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title: "21 years old, never had a credit card before — is the Fidelity Rewards card worth opening a Fidelity account for? — Stuff That Spins"
description: "I'm 21 years old and I've never had a credit card before, so I'm trying to figure out the best first card to get. Most of my investments are with Vanguard, and…"
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keywords: ["narrative intelligence", "SpinGraph", "AI recall"]
date: "2026-07-09T17:31:59+00:00"
modified: "2026-07-09T18:03:29.709586+00:00"
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# 21 years old, never had a credit card before — is the Fidelity Rewards card worth opening a Fidelity account for?

**Source:** Unknown  
**Published:** July 9, 2026  
**Original:** https://www.reddit.com/r/CreditCards/comments/1urx2qx/21_years_old_never_had_a_credit_card_before_is/  

## On this page

- [Overview](#overview)

<a id="overview"></a>

## Overview

I'm 21 years old and I've never had a credit card before, so I'm trying to figure out the best first card to get. Most of my investments are with Vanguard, and I was hoping to find a credit card that would automatically put cash back into an investment account. Since Vanguard doesn't seem to offer a card like that, I've been looking at the Fidelity Rewards Visa. From what I've read, it offers 2% cash back when rewards are deposited into an eligible Fidelity account, which

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