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® Platinum X5 Visa® review

Credit One Bank® Platinum X5 Visa®

3.7 rating

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.

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Bank of America® Customized Cash Rewards Card for Students review

Bank of America® Customized Cash Rewards Card for Students

3.5 rating

The Bank of America Customized Cash Rewards credit card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.

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Zolve Azpire Credit Builder Card + Checking Account review

Zolve Azpire Credit Builder Card + Checking Account

3.5 rating

The Zolve Azpire creates a new level of credit accessibility in using your own money to help you build credit.

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Capital One Quicksilver Secured Cash Rewards Credit Card review

Capital One Quicksilver Secured Cash Rewards Credit Card

3.5 rating

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.

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Mission Lane Visa® Credit Card review

Mission Lane Visa® Credit Card

3.4 rating

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.

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Amazon Prime Secured Card review

Amazon Prime Secured Card

3.3 rating

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.

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Wells Fargo Business Secured Credit Card review

Wells Fargo Business Secured Credit Card

3.3 rating

The Wells Fargo Business Secured Credit Card lets you earn rewards while you build business credit. Best of all, there’s no annual fee.

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Credit One Bank American Express® Card review

Credit One Bank American Express® Card

3.3 rating

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

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Credit One Bank® Platinum Rewards Visa® with No Annual Fee review

Credit One Bank® Platinum Rewards Visa® with No Annual Fee

3.2 rating

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.

 

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Citi® Secured Mastercard® review

Citi® Secured Mastercard®

3.1 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.

All information about the Citi Secured Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.

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