If you’re a teenager in the United States, then let’s get to it. From getting your first credit card to helping you build a credit score, these cards have it all. Zell Direct is one of the Best Credit Cards For Teens In 2022 as it offers no APR during the first 12 months and rewards points across many categories such as gas and groceries.
A card with an introductory APR? Yes! We highly recommend this card for teens whose parents might not be able to offer them much financial help before their 18th birthday, but who would like affordable options when they’re out on their own.
NFCU
The Zell Direct card is issued by National Financial and it’s a cash back card with a 0% APR on purchases and balance transfers, but the best part is that you can earn 1.5 points per dollar spent at office supply stores (including Staples, Office Depot, and Best Buy), 2 points per dollar at restaurants, movie theaters, grocery stores, drugstores and malls (no supermarket chains like Costco) up to $1 million in spending per year before they charge. Earn up to 5% cash back on all other purchases.
This card is a great choice for teens who are still in school and don’t need many perks as rewards like airline miles, hotel points or cash back. For those who want rewards, the Zell Direct card is an excellent option, but if you want to get a travel credit card it’s best to wait until after high school.
You will earn 2% cash back on all purchases for the first 12 months and then you will start earning 1.5% on all purchases under $1 million ($6 million per year). After the introductory period, there is no APR on purchases. Balance transfers are for 15 months and then there is a 12-month interest rate of 23.99% (this is the APR after balance transfers).
Zell Cash Rewards Mastercard from Synchrony Bank
This card offers 1.5% cash back on all purchases worldwide that earn rewards, but you can also earn a $50 cash bonus when you make your first purchase ($1,000 in spending within three months of account opening). There’s no foreign transaction fee and a 0% introductory period on purchases and balance transfers (15 months), followed by an interest rate of 20.99% (after this period). You can click here to see a full list of the pros and cons.
The Zell is a clear winner when it comes to the best credit cards for teens in 2022, as it offers rewards, cash back, and an introductory APR. These are just some of the reasons why we recommend these cards for teens who would like an excellent credit card that doesn’t require a high credit score to get approved.
