ben hedges: top 5 credit cards for beginners in 2021: build credit & earn rewards
Sep 7, 2026
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In this video we take a look at what I think your first 5 credit cards should be in 2021. This is an update from our previous video back in 2019. Here is a quick list:
Discover It Cash Back (or secured)
Apple Card
Chase Freedom Flex
Amex Credit Card
Chase Sapphire Preferred
I chose two Chase cards because of the 5/24 rule, the Amex credit card to increase credit limit, Amex generally gives higher limits, the Apple card is for coolness and the Discover it card is so you can earn cash back right off the bat. You could also try the Capital One Platinum as a first card, but it doesn't earn any rewards.
SONG FROM OUTRO
Track: Halcyon & Valentina Franco - Runaway (Heuse Remix) [NCS Release]
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Watch: youtu.be/5bj44xI2oWw
Free Download / Stream: ncs.io/RunawayHeuseRemix
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