Обновлено в мае 2026
Best Starter Credit Cards of 2026
Low fees, easy approval, and real rewards — without the complexity of premium travel hacking. Build credit the smart way while earning meaningful cash back or points.
На сегодня в приоритете
Лучшие текущие возможности в этой категории
Эти карты предлагают выше среднего приветственные бонусы прямо сейчас.
Wells Fargo
Autograph
20,000
Wells
Рейтинги
Топ 8 Best Credit Cards for Beginners
Chase
Freedom Unlimited
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
The best no-fee catch-all for Chase ecosystem builders
Citi
Double Cash
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $2K за 6мес
The simplest 2% cash-back card — and a secret travel weapon
Chase
Freedom Flex
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
The no-fee card for maximizing rotating bonus categories
Chase
Ink Cash
$0/yr
~$750 bonus
Приветственное предложение
750 Cash
Потратьте $6K за 6мес
The no-fee business powerhouse for phone bills and office spending
Chase
Ink Unlimited
$0/yr
~$750 bonus
Приветственное предложение
750 Cash
Потратьте $6K за 6мес
Экосистема Chase UR
Amex
Blue Business Plus
$0/yr
~$300 bonus
Приветственное предложение
15,000 Membership
Потратьте $3K за 3мес
The best no-fee MR card for business owners
Capital One
Savor
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
Экосистема Capital One Miles
Capital One
Quicksilver
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
Экосистема Cash Back
Сравнение бок о бок
Быстрое сравнение
| Карта | Годовая плата | Бонус за регистрацию | Ценность |
|---|---|---|---|
| $0 | 200 Cash | $200 | |
Double Cash Citi | $0 | 200 Cash | $200 |
Freedom Flex Chase | $0 | 200 Cash | $200 |
Ink Cash Chase | $0 | 750 Cash | $750 |
Ink Unlimited Chase | $0 | 750 Cash | $750 |
Ценности бонусов являются оценочными. Всегда проверяйте текущие предложения напрямую у эмитента перед подачей заявки.
Which of these is right for you?
Tell us your spend profile and existing cards. Our AI ranks these by actual value to you — approval odds included.
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Часто задаваемые вопросы
Часто задаваемые вопросы
What is the easiest travel reward card to get approved for?
The Chase Freedom Unlimited (670+ score) and Citi Double Cash (650+) are the most accessible mid-tier reward cards. For absolute beginners with limited credit history, a secured card or student card builds the foundation needed for premium cards.
Should a beginner start with a travel or cash back card?
Cash back is simpler — you get dollars, no redemption strategy needed. But the Chase Freedom Unlimited earns Ultimate Rewards points that can be upgraded to 1.5× transfer-partner value if you add a Sapphire card later, making it a powerful gateway card.
CreditPoints may receive compensation when you are approved for a card through links on this page. Offers and card details are based on publicly available information and may change without notice. Rankings reflect editorial judgment based on first-year value estimates. Not affiliated with any card issuer.