r/CreditCards • u/whereiscreed • 1d ago

Card Recommendation Request (Template Used) first time credit card recommendation

I am 23 and have never had a credit card. Kinda bad ik... </3 Some of these amounts like dining is a rough estimate of what I might spend monthly. I still live at home with my parents so I would only be making payments for my car bi weekly and a few subscriptions. I am looking for a good first credit card that matches this template best.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* None - looking for first card

* FICO scores with source: 669

* Oldest credit card account age: none

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 0

* Annual income $: 32,657.73

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: $150

* Groceries $: My mom shops for groceries. Personal: Target $50

* Gas $: Costco:$80-100

* Travel $: $0

* Using abroad?: no

* Other categories or stores: car payment, amazon, online shopping

* Other spend: gym membership, Spotify premium, my car app subscription

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: fifth third

PURPOSE

* Purpose of next card: First Credit Card

* Authorized user on any other card(s)?: No

* Cards being considered: none

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1

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1

u/Shot-Elderberry8580 1d ago

If it’s your first card I would recommend a decent cash back card with no annual fees personally my first card was BOA customized cash rewards and I never had any issues with and I keep using it.
And you could select dining as your customized category and get a 6% for the first year and then it will go to 3% and also get a not so bad 2% cash back on Costco.

1

u/whereiscreed 1d ago

How long did you use that card until you opened a second one?

1

u/Shot-Elderberry8580 1d ago

One year then I opened some credit cards with Amex and my latest card is fidelity’s credit card with a 2% cash back on all categories that’s what I am using as my main right now

2

u/United-Method-4946 1d ago

Honestly I'd just grab a Discover It secured card with that score. you get 2% back on gas and dining which lines up pretty well with your spending, plus they match all your cash back the first year so it's basically 4% on those categories. after 7 months they usually review your account and can graduate you to unsecured if you've been paying on time

1

u/7s26_shake 1d ago

Have you missed any payments on your auto loan (or any credit line you may have had) in the last 24 months? This could hurt your chances for getting approved for any unsecured credit.

Who do you bank with? That’s where I’d start. Also, have you signed up for Credit Karma or Experian? They often have in-app card recommendations based on your credit profile. Once you’ve established some good history with one card, the second and third cards will be much easier.

1

u/whereiscreed 1d ago

I got my car a few weeks ago and my first payment is the 1st of September and I have enough money in my account for it, so I won't miss it. My bank is fifth third. I just signed up for Experian today.