What do I recommend as the best beginner credit card? My first card was the Discover It Student Cash Back Card, while its an amazing card, my biggest complaint today is the fact that I cant do anything with the Cash Back that I have. Which is why I would recommend you start off with the Chase Freedome Flex Card, pretty much identical to the Student It, BUT here you are building chase points which later in the future can be much more useful. Check the comments for my Referral Link if you want to