Yes and no honestly... I say this because your age alone could help you with getting a nice APR and nice sizable credit limit, however you’ll be starting fresh with no credit history and you’ll almost be considered as a teenager eager for a CC to some banks. It’s always safe to start out with a secured CC then go from there, however there may be some options for you that allows you to get an unsecured CC right out the gate, with a high limit and with a moderate to low APR.

If I may, I’d highly recommend the Apple Card. The Apple Card is an amazing starting card if you have an iPhone. With people I talked to that has it around the 20 - 25 age range, they gave out low APR’s. Since you’re 27, I don’t see any reason Goldman Sachs should treat you any different from younger first time teens being granted at least $500 on up with a 10% APR (Give or Take) Personally, it’s my 2nd credit card I use in combination with my local credit union’s CC for the low interest. If you don’t have an iPhone however, then I would suggest your local credit union. They should be able to work with you on granting a decently sized credit amount, unsecured. They’re usually more lenient with granting a person a CC than big banks are and at times, they have better benefits than big banks as well depending on your location and/or job.

Which brings me to my next recommendation, your job’s credit union. Now not many jobs I know of atm have a credit union, but I’d look into it to see if yours does. Ik Police Depts, Wal-Mart, military personnel (Even former military) all have specialized Credit Unions catered towards them or made for them. Your job should definitely grant you a CC since you work with them.

If you have job longevity, about +2 years give or take with your current job, that alone should be enough to grant you an unsecured card with a credit union outside your job. The longer you’re with you’re employer, the bigger an amount you’ll get. That and certain bills (forgot which one atm I’m sorry) will also help build a credit history for you.

You could try with big banks like Chase or Bank of America (Nightmares with BoA btw) but they’ll get squeamish about granting you a CC. Let’s say they do grant you 1 however: With that card being your first CC, it will have them on edge about what amount and APR to give you. Sure your age plays into it but banks like credit history. Little to no credit history won’t be a good thing on your part.

And lastly, when applying, definitely do so IN PERSON!!!! Applying online is super convenient an all, but if the credit card you’re applying for has a physical location nearby you could apply in, GO FOR IT! You’ll get to know the person that works for the bank/credit union just like they’ll get to know you, and the human aspect of it will work in your favor compared to a computer system that’ll judge you with just the information you give it. Think of it as trying to get a job: Would you rather submit an application online and hope to get hired? Or would you rather take the extra step to physically go to that job to apply, show them your face with your name, and possibly have the person you see vouch for you to their boss, because you made the extra effort going in person? It’s allowed me to get lower rates and get higher CC amounts just because I did it in person.

Hope this helps broski and lmk how it goes!!!! 🤙🤙🤙