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The average American picks up their first credit card by the age of 20.Indeed, as an initial step to establishing your consumer credit report, obtaining your first credit card is often considered a financial right of passage by many young Americans.

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And the card issuers are happy to help, offering a variety of options for the credit novice, including everything from cards with no annual fee and student-centric perks to cash back rewards and credit-friendly secured cards.

Use the links below to skip ahead to the card type of your choosing, or read along to learn the benefits of each.


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