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.
Credit One Bank® Platinum X5 Visa®
Last reviewed: July 3, 2023
The Credit One Bank Platinum X5 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
Zolve Azpire Credit Builder Card + Checking Account
Last reviewed: May 31, 2023
The Zolve Azpire creates a new level of credit accessibility in using your own money to help you build credit.
Capital One Quicksilver Secured Cash Rewards Credit Card
Last reviewed: September 12, 2023
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.
Mission Lane Visa® Credit Card
Last reviewed: May 12, 2023
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.
Credit One Bank American Express® Card
Last reviewed: July 3, 2023
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. See rates and fees
Wells Fargo Business Secured Credit Card
Last reviewed: July 23, 2023
The Wells Fargo Business Secured Credit Card lets you earn rewards while you build business credit. Best of all, there’s no annual fee.
Amazon Prime Secured Card
Last reviewed: July 24, 2023
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.
Bank of America® Customized Cash Rewards Card for Students
Last reviewed: August 4, 2023
The Bank of America Customized Cash Rewards Card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.
Credit One Bank® Platinum Rewards Visa® with No Annual Fee
Last reviewed: July 3, 2023
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.
Citi® Secured Mastercard®
Last reviewed: August 4, 2023
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.
All information about the Citi Secured Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.