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.
Capital One Platinum Secured Credit Card
Last reviewed: December 10, 2024
The Capital One Platinum Secured Credit Card makes credit building a breeze with a low stakes collateral investment that allows cardholders to build credit with minimal commitment.
Chime Credit Builder Secured Visa® Credit Card
Last reviewed: November 15, 2024
This card offers a simple, low-cost way to build credit, but it’s missing benefits like a rewards program and the opportunity to upgrade to an unsecured card.
Discover it® Secured Credit Card
Last reviewed: December 12, 2024
The Discover it® Secured Credit Card is one of your best bets if you’re looking for a card to help you build credit – it doesn’t charge an annual fee, plus Discover will match all of the cash back you earn at the end of your first year thanks to the card’s Cashback Match™ program.
Terms and conditions apply.
SuperCash™ Card
Last reviewed: July 19, 2024
This card stands out for its top-notch cash back and high credit limit, but it carries a few limitations that may make a traditional credit card more appealing for credit-builders.
Navy Federal Credit Union® nRewards® Secured Credit Card
Last reviewed: August 9, 2024
The Navy Federal nRewards Secured Card rolls up savory features like low fees, unlimited flat-rate rewards and credit line upgrade reviews into one secured card for NFCU accountholders.
Capital One Platinum Credit Card
Last reviewed: December 10, 2024
If you want to build credit without a secured credit card, the Capital One Platinum credit card is worth a look for its valuable perks and features that make building credit easy with responsible use.
Capital One QuicksilverOne Cash Rewards Credit Card
Last reviewed: December 10, 2024
The Capital One QuicksilverOne card is one of our top choices for consumers trying to bolster their credit scores, thanks to a generous rewards program that offers 1.5% cash back on every purchase and easily makes up for the card’s annual fee.
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Last reviewed: August 21, 2023
The Petal 2 offers a low entry barrier and the opportunity to earn cash back and avoid fees while building your credit, but you could face a high APR.
Mission Lane Cash Back Visa® Credit Card
Last reviewed: July 23, 2024
If you’re looking for an unsecured card that can help you build credit while earning rewards with no annual fee, the Mission Lane Cash Back Visa is a great choice, beating out plenty of competing unsecured credit-building cards.
Petal® 1 "No Annual Fee" Visa® Credit Card
Last reviewed: August 9, 2024
Though it offers lackluster rewards, the Petal 1 “No Annual Fee” Visa Credit Card is a solid option for credit-builders looking to minimize costs and get a chance at a higher-than-average credit limit.
Jasper Cash Back Mastercard®
Last reviewed: August 29, 2024
The Jasper Cash Back Mastercard charges no annual fee* and offers a chance at a high credit limit and decent baseline rewards. However, it doesn’t carry many distinguishing features that set it apart from other cards for people with fair credit.
*All information about the Jasper Cash Back Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Jasper Cash Back Mastercard is no longer available through CreditCards.com.