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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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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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 Mastercard® Credit Card  review

Reflex Mastercard® Credit Card

1.8 rating

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

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Indigo® Mastercard® review

Indigo® Mastercard®

1.7 rating

The Indigo Mastercard is a pretty basic credit building card, offering a standard APR and credit limit with no rewards program. Unless you qualify for a lower annual fee, it’s probably not worth what it costs to own.

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Milestone® Mastercard® review

Milestone® Mastercard®

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.

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Surge Mastercard® Credit Card review

Surge Mastercard® Credit Card

1.5 rating

The Surge Mastercard could get you a high credit limit and a chance at a credit limit increase in as little as six months, but the card’s inflated fees and APR make it a poor choice for most credit-builders.

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First Access Visa® Credit Card review

First Access Visa® Credit Card

1.5 rating

Due to its gargantuan fees and APR, the First Access Visa Credit Card is tough to recommend – even for cardholders with severely damaged credit.

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