Credit Building card reviews

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.

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Discover it Secured review

Discover it Secured

4.1 rating

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.

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QuicksilverOne from Capital One review

QuicksilverOne from Capital One

4.1 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.

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Capital One Platinum Credit Card review

Capital One Platinum Credit Card

3.6 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.

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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.

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Wells Fargo Secured Credit Card review

Wells Fargo Secured Credit Card

3.5 rating

The Wells Fargo Secured Credit Card offers an unusually large credit line to cardholders who can afford to pay a steep deposit and a lower APR than some competitors; however, you need at least $300 just to open it.

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USAA Secured American Express Card review

USAA Secured American Express Card

3.4 rating

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. 

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U.S. Bank Secured Visa Card review

U.S. Bank Secured Visa Card

3.4 rating

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.

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Capital One Secured Mastercard review

Capital One Secured Mastercard

3.4 rating

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.

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USAA® Secured Visa Platinum® Card review

USAA® Secured Visa Platinum® Card

3.4 rating

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. 

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Citi Secured Mastercard review

Citi Secured Mastercard

3 rating

A good starter card for those who are new to credit, the Citi Secured Mastercard allows cardholders to jumpstart their credit history without committing to a high annual fee.

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OpenSky Secured Visa Credit Card review

OpenSky Secured Visa Credit Card

2.5 rating

With a relatively low APR and annual fee, the OpenSky Secured Visa credit card is a great card for those with bad to fair credit. You won’t earn any rewards, but you’ll keep additional charges to a minimum, and you can qualify for the card without a credit check.

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Credit One Bank Visa Credit Card review

Credit One Bank Visa Credit Card

2.1 rating

The Credit One Bank Visa Credit Card is a great option for improving bad to fair credit without sacrificing rewards, especially for those who qualify for a lower annual fee.

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