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Best First Credit Cards To Build Credit In January 2023

If you’re looking to build your credit, starting off with a strong credit score is essential. Fortunately, there are many different cards out there that can help you accomplish this goal. We’ve compiled a list of some of the best first credit card for building up your score in January 2023:

Capital One Secured Mastercard

Capital One Secured Mastercard – This is a sound starter card for people with bad credit, as it has no annual fee and a low credit limit of $200. It also offers a zero liability policy, which means you won’t have to pay for fraudulent charges. The added security of using this card is that your privacy is protected–the company will not share your personal information with any other party or business unless required by law.

The online dashboard gives you access to all your spending information in one place, allowing you to track how much money you’re spending each month on different categories (like groceries or gas) so that you can make sure everything stays within budgeted amounts each month.

Petal 2 Visa Credit Card

Petal2 Visa Credit Card is a great first credit card with a low annual fee of $25, no rewards program, and can be used to build your credit score. The Petal 2 is an excellent starter card for those with bad or no credit history who want to begin building their financial history.

Discover it Secured

The Discover it Secured is a sound-first credit card. The APR on this card is low, and there’s no annual fee to pay. You’ll also earn rewards for making on-time payments and spending at least the minimum amount due each month.

The best way to use this card is if you have a bad or no credit history because you won’t need any help building your score when applying for other cards later on down the road (assuming that’s what you want).

Credit One Bank Platinum Visa with Cash Back Rewards

This card has a low minimum credit score of 500, which means you don’t have to have perfect scores to qualify. It can be used anywhere Visa is accepted and has no annual fee.

This card earns 1% cash back on all purchases, which can add up quickly if you use it often enough. The maximum reward amount is $200 per year, but spending sufficiently at restaurants or gas stations will take a short time before reaching that threshold!

Wells Fargo Secured Visa® Credit Card

The Wells Fargo Secured Visa® Credit Card is a significant first step for those who are just starting. It has no annual fee, and you can earn cash back when you use your card at specific merchants.

It also offers 0% intro APR on purchases for 12 months, so if you’re looking to build credit in January 2023, this might be the best option!

These cards are the best at building credit.

The best way to build good credit is by using a credit card that gives you cash back, points, or both. These cards are the most effective at helping you improve your score because they offer bonuses when you meet certain spending thresholds (or pay off your balance in full each month).

The next step is checking your credit report for free at Credit Karma. You can also get a free copy of yours if it’s not available online–all three major bureaus must have access to personal information to ensure everything runs smoothly in reporting on someone’s record.


The first thing you should know about building your credit score is that it takes time. You will have to make small changes over time—even if they seem insignificant—to add up and help you build a healthy credit history. Although getting a new card as soon as possible may be tempting, it can be dangerous because banks and other financial institutions may not approve applicants with less-than-perfect scores.

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