Credit Building card reviews

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.

Learn more about our ratings process

Petal® 2

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

4.2 rating

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.

Read full review


Discover it® Secured Credit Card review

Discover it® Secured Credit Card

4.1 rating

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 you can make a profit in the first year thanks to the card’s cash back program.

Read full review


Navy Federal Credit Union® nRewards® Secured Credit Card review

Navy Federal Credit Union® nRewards® Secured Credit Card

4.0 rating

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.

Read full review


Capital One Platinum Credit Card review

Capital One Platinum Credit Card

4.0 rating

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.

Read full review


Jasper Cash Back Mastercard® review

Jasper Cash Back Mastercard®

3.8 rating

The Jasper Cash Back Mastercard charges no annual fee* and offers a chance at a high credit limit and decent baseline rewards. However, it doesn’t carry many distinguishing features that set it apart from other cards for people with fair credit.

Read full review


Credit One Bank® Platinum Rewards Visa review

Credit One Bank® Platinum Rewards Visa

3.7 rating

The Credit One Bank Platinum Rewards Visa is a practical credit building card with a better-than-most rewards program that offers several ways to earn cash back rewards and plenty of discounts. The high APR might give some pause, but if the balance is paid off in full each month, interest fees shouldn’t be a problem. See rates and fees

Read full review


Secured Mastercard® from Capital One review

Secured Mastercard® from Capital One

3.7 rating

Despite the lack of a rewards program, the Secured Mastercard from Capital One stands out for its low security deposit, reasonable fees and shorter pathway to a higher credit line, making it a good option for users looking to build credit with responsible use.

Read full review


Harley-Davidson Visa Secured Card review

Harley-Davidson Visa Secured Card

3.6 rating

Chopper enthusiasts stand to benefit the most from the Harley Davidson Secured Visa credit card, which rewards cardholders with one point per dollar and the chance to win a motorcycle with every purchase.

View similar secured cards

Read full review


Capital One QuicksilverOne Cash Rewards Credit Card review

Capital One QuicksilverOne Cash Rewards Credit Card

3.5 rating

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-percent cash back on every purchase and easily makes up for the card’s annual fee.

Read full review


Credit One Bank American Express® Card review

Credit One Bank American Express® Card

3.3 rating

Despite its low cash back earning rate, the Credit One Bank American Express Card is a solid low-cost credit building option with relatively low fees and impressive cardholder perks. See rates and fees

Read full review


Credit One Bank® Platinum Rewards Visa with No Annual Fee review

Credit One Bank® Platinum Rewards Visa with No Annual Fee

3.2 rating

Despite its higher-than-average APR, the Credit One Bank Platinum Rewards Visa with No Annual Fee is a solid starter card for people with fairly good credit scores. See rates and fees

Read full review


Petal® 1

Petal® 1 "No Annual Fee" Visa® Credit Card

3.1 rating

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.

Read full review


Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.