Best Credit Cards For Beginners

Updated: Jun 2, 2020

I have been deep into the loyalty points game ever since my first job out of college, where I was on a plane to a new destination every week. The work life integration blog is not entirely about loyalty points, but we will talk about them here and there. I have been following The Points Guy for years and would highly recommend checking out his blog for more advanced loyalty point information. For this post I'm going to share the best credit cards for beginners. It comes dow to the Chase Freedom Unlimited vs Chase Freedom Credit Card.

Why Collect Credit Card Points?

If you are not earning points on every dollar you spend, you are missing out on free money. Cardholders can earn points in many different ways, including sign-up bonuses, making purchases, category bonuses, and referring a friend. With credit cards that earn points you are going to earn at least 1 point for every dollar that you spend, but certain cards offer more. These points can be redeemed for cash back, travel, entertainment, and more. I usually use my points towards airplane tickets and hotel rooms. Sometimes if I see a really cool experience I may use my credit card points for that. These next two credit cards have no annual fees and are a must have for everyone's wallet. These are the best credit cards for beginners.

Chase Ultimate Rewards Points

Before we get into the credit cards, let's quickly discuss the Chase Ultimate Rewards Points, which are my favorite points out of any loyalty program! Your points can be redeemed as cash back and direct deposited into most US bank accounts, shopping for things on or other retailers, but I recommend the Ultimate Rewards Portal. Both the Chase Freedom and Chase Unlimited Credit Cards will get you Ultimate Rewards Points.

Chase Freedom Credit Card is best for beginners to credit card points

Chase Freedom Credit Card

The Chase Freedom is the best credit card for their rotating bonus categories. It's a great starter card because there is a sign up bonus, but there is no annual fee. You get 1% cash back on every purchase, which is less than the Chase Freedom Unlimited Credit Card, so I would still recommend using the unlimited credit card for your everyday purchases.

Chase Freedom Credit Card 5% cash back calendar

The Chase Freedom Credit Card is nice for their quarterly rotating categories. Each quarter they pick a new category where you receive 5% cash back on the first $1,500 in combined eligible purchases in that bonus category.

Chase Freedom Unlimited Credit Card

The Chase Freedom Unlimited is the best credit card for everyday spending. A must have in everyone's wallet. You'll receive 1.5% unlimited cash back on every purchase and there is no limit on how much you can earn. They have a few additional benefits with DoorDash and Lyft. Chase Freedom Unlimited cardholders will receive a complimentary 3 months subscription to DashPass on DoorDash, which gets you free delivery. After the 3 month trial you also get 50% off for the next 9 months. Cardholders will also receive 5% cash back on Lyft rides through March of 2022.

Chase Freedom Unlimited best credit card for beginners

I have been given a special offer to my readers that gets you $200 cash back, which is up from their usual offer of $150.

All you need to do is spend $500 on purchases in the first few months. This card has no annual fee and gets you at least 1.5% cash back on purchases you are making so I recommend this card in everyone's wallet!

Bottom line: Sign up for both of these credit cards, but if you are going to sign up for just one, I would recommend the Chase Freedom Unlimited. If you are not using credit cards you are literally leaving money on the table. Just make sure that you pay them off every month and don't build up any debt!

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