Credit Building Credit Cards - Reviews
If you’re in the process of rebuilding your credit history, or, if you’re a newbie looking to take the plunge into credit, a credit card can be a great tool for building up your score quickly. From secured cards to unsecured cards with annual fees – and even a few cards with rewards programs – there is an abundance of options for cardholders with poor, average and limited credit histories.
We’ve rated a selection of entry-level credit cards on their value for building credit – including rewards, APRs, benefits and credit-building features – to help you find the best card to help you quickly ramp up your credit score for the least expense possible.
Petal® Visa® Credit Card
Last reviewed: June 8, 2020
The Petal Visa card 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. This offer is no longer available on our site.
Discover it® Secured
Last reviewed: July 10, 2020
The Discover it Secured card is one of your best bets for building 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.
Capital One® QuicksilverOne® Cash Rewards Credit Card
Last reviewed: July 10, 2020
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.
*All information about the Capital One QuicksilverOne Cash Rewards Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Capital One QuicksilverOne Cash Rewards Credit Card is no longer available through CreditCards.com.
Credit One Bank American Express® Card
Last reviewed: July 10, 2020
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.
Capital One® Platinum Credit Card
Last reviewed: July 10, 2020
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.
*All information about the Capital One Platinum Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Capital One Platinum Credit Card is no longer available through CreditCards.com.
Harley-Davidson Visa Secured Card
Last reviewed: June 24, 2020
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.
USAA Secured American Express Card
Last reviewed: July 13, 2020
If you can afford to invest more than $250 into a security deposit, this military-friendly credit builder card offers a number of appealing perks, including a flexible credit limit, below average APR and consumer-friendly fee schedule. This offer is no longer available on our site.
U.S. Bank Secured Visa Card
Last reviewed: July 13, 2020
This plain vanilla secured card requires an extra large deposit and significant annual fee; but its APR is relatively low for a subprime credit card.
Capital One® Secured Mastercard®
Last reviewed: July 13, 2020
Despite the lack of a rewards program, the Capital One Secured Mastercard’s low security deposit, reasonable fees and shorter pathway to a higher credit line makes it a good option for credit-building consumers.
*All information about the Capital One Secured Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Capital One Secured Mastercard is no longer available through CreditCards.com.
USAA® Secured Visa Platinum® Card
Last reviewed: July 13, 2020
This affordable credit-builder card offers lower rates than many of its competitors and perks that are especially appealing to military families, including no foreign transaction fee and exclusive benefits for active duty service members. This offer is no longer available on our site.
Amazon Credit Builder
Last reviewed: July 13, 2020
The Amazon Credit Builder’s $0 annual fee, low minimum deposit requirement and Prime member rewards make it a decent option for regular Amazon customers looking to build or rebuild their credit, but its restrictions, sky-high APR and low maximum credit limit hold it back.
Credit One Bank® Platinum Rewards Visa
Last reviewed: May 7, 2020
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.