Las mejores tarjetas de crédito con reembolso para principiantes: sencillas, seguras y gratificantes

Starting your journey with credit cards can feel overwhelming. Annual fees, APRs, credit scores — there’s a lot to digest. But here’s the good news: you don’t need to be an expert to earn cashback.

If you’re just beginning to build your credit history — or looking for a card that’s easy to use, safe, and gives something back — this guide is for you.

We’ve rounded up the best beginner-friendly cashback credit cards in the U.S.. These cards are known for:

• Easy application and approval process
• Sin cuotas anuales
• Cashback on everyday purchases
• Helpful tools to track your credit

Ready to start earning while spending smart? Let’s break it down.

🟢 Why Cashback Cards Are Great for Beginners

Cashback credit cards are the perfect first step into the world of rewards. Unlike travel or points-based cards, cashback gives you real money back from your purchases — usually credited directly to your account.

For beginners, this means:

• Immediate value — no complicated redemptions
• Simple rewards structure — you know exactly what you’re earning
• No pressure to spend on specific categories (unless you want to)

Even better? Most beginner cards come with sin cuota anual y tools to help you learn how to manage credit.

🔑 What Makes a Card Beginner-Friendly?

Here’s what to look for when choosing your first cashback card:

🏆 Top 3 Beginner Cashback Cards

Here are three of the most trusted options for first-time cardholders, all offering cashback without the stress.

🔹 1. Discover it® Student Cash Back

Ideal para: Students and first-time cardholders with limited history

This card is specifically made for beginners. It comes with rotating 5% cashback categories and sin cuota anual. You’ll earn 5% back on things like groceries, gas, or Amazon (up to $1,500/quarter), and 1% on everything else.

Beneficios clave:

• No se requiere historial crediticio
• First-year Cashback Match™ — Discover matches all the cashback you’ve earned
• Free access to your FICO® Score
• 0% intro APR for 6 months

🔗 Apply at discover.com/student-cashback

🔹 2. Capital One QuicksilverOne®

Ideal para: Beginners with fair credit (score 580–669)

This card gives a flat 1.5% cashback on all purchases, which is perfect for simplicity. While it does have a Cuota anual $39, it often accepts applicants with shorter or limited credit histories.

Beneficios clave:

• Unlimited 1.5% cashback
• Monthly credit score tracking
• Opportunity for higher credit limit after 6 on-time payments
• Access to Capital One mobile app and virtual assistant

🔗 Apply at capitalone.com/credit-cards

🔹 3. Petal® 1 “No Annual Fee” Visa® Credit Card

Ideal para: Those with no credit history at all

Petal uses cash flow-based underwriting, meaning it may approve applicants without traditional credit scores by analyzing income and spending habits. Cashback starts at 2% and grows to 10% at selected partners.

Beneficios clave:

• No annual, late, or foreign transaction fees
• Informes a las 3 agencias de crédito
• Cashback with select retailers
• Pre-approval with no credit impact

🔗 Apply at petalcard.com

📈 How Cashback Works in Practice

Let’s say you spend about $1,000 per month on your card. With a 1.5% cashback rate, you’d earn:

• $15 per month
• $180 per year
• Plus potential bonuses, like first-year cashback match or partner deals

For someone just starting out, that’s real value — and a smart way to manage spending.

🧠 Tips for First-Time Cardholders

1. Pay in full each month
   Carrying a balance means paying interest, which cancels out your cashback.
2. Use your card for regular expenses only
   Don’t treat it as “extra money.” Use it for things you already planned to buy.
3. Set up automatic payments
   Avoid late fees and build a good payment history from the start.
4. Keep utilization low
   Try not to use more than 30% of your credit limit at any time.
5. Monitor your credit score monthly
   Most beginner cards offer this feature for free — use it!

⚠️ What to Avoid as a Beginner

• Cards that offer high rewards but charge annual fees you won’t offset
• Sign-up bonuses that require high spending thresholds
• Cards that promise easy approval but charge hidden fees
• Missing payments — even once — can damage your score early on

Recordar: your first credit card isn’t just a tool for rewards — it’s a tool to build financial freedom.

✅ Conclusion: Cashback That Builds More Than Just Savings

Choosing a beginner-friendly cashback card isn’t about chasing the highest earnings — it’s about starting smart. You want a card that’s easy to understand, easy to manage, and that helps you grow your credit confidence.

Whether you’re a student, a first-time user, or someone recovering from past financial mistakes, the cards above offer a solid, simple, and safe way to enter the world of credit — and get rewarded while doing it.

Escrito por Arturo Updated on mayo 14, 2025