Credit Building Credit Cards - Reviews
Credit building credit cards are an ideal starting point if you’re looking to build or improve your credit score and expand your purchasing power down the road. The best credit cards to build credit regularly report on-time payments to the credit bureaus and offer value-adding incentives like cash back rewards, welcome offers and low APRs on purchases.
To make the most of your credit building card, look for one that fits your spending habits and payment management needs. Cash back credit-builder cards can help you save money by paying you back on the things you buy the most. Low interest cards with flex-pay and balance transfer options help you pay off debt and save on interest. Managed correctly, any of these credit building credit cards will help boost your credit score.
Our CreditCards.com experts reviewed hundreds of credit building card offers based on several factors. Annual fees, deposit and credit score requirements, interest rates, cash back rewards, flexible payment options, late payment forgiveness and credit reporting features are the criteria we used. In the reviews below, you can compare the best credit builder credit cards for 2021 and find expert recommendations based on your specific needs.
Chime Credit Builder Secured Visa® Credit Card
Last reviewed: June 25, 2025
This card offers a simple, low-cost way to build credit, but it’s missing benefits like a rewards program and the opportunity to upgrade to an unsecured card.
Capital One Platinum Secured Credit Card
Last reviewed: June 10, 2025
The Capital One Platinum Secured Credit Card makes credit building a breeze with a low stakes collateral investment that allows cardholders to build credit with minimal commitment.
SuperCash™ Card
Last reviewed: April 7, 2025
This card stands out for its top-notch cash back and high credit limit, but it carries a few limitations that may make a traditional credit card more appealing for credit-builders.
Discover it® Secured Credit Card
Last reviewed: June 2, 2025
The Discover it® Secured Credit Card is one of your best bets if you’re looking for a card to help you build credit – it doesn’t charge an annual fee, plus Discover will match all of the cash back you earn at the end of your first year thanks to the card’s Cashback Match™ program.
Terms and conditions apply.
Capital One Platinum Credit Card
Last reviewed: June 10, 2025
If you want to build credit without a secured credit card, the Capital One Platinum credit card is worth a look for its valuable perks and features that make building credit easy with responsible use.
Navy Federal Credit Union® nRewards® Secured Credit Card
Last reviewed: April 7, 2025
The Navy Federal nRewards Secured Card rolls up savory features like low fees, unlimited flat-rate rewards and credit line upgrade reviews into one secured card for NFCU accountholders.
Petal® 1 "No Annual Fee" Visa® Credit Card
Last reviewed: June 2, 2025
Though it offers lackluster rewards, the Petal 1 “No Annual Fee” Visa Credit Card is a solid option for credit-builders looking to minimize costs and get a chance at a higher-than-average credit limit.
Capital One QuicksilverOne Cash Rewards Credit Card
Last reviewed: June 10, 2025
The Capital One QuicksilverOne card is one of our top choices for consumers trying to bolster their credit scores, thanks to a generous rewards program that offers 1.5% cash back on every purchase and easily makes up for the card’s annual fee.
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Last reviewed: April 7, 2025
The Petal 2 offers a low entry barrier and the opportunity to earn cash back and avoid fees while building your credit, but you could face a high APR.