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.

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OpenSky® Secured Visa® Credit Card review

OpenSky® Secured Visa® Credit Card

3.0 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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Avant Credit Card review

Avant Credit Card

2.8 rating

If you need to build credit but don’t want to tie up hundreds of dollars in a security deposit, the Avant Credit Card could be a good fit, offering a chance to improve your score or establish a solid credit foundation at a relatively low cost.

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Credit One Bank® Platinum Visa® review

Credit One Bank® Platinum Visa®

2.7 rating

While this isn’t the best Visa card Credit One has to offer, the Credit One Bank Platinum Visa still offers cardholders a fairly good value. With a decent cash back rewards program and modest annual fee, this card may be the best option for customers with average credit who face more limited options. See rates and fees

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Credit One Bank Wander® Card review

Credit One Bank Wander® Card

2.6 rating

If your primary goal is building credit (not earning rewards), there are plenty of lower-cost options available, even if you don’t want to put down a security deposit.

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Self - Credit Builder Account with Secured Visa® Credit Card review

Self - Credit Builder Account with Secured Visa® Credit Card

2.5 rating

This combination of a loan and secured credit card could prove useful as a one-two credit-building punch, but since you’ll essentially have to pay interest charges on your own money, it’s unlikely to be the most cost-effective credit-building option.

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Credit One Bank® Platinum Visa® for Rebuilding Credit review

Credit One Bank® Platinum Visa® for Rebuilding Credit

2.2 rating

Despite its high cost, the Credit One Bank Platinum Visa for Rebuilding Credit is a decent option if you want to improve your bad to fair credit without sacrificing rewards or tying up money in a security deposit.

All information about the Credit One Bank Platinum Visa for Rebuilding Credit card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

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Destiny Mastercard® - $700 Credit Limit review

Destiny Mastercard® - $700 Credit Limit

2.1 rating

This card could work well if you need time to build up your credit score, but you could find a card with better rates and fees as well as perks.

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Total Visa® Card review

Total Visa® Card

2.0 rating

While the Total Visa doesn’t require a security deposit, cardholders will be buried in additional program fees.

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Reflex® Platinum Mastercard® review

Reflex® Platinum Mastercard®

1.8 rating

Riddled with fees, including an extremely high variable APR, the Reflex Platinum Mastercard is best seen as a last resort and stopgap for credit-builders.

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Milestone Mastercard® - $700 Credit Limit review

Milestone Mastercard® - $700 Credit Limit

1.7 rating

Though it could be useful if you want to build credit without putting down a security deposit, the Milestone Mastercard’s high annual fee, high APR and bare-bones cardholder perks make it hard to recommend for most cardholders.

Editor’s note: Some of the offers on this page may be expired.

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