r/CreditCards • u/MistahAl • 8h ago

Card Recommendation Request (Template NOT Used) First time credit card user @ 680

I’m looking into credit cards to soon build my credit in a few months, since I would have at least $500 ready to begin my journey but I don’t know which to start on at 22 years old.

My goals is to build my credit score (currently at 680) and use my credit card as my main spender rather than my checking account (still have it by hand to Zelle/rent, etc) and use cash back. I currently bank with capital one as my main bank for everyday+my hys. Of course, I want to make sure to pay that said balance back before the due date in full+I’m getting the rhythm down for making sure my money goes to each account for specific things.

I’m leaning towards capital one quicksilver as my first card or discover it student chrome!

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u/DarthLegalEagle007 5h ago

Since you're a beginner, start out with no annual fee cash back cards. Nothing fancy yet. Discover It Cash Back, American Express Blue Cash Everyday, Capital One Quicksilver, Chase Freedom Unlimited, and Citi Double Cash are all good cards. When you have more experience then you can move on to travel/points cards.

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u/MistahAl 8h ago

+forgot to add but currently working retail ($16 around 35 hours a week) and looking into getting into the trades soon (specifically electrical) if that helps

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u/madskilzz3 7h ago

For some reason, I read first credit user @ 68 (chronological age) 😂

Anyways, student cards are good start- C1 Savor, Discover IT, or BofA CCR. Use the pre-approval tools to gauge your odds.

Pay off your statement balance (monthly bill) in full before the due date each month. Toggle on autopay for statement balance, should you fail to manually pay (life happens). This is all there is to it to build credit- a marathon, not a sprint.

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u/MistahAl 7h ago

Thank ya!! I’m excited to get into this, will get into all this next month since I did the checking account offer for chase for November+half the big bills will get paid off, honestly by tax season I may invest that into the credit fund! I’m looking into these three now!