Best first credit cards

An ASU management expert shares how first-time cardholders can build credit wisely and avoid costly mistakes.

In this article published Sept. 3, 2026, on WalletHub:

Make small purchases early on so you can build credit gradually and treat the card as a tool, not extra spending money. Pay the full balance every month if you can, since that habit alone will save a lot of stress and interest down the road.

— Todd Altomare, management and entrepreneurship instructor