The best credit cards for beginners are secured credit cards, as they’re easier to get if you have a minimal credit history. Traditional credit cards usually require a good to excellent credit score, while secured credit cards are designed for people looking to build or rebuild their credit. However, keep in mind that you’ll have to pay a refundable security deposit, and the interest rates on secured cards are usually higher. Wells Fargo no longer offers a secured credit card, but there are plenty of secured credit cards from other issuers.