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.
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.
Jasper Cash Back Mastercard®
Last reviewed: June 16, 2025
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.
*All information about the Jasper Cash Back Mastercard and Citi Double Cash® Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Jasper Cash Back Mastercard is no longer available through CreditCards.com.
Credit One Bank® Platinum X5 Visa Signature®
Last reviewed: April 7, 2025
The Credit One Bank Platinum X5 Visa Signature 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.
Capital One Quicksilver Secured Cash Rewards Credit Card
Last reviewed: June 10, 2025
Boasting one of the best rewards rates available on a secured card, the Quicksilver Secured is a terrific starting point for credit-builders who don’t mind tying up money in a deposit. Unfortunately, though, its initial credit limit is a bit low.
Zolve Azpire Credit Builder Card + Checking Account
Last reviewed: February 19, 2025
The Zolve Azpire creates a new level of credit accessibility in using your own money to help you build credit.
Bank of America® Customized Cash Rewards Card for Students
Last reviewed: May 28, 2025
The Bank of America Customized Cash Rewards credit card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.
Mission Lane Visa® Credit Card
Last reviewed: April 16, 2025
The Mission Lane Visa card carries a lower cost than most unsecured cards for people with bad credit, so it could make sense if you want to build credit but can’t afford to tie up hundreds in a security deposit.
Amazon Prime Secured Card
Last reviewed: June 2, 2025
The Amazon Prime Secured card’s $0 annual fee, low minimum deposit requirement and Prime member rewards make it a decent option for regular Amazon customers who are looking to build or rebuild their credit and don’t mind the inflexibility of a store card.
Wells Fargo Business Secured Credit Card
Last reviewed: June 2, 2025
The Wells Fargo Business Secured Credit Card lets you earn rewards while you build business credit. Best of all, there’s no annual fee.
Credit One Bank American Express® Card
Last reviewed: June 2, 2025
Despite its low cash back earning rate, the Credit One Bank American Express Card is a solid option for people who need to build their credit and won’t carry a balance, with relatively low annual fees and impressive cardholder perks.