The Best Credit Building Credit Cards

If you’re looking to build or improve your credit score, choosing the right credit card is a crucial step.

Some credit cards are specifically designed to help you build credit, offering features that make the process easier and more effective.

The Discover it® Secured Credit Card is a top choice for those looking to build or rebuild their credit. It offers:

Cashback rewards: You can earn 2% cash back on gas stations and restaurants (up to $1,000 spent each quarter) and 1% on all other purchases.
No annual fee: It’s a low-cost option for building credit.
Credit limit increase: After making your first five monthly payments on time, you may be considered for a higher credit limit.

The Capital One Platinum Secured Credit Card is a great option for those just starting to build credit. Features include:

Low deposit requirements: You can open an account with a deposit as low as $49, depending on your creditworthiness.
Automatic credit line reviews: After six months, Capital One will automatically review your account for a higher credit limit.
No annual fee: This card doesn’t have an annual fee, which helps save money while you build your credit.

Citi® Secured Mastercard® is another solid option for individuals looking to establish or rebuild their credit. Here’s what you get:

No annual fee: A cost-effective way to build credit without paying extra fees.
Credit reporting: Citi reports your payments to the three major credit bureaus, helping you build your credit history.
Flexible credit limits: Your deposit determines your credit limit, but it’s one of the more accessible cards for those new to credit.

The OpenSky® Secured Visa® Credit Card is ideal for those who may have trouble getting approved for other secured cards. Highlights include:

No credit check to apply: This card doesn’t require a credit check, making it a good option for individuals with no or bad credit.
Report to major credit bureaus: OpenSky reports your payment history to all three major credit bureaus, helping you build credit with responsible use.
Low fees: There’s no annual fee, and the card is affordable for people looking to establish or improve their credit.

For those with limited or no credit history, the Petal® 2 card is a fantastic option. Features include:

No annual fee: This card doesn’t charge an annual fee, keeping costs down as you work to build your credit.
Cashback rewards: You earn 1% cash back on purchases right away, which increases to 1.5% after 12 on-time payments.
No security deposit required: Petal® 2 doesn’t require a security deposit, making it easier for newcomers to access credit.

The Self Visa® Credit Card is linked to the Self Credit Builder Account, which is a unique way to build credit. Features include:

Build credit with savings: You can apply for this card after paying into your Self Credit Builder Account for three months.
Low fees: The card doesn’t charge an annual fee and offers affordable options for individuals looking to improve their credit score.
Reports to all three credit bureaus: Payments are reported to the credit bureaus to help you build credit.

Chime® Credit Builder is a unique card designed for users with no credit history or poor credit. Key benefits include:

No fees: There’s no annual fee, late fee, or interest charges with this card.
Helps build credit: Chime reports to all three major credit bureaus, helping users improve their credit score over time.
No credit check: You don’t need a credit check to apply for this card.

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