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The Best Credit Cards For Beginners 2024 (UK)Our pick of the best first credit cards � Tesco Foundation � Barclaycard Forward Credit Card � Asda Money Select Credit Card � Capital One Classic. Student credit cards � Best first-time credit cards for beginners. We compare the following card issuers. Money. Aqua. Asda. Barclaycard. Capital One. Generally, Mastercard and Visa are both reliable and secure. When choosing a secured card, look for one with low fees, a reasonable credit limit.