SwishFunding’s Recommended Cards for Building Credit | CreditCards.com

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card

Our rating:3.5

See Rates & Fees

Add to compare

Rewards rate

5%: Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
1.5%: Earn unlimited 1.5% cash back on every purchase, every day

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 28.99% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.5

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 1.5
APR: 2.0
Features: 5.0

Highlights

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get at least a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Top rated mobile app

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 28.99% (Variable)
Intro Balance Transfers APR: N/A

Destiny® Mastercard® with Instant Credit

Destiny® Mastercard® with Instant Credit

Our rating:2.1

Add to compare

Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: See Terms

Balance transfer intro APR: See Terms

Regular APR: See Terms

Recommended credit: (See Terms) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.1

Rating methodology

Cost of Membership:: 1.0
Ease of Building Credit:: 4.0
APR:: 1.0
Features:: 1.3

Highlights

A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Apply Today, Buy Today! If approved, get your Card Number instantly so you can start shopping today! See Terms.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
No security deposit, just instant purchasing power. See Terms.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.

Rates & Fees

Annual Fee: See Terms
Intro Purchase APR: See Terms
Regular APR: See Terms
Intro Balance Transfers APR: See Terms

opensky® Secured Visa® Credit Card

opensky® Secured Visa® Credit Card

Our rating:3.0

Add to compare

Rewards rate

Up to 10%: Earn up to 10% cash back on everyday purchases

Annual fee: $35

Balance transfer intro APR: N/A

Regular APR: 23.89% (variable)

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.0

Rating methodology

Cost of Membership: 2.5
Ease of Building Credit: 2.9
APR: 4.5
Features: 0.0

Highlights

Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!

Rates & Fees

Annual Fee: $35
Intro Purchase APR: N/A
Regular APR: 23.89% (variable)
Intro Balance Transfers APR: N/A

Editor's Pick

Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

Our rating:4.2

See Rates & Fees

Add to compare

Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 28.99% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 2.5
APR: 2.0
Features: 3.8

Highlights

No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Top rated mobile app

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 28.99% (Variable)
Intro Balance Transfers APR: N/A

First Progress Prestige Secured Mastercard®

First Progress Prestige Secured Mastercard®

Add to compare

Rewards rate

Up To 10%: Up To 10% Cash Back on Purchases + 1% on Payments^^

Annual fee: $49

Balance transfer intro APR: N/A

Regular APR: 13.49% (V)

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
Apply with no impact to your credit!*
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
All credit types welcome to apply!
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
*See Important Disclosures for complete offer details

Rates & Fees

Annual Fee: $49
Intro Purchase APR: N/A
Regular APR: 13.49% (V)
Intro Balance Transfers APR: N/A