The Chase Freedom Rise® Credit Card tops our list of credit cards to build credit, since it provides credit-building tools, doesn’t require a security deposit, offers cash back on every purchase and charges a $0 annual fee.
| Credit Cards | Our Ratings | Rewards Rate | Regular APR | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
Chase Freedom Rise® Credit Card*
|
Winner
|
1.5% cash back
| 25.99% Variable | Good / Excellent | |
Discover it® Secured Credit Card
 Apply Now
on Discover's secure site Rates & Fees |
Best to rebuild credit
|
1% - 2% cash back
| 27.24% Variable APR | Limited / Poor |
Apply Now
on Discover's secure site Rates & Fees |
Bank of America® Travel Rewards Credit Card for Students*
|
Students
|
1.5X points
Earn unlimited 1.5 points for every $1 you spend on all purchases. | 18.24% to 28.24% Variable APR | Good / Excellent | |
Petal® 2 Cash Back, No Fees Visa® Credit Card*
|
Unsecured card to build credit and earn rewards
|
1% - 10% cash back
| 28.99% - 30.99% | N/A | |
Capital One Quicksilver Secured Cash Rewards Credit Card
|
Secured card to build credit and earn rewards
|
1.5% - 5% Cash Back
| 29.74% (Variable) | Limited / Poor | |
Amazon Secured Card*
|
Store card
|
2% cash back
2% back at Amazon.com and Whole Foods Market with an eligible Prime membership
| 10.00% non-variable | Limited / Poor | |
Secured Chime Credit Builder Visa® Credit Card
Apply Now
on The Bancorp Bank's secure site |
No credit history
|
N/A | N/A | Limited / Poor / Fair |
Apply Now
on The Bancorp Bank's secure site |
OpenSky® Plus Secured Visa® Credit Card
Apply Now
on Capital Bank, N.A.'s secure site |
Rebuild credit after bankruptcy
|
10% cash back
Up to 10% cash back rewards
| 28.99% (variable) | Limited / Poor / Fair |
Apply Now
on Capital Bank, N.A.'s secure site |
First Tech Platinum Secured Mastercard®*
|
Low APR
|
1X point
1 point per $1 on every purchase
| 13.25% to 18.00% | N/A | |
Navy Federal Platinum Credit Card*
|
Military members
|
N/A | 10.99% to 18.00% (variable) | Fair / Good / Excellent | |
Business Advantage Unlimited Cash Rewards Secured credit card*
|
Business
|
1.5% cash back
Unlimited 1.5% cash back on all purchases
| 27.49% variable | See website for details* |
To bring you the list of credit cards for building credit, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor statistics.
For credit building cards in particular, we devote a large part of the score to features that help build credit — we want to help you locate cards that don’t cost a lot to own and get help you upgrade to better card offers.
We calculate how much the average cardholder can save with the card on a yearly basis. If it is a rewards card, we use U.S. Bureau of Labor data and $300 in monthly spend (the typical starting credit limit for an introductory card) to calculate how much the average cardholder can earn in rewards. We then subtract fees — including annual fees and maintenance fees — from this amount.
We give points for features that help build credit, including reports to all three credit bureaus, regular account reviews for card upgrades and free credit score access. We detract points for features that can be costly to cardholders trying to build credit, such as security deposits, penalty APRs and late payment fees.
Note that our ratings are a starting point for comparing and choosing the best credit card for building credit. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value to choose the best card for you.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: None
With no security deposit required, a $0 annual fee and an elevated cash back rate on every purchase, the Chase Freedom Rise® Credit Card is our pick for the best credit card for building credit.
You can improve your chances of being approved if you have a Chase checking account with a minimum balance of $250. Plus, earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days.
The Chase Freedom Rise® Credit Card is also our top pick for the best credit card for beginners.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Minimum deposit required: $200
The Discover it® Secured Credit Card offers applicants with limited / poor credit a clear path to upgrade to an unsecured card. Although you’ll be required to put down a security deposit of at least $200, which will become your line of credit, the card offers a lot of value with cash back rewards on every purchase.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: None
The Bank of America® Travel Rewards Credit Card for Students is the best credit card for students because of its flat-rate rewards on purchases, $0 annual fee and generous sign-up bonus that can be redeemed for travel or dining purchases. If you’re a student who’s planning to study abroad, this card also comes with a $0 foreign transaction fee.
Additionally, there’s no required security deposit and a long intro APR on purchases and balance transfers, which can be a nice perk if you’re planning to finance a large purchase or transfer a balance.
→ See all of the top student credit cards.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: None
The Petal® 2 Cash Back, No Fees Visa® Credit Card offers good value while building credit because there’s a $0 annual fee and rewards program. You’ll earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants. Plus, earn up to 1.25% cash back on most purchases after six months of timely payments and up to 1.5% cash back on most purchases after 12 months of timely payments.
Since this is an unsecured card, you won’t be required to put down a security deposit and there’s no credit history required.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: Put down a refundable $200 security deposit to get at least a $200 initial credit line
While many secured credit cards for building credit don’t offer a rewards program, the Capital One Quicksilver Secured Cash Rewards Credit Card offers the chance to earn simple, elevated rewards on every purchase while building your credit. Earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: $100
The Amazon Secured Card can be a great way for Amazon Prime members to build credit while earning rewards on Amazon purchases. You’ll earn 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership. There’s a $0 annual fee, and while it’s important to avoid carrying a balance, the 10.00% non-variable APR is low compared to other store credit cards.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Minimum deposit required: No minimum
The Secured Chime Credit Builder Visa® Credit Card provides the opportunity to build credit without a credit check. Before using the card, move money to your secured account from your Chime Checking Account, which functions as your credit line.
→ See all of the top credit cards for no credit or limited credit.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Minimum deposit required: $300
The OpenSky® Plus Secured Visa® Credit Card may be best for you if you just went through bankruptcy or have other negative information on your credit reports. That’s because there’s no credit check to apply — so your previous credit history won’t be considered.
After six months of responsible usage, you may be eligible to graduate to an unsecured card or a credit line increase with no additional application and no additional deposit.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: $500
When you need to carry a balance, the $0-annual-fee First Tech Platinum Secured Mastercard® is a solid choice, thanks to its well-below-average APR. It also has a $0 balance transfer fee, which is a money-saver if you need to consolidate debt with a balance transfer. First Tech Credit Union membership is required, but there are multiple ways to qualify that are simple and inexpensive.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: None
The Navy Federal Platinum Credit Card offers military members a great opportunity to build credit while reducing costs through its low interest rates and minimal fees. If you’re planning to transfer a balance, there’s an extremely low 0.99% introductory APR for 12 months for balance transfers requested within 60 days of account opening. Then, the regular 10.99% to 18.00% (variable) APR applies.
Additionally, this card comes at a low cost because there’s a $0 balance transfer fee, $0 annual fee and $0 foreign transaction fees. However, you’ll need to become a Navy Federal Credit Union member to apply.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Minimum deposit required: $1,000
The Business Advantage Unlimited Cash Rewards Secured credit card is an excellent choice for business owners looking to establish their business credit profile. It has a $0 annual fee and provides the opportunity to upgrade to an unsecured business credit card after responsible use.
In addition, the card allows your business to earn flat-rate cash back rewards while improving its credit. However, this card helps build your business credit only and doesn’t impact your personal credit.
→ See all of the top secured business credit cards.
The best way to build credit with a credit card is to use your card regularly and responsibly. Here are a few other tips on how to use credit cards to help build credit:
→ Learn more about how to build credit with a credit card.
Getting a credit card can be a powerful tool for building or improving your credit score, but it’s important to approach the process with a clear plan. Whether you’re starting from scratch or trying to rebuild, finding the right card and using it responsibly is key. Here are a few steps to help you get a credit card to build credit:
This can help you decide which cards you can qualify for. There are several ways you can check your credit score for free without impacting your credit score. You can create an account directly with the credit bureau Experian or get a weekly report from all three major credit bureaus (Experian, Equifax and TransUnion) through annualcreditreport.com. Or you can check your credit score for free with LendingTree Spring.
The most effective credit cards for building credit are those specifically tailored for individuals with no or limited credit history. These types of cards are excellent tools for establishing or improving your credit:
With a secured credit card, you deposit cash to secure a credit limit that’s usually equal to your deposit. Some cards let you transition to an unsecured card or offer automatic credit limit increases after you’ve used your card responsibly.
→ Learn more about what is a secured credit card and how does it work?
There are also some unsecured credit cards available if you have limited credit. These cards have low or no annual fees and offer credit-building tools. But since these cards don’t require a deposit, they might come with higher interest rates.
→ Learn more about secured vs. unsecured credit cards.
The approval requirements for student credit cards are generally lower than regular credit cards. These cards often offer a rewards program and other benefits geared toward students.
Many retailers offer store-specific credit cards, which can only be used within the brand of stores. Store cards are generally easy to get and will offer perks specific to that retailer.
After choosing a credit card, collect the necessary information to complete the application. You can apply online, in person, over the phone or by mail. Typically, you’ll need to provide personal details like your name, date of birth and Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). If you’re applying for a secured credit card, you’ll also need to have your security deposit ready.
→ Learn more about how to apply for a credit card.
While the cards on our list are designed for credit building, it’s not always guaranteed that you’ll get approved. If you don’t get approved, don’t panic. Credit card issuers are required to give you a reason for the denial so you can prepare for the next time you apply. Or, if you review the explanation and find an issue, you can call the reconsideration line to ask for your application to be reviewed again.
As you work on building your credit, it’s important to be mindful of common mistakes to avoid. Being cautious will help you improve your credit more effectively and prevent worsening your financial situation.
Start with one good credit card to build credit, then add a second card that earns rewards once you’re sure you can use credit responsibly. Try to stick with just a couple of cards; having many credit cards makes it difficult to manage your balance and payments, increasing your risk of getting into debt. Learn more about the number of credit cards you should have.
Building credit is important because your credit history can affect your life in many ways. A higher credit score gives you access to better credit card offers, as well as lower auto loan and mortgage rates. Credit scores can also impact your ability to rent an apartment and obtain utilities without putting down a security deposit.
Maintaining a strong credit profile and high credit score can help with the following:
Access to loans and credit
When you build a positive credit history, lenders are more likely to approve your applications for loans, credit cards and other forms of credit. This access can be essential for financing major expenses such as buying a home, purchasing a car or paying for college.
Lower interest rates
A good credit score can lead to lower interest rates on loans and credit cards. This translates to lower monthly payments and less money paid in interest over the life of the loan, potentially saving you thousands of dollars.
Financial flexibility
Building credit provides you with the flexibility to manage unexpected financial needs. Having a line of credit available can help cover emergencies or unexpected expenses without resorting to high-interest options.
Renting a home
Many landlords and property managers use credit checks to assess the reliability of potential tenants. A solid credit history can increase your chances of securing a rental property, as it demonstrates your ability to meet financial obligations.
Employment opportunities
Some employers may consider your credit history as part of their hiring process, particularly for positions that involve financial responsibilities. A positive credit history could improve your chances of landing your dream job.
Better insurance premiums
In some cases, insurance companies may use credit scores to determine insurance premiums. A higher credit score could lead to lower insurance costs over time.
Building credit isn’t a linear path, and your credit score can fluctuate from month to month. In addition to following the best practices on building credit, you can take additional steps. They aren’t necessary but can help build credit, especially if you’re just starting out or have bad credit.
“Adding my husband as an authorized user on my oldest credit card took him from having no credit score to a 798 credit score in less than a year. However, this alone wasn’t enough for him to be eligible for an unsecured credit card, so he opened a secured credit card to further build his credit history and report.”
– Charlotte Zhang, credit cards writer at LendingTree
→ Learn more about how to build credit without a credit card.
As you establish credit or rebuild your score, you’ll be able to qualify for cards with better rewards, lower interest rates and more favorable terms. Here’s what you can do after building your credit:
The time it takes to build credit depends on where you are in your credit journey. If you’re just getting started, it can take at least six months to establish a basic credit history and see initial changes in your credit score. After that, you can expect your score to be updated at least once a month, when credit issuers report to the credit bureaus.
Yes, authorized users can build credit. When someone makes you an authorized user on their credit card, the account’s payment history and utilization will appear on your credit report as well. This can give your credit score a significant boost, especially if the primary account holder maintains a positive credit history with on-time payments and low balances.
Just know, not all credit card issuers report authorized user information to credit bureaus.
While building credit takes time, there are some basic strategies you can use to speed up the process. If you have a credit card, start by consistently paying your bill on time to establish a positive payment history. Maintaining a low balance and credit utilization ratio can lead to rapid score improvements. You should also focus on diversifying your credit mix by adding different types of credit, such as a credit builder loan.
While many issuers offer credit cards to build credit, not all offer options for those with poor credit who are trying to rebuild. For example, Capital One and Discover have solid secured credit cards for individuals with bad credit and offer preapproval tools that can help you see if you qualify for a card before you apply. Other issuers like Chase and Wells Fargo don’t provide secured card options.
The Secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Chase Freedom Rise® Credit Card, Bank of America® Travel Rewards Credit Card for Students, Petal® 2 Cash Back, No Fees Visa® Credit Card, Amazon Secured Card, First Tech Platinum Secured Mastercard®, Navy Federal Platinum Credit Card, Business Advantage Unlimited Cash Rewards Secured credit card and Amazon Prime Store Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
