6 Best Credit Cards for Beginners 2020 Edition – The Credit Shifu

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In this video we look at the 6 best credit cards for beginners in 2020. Many of these are old favorites and there are some new ones in there as well. The cards include: the Capital One Platinum, Apple Card, Petal Card, X1 Credit Card, Discover it Cash Back Card and the Chase Freedom Flex. Although these aren’t student credit cards you could consider applying for one if you are a student, since they have low credit score and income requirements.

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25 comments

No Name October 27, 2020 - 1:52 am

5% cash back with discover? Never heard that definitely need to check my account 👀

Reply
MarkStory October 27, 2020 - 1:55 am

The background reminds me that I have an impending fee on my Apple Card lol.

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shwap October 27, 2020 - 3:30 am

I did not know about the 1-year rule with Chase. I had my sister apply for a Chase Freedom Unlimited and she was denied. She's had the Capital One Platinum for 11 months, so we will try the reconsideration line or go into a branch. Great info!

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Gabe McLeod October 27, 2020 - 4:25 am

Capital One platinum helped me get back on track.

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BulletResistant October 27, 2020 - 7:13 am

I don't think you can upgrade Capital One Platinum anymore. In Sep 2020, I had no upgrade path or any path to get to a no AF card, so I closed it.

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Guillermo Rodríguez October 27, 2020 - 2:21 pm

For the X1 card, no hard pull equals no 5/24 impact?

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greatjustice October 27, 2020 - 7:34 pm

Hi Credit Shifu, I am relatively new to credit, only about 2-3 months in with a thin file. I was approved for the Discoverit unsecured card in August. I applied for the Freedom Unlimited last month (as I need a Visa card for Costco) but got denied. Since I bank with Chase, I tried to follow what you did and went to the branch. Long story short, the bank manager called the reconsideration line on my behalf, but I still ended up getting denied due to credit too recent among other things.

I was hoping to apply for another Visa card, potentially the BofA cash back card or the Amazon prime visa card. What do you think about this? Or should I just try for the Petal card? I've been reading a lot of negative comments on reddit regarding this card..

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Victor Martinez October 28, 2020 - 12:28 am

My home depo buy turned that color I believe. Already paid off so can’t confirm

Reply
ARG TV October 29, 2020 - 7:20 am

Bro my Chase checking account has been open since 2009 I’ve been trying to get the freedom unlimited forever and they’ve been denying me because they say that I don’t have enough revolving credit and at the time I already had five credit cards so when I talk to the underwriting team they told me I didn’t have enough revolving credit so I don’t understand that 524 rule smh 🤦🏽‍♂️

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Harry Olowo October 29, 2020 - 11:30 pm

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Harry Olowo October 29, 2020 - 11:31 pm

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Agent Max October 29, 2020 - 11:32 pm

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Bella Maddy October 30, 2020 - 2:05 am

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Reply
Bella Maddy October 30, 2020 - 2:05 am

I am renting a house that isn’t getting reported to any of the credit companies. I call in with proof showing I’m paying and paying on time so as to help my rental history still no response. I was finally contacted by Pamela Young who introduce me to The Credit Doctors service. They took over my loan after i paid him of course, His nice and understanding genus and the fee is affordable because i'm sad paying to some other company that i never agreed to pay in the first place but later stole a huge portion of my payment with no result from them before i finally came across FixMyCreditDoctor🧿org. I waited for few weeks (maybe 3 or so) and he round up the reports and clear my student loan at the right time with no traced. He make sure my score is above 801 across the 3 credit bureaus. contact the best credit repair agency to get your credit fixed for you……………………….

Reply
Donnice Salisbury October 31, 2020 - 12:25 am

With the Apple you have to be in the 700club , because I know

Reply
julianne garner October 31, 2020 - 5:28 pm

A credit repair expert at Fix_My_Credit_Doctor. And I must say, they have displayed being #1 in the repair class and in my opinion. I appreciate the time and effort they provide getting your credit repaired and back on track. Very professional and highly trained and skilled people who are great in credit restoring and rebuilding… Reach out to them at FixMyCreditDoctor◍Org

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julianne garner October 31, 2020 - 5:28 pm

A credit repair expert at Fix_My_Credit_Doctor. And I must say, they have displayed being #1 in the repair class and in my opinion. I appreciate the time and effort they provide getting your credit repaired and back on track. Very professional and highly trained and skilled people who are great in credit restoring and rebuilding… Reach out to them at FixMyCreditDoctor◍Org………………….

Reply
Isabella Rose November 15, 2020 - 8:09 am

As a young adult looking for a first time credit card I thought the capital one platinum card was great! I read the reviews and thought this would be perfect for building new credit. However when I went to apply I got denied. I don't know what to do.

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Nathan Braun November 17, 2020 - 8:08 pm

I can't apply for the petal 2 cuz I applied to petal a couple years ago?? makes no sense

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Kevin Ramirez November 28, 2020 - 2:05 am

I applied for the Discover it card and was approved on the spot. Your dreams can come true too and have the discover card as your first card

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Ohioguy 86 December 1, 2020 - 1:24 am

What should I do with my beginner cards when my credit improves? I have capitol 1 platinum 500 limit, Avant 300 limit and First Premier bank 500 limit. I have just been approved for Chase freedom unlimited 500 limit.

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War Against Myself December 5, 2020 - 2:25 am

I applied for the Amazon prime and chase freedom flex both instantly denied me wtf? I have prime too lol. I need a credit card. I have never had one.

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