduces the issuer’s risk.
Should I apply for a card online or in person?
Either works, though online applications are usually faster and let you compare terms more easily before applying.
How soon can I apply for a better card after my first one?
Many people upgrade within 6 to 12 months of consistent on-time payments, though it depends on your issuer and how much your score has improved.
Does my income affect approval for a first credit card?
Yes. Issuers are required to consider your ability to repay, so even a modest, honestly reported income (including household income in some cases) helps your application.
Disclosure: This article is for educational purposes only and is not financial advice. Some links on this site may earn us a commission at no cost to you. Read our affiliate disclosure and full disclaimer. Card terms change often, so confirm current rates and fees with the issuer.