Best First Credit Cards Recommendations

Discover It Secured Card
- Recommended as a good starting card for those with no credit history.
- "Are you a student? Look at the discover it student or capital one savor one student."
Chase Freedom Rise
- Offers 1.5% cashback on all purchases.
- "If you're interested in the Chase ecosystem, the Freedom Rise might suit you well."
Capital One Savor One Student Cash Rewards
- Good for students and offers cash back rewards.
- "Capital one Savor one and a PayPal MC Is a great starter combo."
Chase Freedom Unlimited
- Offers 1.5% cashback on all categories.
- "Personally, I’d start with the Chase Freedom Unlimited or Capital One Savor One."
Amex Blue Cash Everyday
- Suggested for monthly spend by category.
Citi Double Cash Card
- Offers 2% cash back on all purchases.
TD FCT Visa Infinite Card
- Offers a 135k points sign-up bonus.
Scotia Amex Gold
- Currently offering promotional cashback through GCR.
Merrick Bank
- Recommended for those seeking a first credit card.
TD Platinum Travel Visa
- Offers $60 cashback from GCR.
CIBC Dividend Visa Infinite
- Offers a 10% cashback bonus.
RBC Westjet World Elite MC
- Offers 700 Westjet dollars as a bonus.

Tips for Building Credit with First Credit Card

Start with a secured credit card to establish credit.
Use your credit card responsibly and only spend what you can pay off.
Set up autopay for minimum payments and pay in full every month to avoid interest.
Keep your balance under 30% of your credit limit to maintain good credit utilization.
Regularly monitor your credit score with tools like Credit Karma, Experian app, and MyFico app.

Be cautious of potential fraud in billing discrepancies like undisclosed gratuities or incorrect charges.
Ensure clarity on charges and fees on bills to avoid unknowingly paying extra.
Watch out for deceptive pricing practices that may inflate the final bill amount.

Remember to always be vigilant with your credit card usage and monitor your bills closely to avoid any fraudulent or incorrect charges.