The Only Credit Cards You Need in Your 20s

I had a credit card closed at 18 and my score dropped to 570. Today I have a 726 credit score and a $9,000 credit limit on my Navy Federal card. In this video I break down the only 3 credit cards you actually need — organized by exactly where you are in your credit journey right now. Whether you're starting from zero, rebuilding bad credit, or ready to start earning real cash back rewards — this video covers the exact cards I used and the ones I'd recommend today. 📌 Cards covered in this video: Discover It Student Card Capital One Secured Card Citi Double Cash Capital One Savor Navy Federal Cash Rewards Bank of America Custom Cash Chase Freedom Unlimited ⏱ Timestamps: 0:00 - Intro 0:31 - Why Credit Matters 1:04 - 3 Credit Card Categories 1:38 - My Credit Journey 3:24 - Category 1: Starter Cards 5:34 - Category 2: Cash Back Cards 8:51 - Category 3: Wildcard Cards 11:00 - The 4 Rules 13:37 - Your Action Plan (DO NOT SKIP)