Are you a young adult with no credit history? Or maybe you have a limited credit history?

In either case, you may wonder which credit card is right for you. Don’t worry – we’ve got the answers.

We’ve compiled a list of the best credit cards for young adults so that you can find the perfect card for your needs.

Whether you’re looking for a card with low-interest rates or generous rewards, we’ve got something for everyone.

So what are you waiting for? Check out our list and find the perfect card today!

Which Is the Best Credit Card for Young Adults?

Finding the best credit card is crucial if you are a young adult just starting.

The right card for a young person will depend on their spending habits and financial goals.

Here are the best credit cards for young adults.

Chase Freedom Unlimited®

chase freedom unlimited, credit card

The new Chase Freedom Unlimited® card offers a $200 bonus for spending $500 in the first three months and 5% cash back on groceries (up to $800).

You also get 3% cash back on dining, drugs, and travel and 1.5% cashback on everything else.

Plus, there’s no annual fee, and your rewards don’t expire as long as your account is open.

Cash Back Rates

– 1.5% cash back on all purchases

– 3% cash back on dining, drugstore, and travel purchases

– 5% cash back on grocery stores (excluding Target® and Walmart®) purchases on up to $12,000 spent in the first year

Features

– 0% intro APR for 15 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 17.99%–26.74%

– No annual fee

– Cash back rewards do not expire as long as your account remains open

Pros

The card includes a $200 bonus for spending $500 in the first three months, 5% cash back on groceries (up to $800), 3% cash back on dining, drugs, and travel, and 1.5% cash back on everything else. Plus, there’s no annual fee, and your rewards don’t expire as long as your account is open.

Cons

The variable APR after the intro period, no sign-up bonus for spending more than $500 in the first three months, and no bonus categories beyond groceries, dining, drugs, and travel.

Bottom line

This card is suitable for young adults because it has a $200 bonus for spending $500 in the first three months, 5% cash back on groceries (up to $800), 3% cash back on dining, drugs, and travel, and 1.5% cash back on everything else.

There’s no annual fee, and your rewards don’t expire as long as your account is open.

Chase Freedom Flex®

chase freedom flex, credit card

The Chase Freedom Flex® offers new members a $200 bonus plus a 5% groceries store offer – up to $800 total cash back.

Additionally, you can earn a $200 bonus after you spend $500 on purchases in the first three months from account opening.

Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year (that’s $600 cash back!).

Cash back Rates

– 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year

– 5% cash back on different categories like gas stations, grocery stores (excluding Target® and Walmart®), and select online merchants on up to $1,500 in total combined purchases each quarter you activate.

– 3% cash back on dining at restaurants, including takeout and eligible delivery services

– 3% cash back on drugstore purchases

– 1% cash back on all other purchases

Features

– 0% intro APR for 15 months

– No annual fee

– Cash Back rewards do not expire

Pros

The Chase Freedom Flex® card comes with a few pros and cons. On the pro side, there is a $200 bonus for spending $500 in the first three months and an additional 5% cash back on grocery store purchases (up to $800 total cash).

Additionally, there is no annual fee, and the cashback rewards do not expire.

Cons

On the downside, there is a variable APR of 17.99%–26.74%, which could be a bit high for some people. Additionally, the cashback rewards are limited to specific categories (5% on grocery stores, 3% on dining, etc.), so you may be unable to maximize your rewards if you don’t spend a lot in those categories.

Bottom line

The Freedom Unlimited card has a low intro APR, which is suitable for young adults who want to start building their credit history.

This card offers 0% intro APR for 15 months from account opening on purchases and balance transfers. This means you can make new purchases or transfer a balance without worrying about being charged interest for a while.

And you won’t have to pay an annual fee for using the card. Plus, your cash back rewards will never expire as long as your account remains open.

Discover it® Cash Back

discover it cash back, credit card

For newcomers, the Discover it® Cash Back card offers an unlimited 1-to-1 match of all the cash back you’ve earned at the end of your first year.

You’ll also earn 5% cash back on everyday purchases at different places each quarter, with no limit on how much you can make. Plus, there’s no annual fee and several great features like 0% Intro APR for 15 months on purchases, balance transfers, and free Social Security number alerts.

Cash back rates

– 5% cash back on everyday purchases each quarter at different places like Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum.

– 1% cash back on all other purchases is automatic.

Features

– 0% Intro APR for 15 months on purchases and balance transfers. 3% Intro Balance Transfer Fee, 14.99% to 25.99% Standard Variable Purchase APR, and up to 5% fee for future balance transfers.

– There’s no annual fee for the Discover it® Cash Back credit card

– Online Privacy Protection helps regularly remove your info from ten popular people-search websites that could sell your data.

– Free Social Security number alerts. Get alerted instantly if your Social Security Number is found on thousands of Dark Web sites

Pros

A fair 5% cash back is offered at popular places, like Amazon.com, grocery stores, restaurants, and gas stations, and when you pay using PayPal.

You also get 1% cash back on all other purchases. Plus, your card has no annual fee, and you get online privacy protection and free Social Security number alerts.

Cons

One downside is that there is a 3% Intro Balance Transfer Fee, then a Variable Purchase APR and also up to 5% fee for future balance transfers.

Bottom line

The Discover it® Cash Back card is among the best credit cards for young adults because of its great cashback offers, no annual fee, and added protection benefits. Plus, it’s simple to use and convenient, making it an excellent option for those starting.

Chase Sapphire Preferred®

chase sapphire preferred, credit card

The offer for new members of Chase Sapphire Preferred® is 60,000 bonus points after spending $4,000 on purchases within three months of account opening.

Additionally, cardholders can earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®, 5x total points on travel purchases through Chase Ultimate Rewards®, 2x on other travel purchases, and 1 point per dollar spent on all other purchases.

Rewards and benefits

– Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®

– Earn 5x total points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit

– Earn 2x on other travel purchases

– Earn 3x points on dining, including delivery services, takeout, and dining out

-Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs).

-Earn 3x points on select streaming services. Plus, earn 1 point per dollar spent on all other purchases

Features

– Get 25% more value when redeemed for travel.

– Each account anniversary, you’ll earn bonus points equal to 10% of your purchases the previous year.

– That means if you spend $25,00you’llurchases, you’ll get 2,500 bonus points.

– Eligible cardmembers can break up card purchases of $100 or more into fixed monthly payments with My Chase Plan®.

– No interest, just a fixed monthly fee.

– There is an 18.99%–25.99% variable APR.

– The annual fee is $95.

– You will pay no foreign transaction fees when you use your card for purchases made outside the United States

Pros

The Chase Sapphire Preferred® credit offers a high rewards rate on dining, groceries, and travel purchases. Additionally, cardholders can earn bonus points each account anniversary, and there are no foreign transaction fees when using the card abroad.

Cons

The card does have an annual fee and a variable APR that ranges from 18.99% to 25.99%.

Bottom line

The Chase Sapphire Preferred card is the best for young adults because it offers a significant bonus point incentive after spending a certain amount within the first few months.

Additionally, cardholders can earn 5x points on all travel purchases, 2x points on other travel purchases, and 3x points on dining and select streaming services.

Overall, this credit card is excellent for those who enjoy traveling and dining out.

Discover it® Student Cash Back

discover it student cash back, credit card

If you are a new Discover it® Student Cash Back member, you will get an Unlimited Cashback Match. That means Discover will match all the cash back you earn in your first year.

So if you earn $50, Discover will give you another $50. You can also get 5% cash back on different things each quarter, like Amazon.com, grocery stores, restaurants, and gas stations. Plus, you can earn 1% cash back on everything else.

Cashback rates

– 5% cash back on everyday purchases at different places each quarter, like Amazon.com, grocery stores, restaurants, and gas stations, and when you pay using PayPal, up to the quarterly maximum when you activate

– 1% cash back on all other purchases in automatic

Features

– 0% Intro APR for six months on purchases

– 15.99% – 24.99% Standard Variable Purchase APR will apply

– Redeem for cash in any amount at any time

– Even use your rewards to shop for whatever you need at Amazon.com or millions of online stores with PayPal

– Discover is accepted by 99% of the places across the country that take credit cards

– The Discover it® Student Cash Back Card helps you build credit with responsible use

Pros

The credit card is an excellent card for young adults. It offers an unlimited cash back match at the end of the first year and 5% cash back on different places each quarter. This card also has a low intro APR and no annual fee.

Cons

There is a 3% foreign transaction fee.

Bottom line

The Discover it® Student Cash Back Card is one of the best credit cards for young adults because it offers unlimited cashback matches.

That means that if you earn $100 in cash back, Discover will give another $100, making your total $200.

You can also get 5% cash back on other purchases each quarter and 1% on all other purchases

Plus, there’s no minimum spending or maximum rewards. And if that’s not enough, the card comes with a 0% Intro APR for six months on purchases.

So it’s a great way to build credit with responsible use!

Petal 2 Visa® Credit Card

petal 2 visa, credit card

The Petal 2 Visa® Credit Card offers new members no fees, designed to help them build credit. Additionally, customers can get 1% cash back immediately, potentially earning up to 1.5% when they pay on time.

Plus, there are select merchants where customers can earn a 2% – 10% bonus cash back. The variable APRs range from 15.99% – 29.99%, and the credit limit range is $300 – $10,000.

Cash back rates

– Get 1% cash back right away

– Earn up to 1.5% when you pay on time

– 2% – 10% bonus cash back at select merchants

Features

– No Fees

– Designed to help you build credit

– Grow your credit score with responsible spending and on-time payments;

– Control your spending, set a budget, and see how much you’ve left to spend

– Feel safe & secure; freeze your card at any time to protect your account

– Be assured that your data is always safe and encrypted

Pros

The card has no fees and offers 1% cash back on all purchases.

Unlike other cards, there are no specific purchase categories, so that customers can earn cash back on anything.

Plus, customers can potentially increase their cashback bonus rate when they pay on time.

Cons

One downside of the Petal 2 Visa® Credit Card is that it has a variable APR of 15.99% – 29.99%. This could cost you more in interest if you don’t pay your balance in full each month.

The card does not offer introductory bonuses or rewards.

Bottom line

The great cashback rates make the Petal 2 Visa® Credit Card an excellent option for those who want to earn rewards for their spending.

The card also offers free and secure online access to your account and the ability to freeze your card if you lose it or it’s stolen.

The Petal 2 Visa® Credit Card is an excellent option for young adults looking to build their credit score.

American Express Blue Cash Everyday®

american express blue cash everyday, cedit card

For newcomers of the American Express Blue Cash Everyday®, there is an offer to earn up to $150 back when shopping with PayPal and an additional offer to earn $100 back when spending $2,000 in the first six months.

The card also has a 0% intro APR on purchases and balance transfers for 15 months.

Cash back rates

– 3% cash back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%)

– 3% cash back on U.S. online retail purchases, on up to $6,000 per year in purchases (then 1%)

– 3% cash back on gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%)

– 1% cash back on other purchases

Features

– 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 17.74% to 28.74%

– The card allows one to carry a balance with interest or pay in full each month. So, you can have the payment flexibility you need while continuing to earn rewards, whether you’re managing your monthly expenses or making a large purchase

– You can add an extra card to your account for anyone who often makes purchases on your behalf, such as a teenager (13 years or older), spouse, or employee

Pros

With the 0% intro APR on purchases and balance transfer for 15 months, you’ll have plenty of time to pay off any large purchases or debts without incurring interest. In addition, the cashback rates are great and can help you save on your everyday expenses.

Cons

The 3% cashback rewards for grocery, online retail, and gas purchases only apply to up to $6,000 per year in purchases. After reaching that limit, customers earn 1% back on those categories.

Bottom line

The American Express Blue Cash Everyday® is an excellent credit card for young adults. It offers 3% cash back on groceries, 3% cash back on gas, and 1% cash back on other purchases.

It also has a 0% intro APR on purchases and balance transfers for 15 months from the account opening date.

This card is an excellent option for young adults who want to earn rewards while they manage their monthly expenses.

Capital One Quicksilver Rewards for Students

capital one quicksilver rewards for students, credit card

This card has a one-time offer of $100 if you spend $100 in the first 3 months. This is exclusively for students; whether you’re at a 4-year university, community college, or other higher education institution, this card might be an option for you.

It also offers 1.5% cash back on every purchase, every day.

There are no annual fees or foreign transaction fees, and you can redeem rewards for any amount of cashback. Pluscashbackare extra benefits like automatic travel insurance and security alerts if someone tries to use your card without your permission.

Cash back rates

– 1.5% cash back on every purchase

Features

– Earn a one-time $100 cash bonus once you spend $100 on purchases within 3 months from account opening if you are a new member

– $0 annual fee

– Purchase Rate 17.99% – 27.99% variable APR, no transfer Fee with this Transfer APR

– No foreign transaction fees; you don’t have to pay a thing when you buy something from outside of the Unitdon’tates

– Rewards don’t expire for the life of the account, and you can redeem them for cash back for any amount

– You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card

– Get automatic travel insurance for a covered loss at no extra charge when you use your credit card to purchase your fare

– Get security alerts via text, email, and phone if Capital One notices potential suspicious transactions on your account

– 24/7 Helpful customer service representatives are available to assist you 24 hours a day

Pros

The Capital One Quicksilver Rewards for Students has an annual fee of $0 and offers cash-back rewards of 1.5% on all purchases. Additionally, the card comes with many other benefits, such as purchase protection and extended warranty coverage.

Cons

The only downside is that the card has a variable APR of 17.99% – 27.99%, so it’s important to be mindful of your spending and make sure to pay off your balance each month to avoid any interest charges.

Bottom line

The Capital One Quicksilver Rewards for Students card is a nice option for young adults because it has no annual fee, a low purchase rate, and no foreign transaction fees. Additionally, you can earn 1.5% cash back on every purchase, and rewards don’t expire for the life of the account.

Discover It® Student Chrome

discover it student chrome, credit card

The Discover It® Student Chrome card has some good offers for people who have just joined.

For one, Discover will automatically match all the cash back you’ve earned at the end of your first year. So if you earn $50 in cash back, Discover will give you another $50.

You also don’t need a credit score to apply, and there’s no annual fee. Plus, your credit history will be reported to the major credit bureaus so that you can build your credit if used responsibly.

Lastly, security alerts are offered by Discover Bank at no cost.

Cash back rates

– 2% cash back at gas stations and restaurants (including cafes, takeout, delivery, and fast-food) on up to $1,000 in combined purchases each quarter

– 1% cash back on all other purchases

Features

– No annual fee

– No credit score is required to apply

– 0% Intro APR for 6 months on purchases, then 15.99% to 24.99% Standard Variable Purchase APR will apply

– Discover is accepted by 99% of the places across the country that take credit cards

– Discover reports your credit history to the three major credit bureaus, so it can help build your credit if used responsibly

– Security alerts are offered by Discover Bank at no cost

Pros

The Discover It® Student Chrome offers 2% cash back on gas and restaurants, which is a higher rate than many other cards. And there’s no annual fee or credit score required to apply.

Additionally, the card issuer, Discover, is accepted by almost all the places that take credit cards.

Cons

There is a 0% intro APR for 6 months on purchases, and then the standard variable purchase APR will apply. So be sure to carefully read the terms and conditions before applying.

Bottom line

Discover It® Student Chrome is the best credit card for young adults because it offers 2% cash back on gas and restaurants, which are places that young adults often go.

It also has no annual fee, so you don’t have to worry about paying anything extra, and it’s easy to apply for.

Using this card responsibly will improve your credit score because Discover reports your credit history.

What Credit Card Should a 21-Year-Old Get?

When it comes to choosing a credit card, there are a few things that a young adult should keep in mind.

First, finding a card with low-interest rates and fees is important. This will help you avoid debt and keep your payments affordable.

Second, look for a card that offers rewards or cash back on purchases. This can help you save money on everyday expenses or even earn points for travel or other perks.

Finally, make sure the card you choose is from a reputable company with good customer service. This will give you peace of mind knowing that you can always get help if you need it.

If you are 21 or less, here is a list of the best credit cards for that age.

What Is the Easiest Credit Card to Get for a Young Person?

It can be difficult for young adults to get approved for a credit card.

Many cards require excellent credit, which can be hard if you’re starting.

There are a few things that young adults can do to make the process easier. The most important thing is your credit score. Lenders use this number to determine your creditworthiness, so it’s a good idea to know where you stand before you apply.

It is possible to be eligible for a credit card with no credit or poor credit, but be prepared to pay a higher APR and fees.

When building credit scores, you may consider choosing a secured credit card. However, it requires a security deposit, which is used as collateral and helps ensure you will pay your bills on time.

Unsecured credit cards are more difficult to apply for and don’t need you to make a deposit.

Unsecured credit cards have more features and benefits than secured credit cards.

There are also specialized credit cards that are easier to obtain than others (students, starter cards), so you’d better look for one of them.

Your Next Credit Cards for Young Adults

Credit cards are important to building credit and establishing a good financial history.

Hopefully, this list of the best credit cards for young adults has helped you narrow your choices.

So what are you waiting for? Choose your next credit card and start building your bright future today!