The best credit cards for young adults have low annual fees, and they all report your payment history to the major credit bureaus on a monthly basis, giving you the chance to improve your credit inexpensively. The very best young adult credit cards also offer above-average rewards, low interest promotions and other perks. To point you in the right direction, we selected the best offers using WalletHub's proprietary credit card rating system. This scale shows how each card stacks up in the overall market and includes feedback from our users and editors.
As you can see, there are lots of different types of credit cards for young adults, so you need to choose wisely. If you have limited credit, get an unsecured card with no annual fee. The best option is the Petal® 2 Visa® Credit Card, which also gives 1 - 1.5% cash back on purchases. If your credit is damaged, we recommend the Discover it® Secured Credit Card, which has a $0 annual fee and gives above-average rewards on purchases.
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If you are a young professional who has already built good credit, you'll have a lot more choices. We recommend a no-annual-fee rewards card, like the Wells Fargo Active Cash® Card, which gives 2% cash rewards on purchases. This allows you to earn a lot of rewards without spending more than necessary.
If you’re not sure what type of credit card you can qualify for, check your latest credit score for free on WalletHub to get a better idea.
