Discover It

Best First Credit Card Overall

Discover It

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The Discover It card makes for an excellent first credit card for several reasons. First, it is a simple card with no annual fee, foreign transaction fee, or penalty interest rate. Discover will even waive your first late payment fee automatically. Also, Discover has a reputation for great customer service, having won the JD Power US credit card customer satisfaction survey for three of the last four years. All Discover cards also come with a full array of cardholder benefits including rental car insurance, purchase protection, price protection, and a return guarantee.

The Discover It card is also available to applicants with a wide range of credit profiles, and Discover will often offer you the secured card version if you are not approved for the standard, unsecured card. Finally, the Discover card offers cash back rewards. This is nice to have, but it shouldn’t be a factor when choosing your first credit card.

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