The 5 BEST Credit Cards For Beginners In 2022

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Here are my Top 5 Best Credit Cards For Beginners In 2022, which will help build your credit score for the low cost of $0 – Enjoy! Add me on Instagram: GPStephan






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This card has NO ANNUAL FEE. And you will get you 2% cash back on restaurants and gas stations up to the first $1000, AND you’ll get unlimited 1% cash back on everything else. They’re also running a promotion where they will MATCH your cash back in the first year. Not only that, but Discover also allows you to monitor your FICO score for free on their platform, so you can keep track of how your score is improving over time.

This one also has NO ANNUAL FEE, and they base your credit limit on your banking history – meaning, you have the potential of getting approved without any prior credit history, at all. Since they utilize your banking information, they also double as a personal finance app that calculates your payments, interest if you don’t pay off your balance, your monthly spending, and other personal finance tips to help you save money.

If you get the Amazon Prime Rewards Card – which requires you to have a valid Amazon Prime membership to get the full benefit, you’ll get a $100-$150 amazon gift card for signing up, and then you’ll get unlimited 5% cash back on all amazon and Whole Foods purchases, and 2% cash back at restaurants, gas stations, and drugstores…and then 1% cash back on everything else.

First, they’ll be giving you a $200 bonus when you spend only $500 on purchases within the first 3 months. They’ll also offer you 5% cash back on up to $1500 worth of bonus categories, 5% back on travel through the ultimate rewards portal, 3% back at restaurants and dining….3% on drugstores…and 1% back on everything else. 

You’ll have no annual fee, and UNLIMITED 2% cash back on everything: 1% when you make a purchase, and 1% when you pay it off. Simple!


First, sign up for a free credit monitoring service like or

Second, get yourself the Discover It Secured Credit Card…or, the Petal 2 Visa card if you get approved. From there, just put a few minor expenses on the card every week…and then, pay it off, in full, by the time it’s due…that’s it.

Third, after 6 months of doing that – add ANOTHER credit card to the list, like the Amazon Prime Card, Chase Freedom Flex, or Citi Doublecash. Then…do the same thing as the first step: put a few minor charges on the card, and pay it off in full by the time it’s due.

Fourth, after another 6 months of doing that – open the American Express Blue Cash Charge Card, and then – repeat the same process. You see how easy this is? ALWAYS PAY THEM OFF IN FULL.

Fifth, after another 6 months of paying on time – request a credit limit increases on all of your credit cards….even if you don’t need a higher limit.

Sixth, keep doing this consistently – and within 18-24 months, assuming you carry a zero balance and always pay on time…you should have a score above 740-780, which gets you the lowest interest rates any time you want to leverage your money, get a mortgage, rent an apartment, buy a car…or, do anything, really.


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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See

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31 Responses

  1. Blong Lo says:

    I'm so confused. Opened my first credit in 2019 at 550 score and I paid everything on time and no late payment and have great utilization usage under 20% limit. Still only got 627 today. Why is it so slow…. Sometimes I get no points. Makes no sense. Purpose of credit is for others to see your responsibility of money management but then the system is so dumb when I have not missed a single payment, nor late… I just want a good/excellent rating for better rates :/

  2. Clarence Stinson says:

    Thank you!

  3. Saharsh Goenka says:

    5:57 Wouldn't a perfect credit score be 850?

  4. iDinzy says:

    Hey graham, I'm kind of new into the CC game and I had a question about which credit card to use in certain situations. For restaurants, does it make more since to use my U.S. Bank Altitude Go for 4x, or use my Chase Sapphire Preferred for 3x. I plan on using my chase UR for Hyatt redemption, which has a pretty high redemption rate from my understanding. So is it better to get 4x cashback or 3x UR that I plan on transferring for Hyatt? Hopefully that makes sense, thanks!

  5. Alejandro Zamora says:

    Awesome! thanks for the updated video, I really appreciate it.

  6. geekygirl gaymesalot says:

    What about those with good credit who never had a credit card before and are looking for a good credit card to get? I keep getting citi bank and capital one credit card offers, but they are just annoying and don't want to go with them

  7. Stanley Javin says:

    I realized that the secret to making a million is making better investment. I always tell myself you don't need that new Car or that vacation just yet and that mindset helps me make more money invest:ng. For example last year I invested 70k in blue chip stocks and crypt0 s (with the help of my advisor of course) and made about 380k, but guess what? I put it back and traded with her again and now I'm rounding up close to a million. Delayed gratification always pays off

  8. Domi B says:

    Hey Gram I’m looking for my 2nd card atm I alrdy pulled the trigger on the discover it card last yr I’m currently at +700 CS

  9. Dreadknight3 says:

    I applied for the cash back Discover card and got declined with a 704 credit score

  10. CareFree Walker says:

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  13. Cole Williams says:

    is that a forge gt in the background??

  14. andrew ballista * says:

    for the discover secured card what amount should i put in i was thinking $600?

  15. Rental Watch says:

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  16. Jackeline Pacheco says:

    Can you do a video based on best travel credit cards????

  17. Jonathan Lopez says:

    What does "too few accounts with payments as agreed" mean?

  18. Baar Alon says:

    Is the discover it credit card the cash back or balance transfer?

  19. Abdalla Khedr says:

    i'm watching this with less than one hour from turning 18

  20. Sandor Varga. says:


  21. Carlos Enriquez says:

    Bank of America is better !

  22. Brad Coleman says:

    Hey Graham, Brad here. Thanks for this video. My daughter just turned 18 and I'm thinking about this more. Could you do a video on all of the ways the FICO score is used, and how to avoid those if possible? I believe in living debt free and yet am not blind to the reality that the FICO score is looked at for many things. I just don't know which things it's used for today, and if they can actually be side-stepped.

  23. Rob dob slob says:

    Im a 20 year old with a 766

  24. Juiciest Orange says:

    U kinda lazy with the thumbnails not gonna lie

  25. Martin Alexanrovich says:

    Live in credits, not best decision

  26. RedBull Clips says:

    Would you recommend the chase freedom over the flex?

  27. chris ward says:

    The AMEX blue cash does report a credit limit on your account. It's not a charge card. Mine shows it's credit limit

  28. Morris McGhee says:

    Ahhhhhh the bots

  29. Legend Iggy says:

    Hey can you do a video on the best bank accounts to open for 2022 I seen the last one you did are the best choices still allay or discover?

  30. Macallister Foley says:

    Hey Graham by the looks of it these credit card videos get less than usual videos but I wanted to say thank you and I find these videos soooo important. I am taking this advice at 21 and beginning to build my credit. So please always make these credit card videos!

  31. Iridious says:

    so many bots haha

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