Best Credit CardsBuild Credit
Selected from 1,500+ credit cards for April 2024
Updated Apr 11, 2024Fact checked
By:John Kiernan, Credit Card Editor
|Apr 11, 2024
Reviewed by:Alina Comoreanu, Senior Researcher
Fact checked
The best credit cards for building credit may accept you despite limited or bad credit, won't charge you expensive annual fees, and will report your account information to the credit bureaus monthly, helping you build credit inexpensively. Using a credit card responsibly is the best way to build credit, as on-time payments add a track record of positive credit history.
Once you get one of the best credit cards for building credit, you can start your credit journey off right by paying the bill on time every month, and in full whenever possible. Eventually, you'll be able to qualify for credit cards with even better terms and benefits.
Best Credit Cards to Build Credit of April 2024
Discover it® Secured Credit Card: Winner
Capital One Platinum Credit Card: No Credit
OpenSky® Plus Secured Visa® Credit Card: After Bankruptcy
Capital One QuicksilverOne Cash Rewards Credit Card: Rewards
Credit One Bank® Platinum Visa® for Rebuilding Credit:No Deposit
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information forsome of the cards on this page.
OVERALL
BEST FOR PEOPLE WITH BAD CREDIT
Discover it® Secured Credit Card
![4 Best Credit Cards to Build Credit [April 2024] (1)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/discover-it-secured-credit-card-22062289c.png "4 Best Credit Cards to Build Credit [April 2024] (1)")
Discover it® Secured Credit Card
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.7
Market Comparison
4.4
fees: 5.0
rewards: 5.0
cost: 4.6
Other Features: 3.0
Apply Now
Transfer intro APR
10.99% for 6 months
Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
28.24% Variable
Annual Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Limited History, Bad
Transfer intro APR
10.99% for 6 months
Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
28.24% Variable
Annual Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Limited History, Bad
Editors’ Thoughts
The best credit card for building credit is the Discover it® Secured Credit Card because it has a $0 annual fee and good rewards. Cardholders earn 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases. Plus, whatever you earn the first year as new cardmember gets doubled as an account anniversary bonus.
Pros, Cons & More Details
Pros
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
Cons
- High regular APR
Rewards Details
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Pros, Cons & Details
BEST FOR NO CREDIT
BEST STARTER CARD TO BUILD CREDIT WITH
Capital One Platinum Credit Card
![4 Best Credit Cards to Build Credit [April 2024] (2)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/capital-one-platinum-142783c.png "4 Best Credit Cards to Build Credit [April 2024] (2)")
Capital One Platinum Credit Card
2.6WalletHub Rating
WalletHub Rating
2.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
2.1
fees: 5.0
rewards: 0.0
cost: 1.4
APR: 1.5
Other Features: 4.5
Apply Now
Regular APR
30.74% (V)
Annual Fee
$0
Accepted Credit
Fair, Limited History
Regular APR
30.74% (V)
Annual Fee
$0
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why We Like It: The Capital One Platinum Credit Card is the best credit card to build credit with because it has a $0 annual fee and reports monthly to the major credit bureaus. Capital One Platinum also is available to applicants with limited or no credit history, so it’s pretty easy to get approved for. As a result, using this card responsibly is a great way to build credit inexpensively.
What We Don’t Like: This card has a high APR, so try to pay the bill in full every month. In addition, this offer would be a lot better if cardholders earned rewards on purchases.
Who Should Get It: Apply for Capital One Platinum if you’re new to credit and want to build credit history at a low cost.
Pros, Cons & More Details
Pros
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
Cons
- No rewards
- High regular APR
- No reduced introductory rates
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- 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 from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Pros, Cons & Details
Bonus Rewards Credit Card to Build Credit With
Petal® 2 Visa® Credit Card
![4 Best Credit Cards to Build Credit [April 2024] (3)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/petal-cash-back-card-09293249c.png "4 Best Credit Cards to Build Credit [April 2024] (3)")
Petal® 2 Visa® Credit Card
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.9
fees: 5.0
rewards: 5.0
cost: 4.9
Other Features: 4.5
Learn More
Regular APR
18.24% - 32.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Accepted Credit
Excellent, Good, Fair, Limited History
Regular APR
18.24% - 32.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Accepted Credit
Excellent, Good, Fair, Limited History
Editors’ Thoughts
Why We Like It: ThePetal® 2 Visa® Credit Cardoffers a $0 annual fee and at least 1% cash back on all eligible purchases. This enables people with limited or no credit history to save money while they build credit, which should be the goal.
The rewards rate jumps to 1.25% cash back on all eligible purchases after six months of on-time payments, then 1.5% after 12 months of on-time payments. Plus, the Petal 2 Card reports those payments to all three major credit bureaus, helping you improve your credit score.
What We Don’t Like: This card has the potential for a high APR, and it would be better if cardholders got above-average rewards rates before making months of on-time payments.
Who Should Get It: Consider applying for this card if you have limited credit history, you want to earn rewards on purchases, and you anticipate no issues paying the monthly bills by the due date.
Pros, Cons & More Details
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards bonus
- No balance transfers allowed
Rewards Details
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 18.24% - 32.24%
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
Pros, Cons & Details
BEST FOR BAD CREDIT
BEST NO CREDIT CHECK CREDIT CARD TO BUILD CREDIT WITH
OpenSky® Plus Secured Visa® Credit Card
![4 Best Credit Cards to Build Credit [April 2024] (4)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/opensky-plus-secured-credit-card-20523437c.png "4 Best Credit Cards to Build Credit [April 2024] (4)")
OpenSky® Plus Secured Visa® Credit Card
3.5WalletHub Rating
WalletHub Rating
3.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.5
User Reviews
3.8
Market Comparison
3.3
fees: 5.0
rewards: 0.0
cost: 2.3
APR: 0.6
Other Features: 4.4
Apply Now
One-Time Fees
$0
Regular APR
29.99% (V)
Annual Fee
$0
Monthly Fee
$0
Accepted Credit
Limited History, Bad
One-Time Fees
$0
Regular APR
29.99% (V)
Annual Fee
$0
Monthly Fee
$0
Accepted Credit
Limited History, Bad
Editors’ Thoughts
Why We Like It: There’s no credit check when you apply for the OpenSky® Plus Secured Visa® Credit Card. As a result, the card should be fairly easy to get approved for, even with something like bankruptcy on your credit report. It has a $0 annual fee, too.
What We Don’t Like: This card requires a refundable security deposit of at least $300. The amount of your deposit becomes your spending limit.
Who Should Get It: If you’re really worried that your credit history – whether bad or nonexistent – will prevent you from starting the credit building process, the OpenSky® Plus Secured Visa® Credit Card is an interesting option.
Pros, Cons & More Details
Pros
- No membership fees
- Qualify with limited or no credit history
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Pros, Cons & Details
BEST SECURED CREDIT CARD TO BUILD CREDIT WITH
Discover it® Secured Credit Card
Discover it® Secured Credit Card
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.7
Market Comparison
4.4
fees: 5.0
rewards: 5.0
cost: 4.6
Other Features: 3.0
Apply Now
One-Time Fees
$0
Regular APR
28.24% Variable
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Limited History, Bad
One-Time Fees
$0
Regular APR
28.24% Variable
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1 - 2% Cash Back
Accepted Credit
Limited History, Bad
Editors’ Thoughts
Why We Like It: The Discover it® Secured Credit Card doesn’t charge an annual fee, and it does give you the opportunity to earn some rewards – pretty good ones, at that. Cardholders earn 2% cash back at gas stations and restaurants (up to $1,000 spent each quarter combined), and 1% back on all other purchases. Plus, whatever you earn the first year as new cardmember gets doubled as an account anniversary bonus.
What We Don’t Like: Cardholders must place a deposit of at least $200. The amount you put down then becomes your spending limit.
Who Should Get It: If you’re working to rebuild damaged credit, as opposed to building credit from scratch, the Discover it Secured Credit Card is a great choice. You can learn more from WalletHub’s complete Discover it Secured Credit Card review.
Pros, Cons & More Details
Pros
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
Cons
- High regular APR
Rewards Details
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Pros, Cons & Details
BEST UNSECURED CARD TO BUILD CREDIT WITH
Credit One Bank® Platinum Visa® for Rebuilding Credit
![4 Best Credit Cards to Build Credit [April 2024] (6)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/credit-one-visa-18373220c.png "4 Best Credit Cards to Build Credit [April 2024] (6)")
Credit One Bank® Platinum Visa® for Rebuilding Credit
2.6WalletHub Rating
WalletHub Rating
2.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Rebuild Damaged Credit"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.6
Market Comparison
2.4
fees: 2.7
rewards: 5.0
cost: 1.8
APR: 0.6
Other Features: 4.7
Apply Now
One-Time Fees
$0
Regular APR
29.74% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
$0
Rewards Rate
0 - 1% Cash Back
Accepted Credit
Bad
One-Time Fees
$0
Regular APR
29.74% (V)
Annual Fee
$75 intro 1st yr, $99 after
Monthly Fee
$0
Rewards Rate
0 - 1% Cash Back
Accepted Credit
Bad
Editors’ Thoughts
Why We Like It: The Credit One Bank® Platinum Visa® for Rebuilding Credit has a $300 starting credit limit, with no security deposit needed. In addition, it doesn’t charge a one-time fee for processing your application, which is unfortunately common among unsecured credit cards for people with poor credit. If you get this card, you will also earn 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services.
What We Don’t Like: This card charges an annual fee of$75 the first year and $99 after. Any balance you carry from month to month with this card will also accrue interest at a high rate: 29.74% (V).
Who Should Get It: If you have poor credit and you need to borrow a bit from your credit card as you rebuild your credit score, you should apply for the Credit One Bank® Platinum Visa® for Rebuilding Credit. It figures to save you more money than other unsecured credit cards for bad credit. If you don’t need to borrow, though, a secured card will be cheaper.
Pros, Cons & More Details
Pros
- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
Cons
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit
Rewards Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- See if you Pre-Qualify without harming your credit score
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Free Online Credit Score and Credit Report summary, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
Pros, Cons & Details
BEST FOR STUDENTS
BEST CASH BACK CREDIT CARD TO BUILD CREDIT WITH
Capital One SavorOne Student Cash Rewards Credit Card
![4 Best Credit Cards to Build Credit [April 2024] (7)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/capital-one-savorone-student-cash-rewards-credit-card-14501244c.png "4 Best Credit Cards to Build Credit [April 2024] (7)")
Capital One SavorOne Student Cash Rewards Credit Card
5.0WalletHub Rating
WalletHub Rating
5.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Build Credit by Paying in Full Each Month (Students)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Apply Now
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
1 - 8% Cash Back
Bonus Offer
$50
Accepted Credit
Fair, Limited History
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
1 - 8% Cash Back
Bonus Offer
$50
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why We Like It: The Capital One SavorOne Student Cash Rewards Credit Card is great for building credit at no cost and earning lots of rewards along the way. The card has no annual fee, and its rewards begin with an initial bonus of $50 for spending $100 in the first 3 months of opening an account. The rewards also continue with 1 - 8% cash back on purchases.
What We Don’t Like: The card’s regular APR could be pretty high. You also need to be a student to qualify.
Who Should Get It: Consider applying for this card if you’re a student who wants to earn cash back rewards.
Pros, Cons & More Details
Pros
- No membership fees
- High rewards rate
- Earn $50 initial rewards bonus
- No foreign transaction fee
Cons
- Potential for a high interest rate
Rewards Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Pros, Cons & Details
BEST FOR FAIR CREDIT
BEST REWARDS CREDIT CARD TO BUILD CREDIT WITH
Citi Double Cash® Card
![4 Best Credit Cards to Build Credit [April 2024] (8)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/citi-double-cash-card-1235121c.png "4 Best Credit Cards to Build Credit [April 2024] (8)")
Citi Double Cash® Card
4.9WalletHub Rating
WalletHub Rating
4.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Apply Now
Transfer intro APR
0% for 18 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$200
Accepted Credit
Excellent, Good, Fair
Transfer intro APR
0% for 18 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR
19.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$200
Accepted Credit
Excellent, Good, Fair
Editors’ Thoughts
Why We Like It: The Citi Double Cash® Card rewards you with an initial bonus of $200 for spending $1,500 in the first 6 months. You’ll also earn 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. It has a $0 annual fee and reports to all three major credit bureaus on a monthly basis, giving you the opportunity to build credit.
In addition to the rewards, the Citi Double Cash Card offers an introductory APR of 0% for 18 months on balance transfers.
What We Don’t Like: This card has a regular APR of 19.24% - 29.24% (V) and a transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.
Who Should Get It: Consider applying for the Citi Double Cash Card if you have fair credit and want to earn above average rewards on all the purchases.
Pros, Cons & More Details
Pros
- Offers 2% cash back
- $0 annual fee
- $200 initial rewards bonus
- Low intro APR on balance transfers
Cons
- 3% foreign transaction fee
- High regular APR
Rewards Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Pros, Cons & Details
BEST REWARDS CREDIT CARD TO BUILD CREDIT WITH
Capital One QuicksilverOne Cash Rewards Credit Card
![4 Best Credit Cards to Build Credit [April 2024] (9)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/quicksilverone-rewards-144475c.png "4 Best Credit Cards to Build Credit [April 2024] (9)")
Capital One QuicksilverOne Cash Rewards Credit Card
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Improve Credit by Paying in Full Each Month"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.5
Market Comparison
3.9
fees: 2.8
rewards: 5.0
cost: 4.0
Other Features: 4.5
Apply Now
Regular APR
30.74% (V)
Annual Fee
$39
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Fair, Limited History
Regular APR
30.74% (V)
Annual Fee
$39
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Fair, Limited History
Editors’ Thoughts
Why We Like It: The Capital One QuicksilverOne Cash Rewards Credit Card rewards cardholders with 1.5% cash back on all purchases. It also reports to all three major credit bureaus on a monthly basis, giving you the opportunity to build credit.
What We Don’t Like: This card has a $39 annual fee. It also has a high APR, so you’ll want to pay the bill in full monthly to minimize the cost of building credit.
Who Should Get It: QuicksilverOne is an excellent option if you plan to charge at least $217 to your card each month. That’s how much you need to spend for QuicksilverOne’s rewards to cancel out its annual fee, according to our calculations.
For more information, check out WalletHub’s full review of the Capital One QuicksilverOne Card.
Pros, Cons & More Details
Pros
- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign transaction fees
Cons
- $39 annual fee
- Above-average regular APR
Rewards Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pros, Cons & Details
BEST STORE CARD TO BUILD CREDIT WITH
BEST STORE CARD TO BUILD CREDIT WITH
Kohl's Credit Card *
![4 Best Credit Cards to Build Credit [April 2024] (10)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/500/kohls-card-17501781c.jpg "4 Best Credit Cards to Build Credit [April 2024] (10)")
Kohl's Credit Card *
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.8
Market Comparison
4.3
fees: 5.0
rewards: 4.2
cost: 4.5
Other Features: 0.0
Learn More
Regular APR
31.24% (V)
Annual Fee
$0
Rewards Rate
7.5% in Rewards
Bonus Offer
35% discount
Accepted Credit
Excellent, Good, Fair
Regular APR
31.24% (V)
Annual Fee
$0
Rewards Rate
7.5% in Rewards
Bonus Offer
35% discount
Accepted Credit
Excellent, Good, Fair
Editors’ Thoughts
Why We Like It: The Kohl's Credit Card is great because it gives 7.5% in Rewards back on all purchases and has a $0 annual fee. You will also get a 35% discount on your first purchase.
What We Don’t Like: This card has a fairly high APR, and it can only be used at Kohl’s stores and on kohls.com.
Who Should Get It: Consider applying if you have fair credit or better and regularly shop at Kohl’s. Getting a store credit card affiliated with one of your favorite retailers and using it responsibly is one of the best ways to improve a fair credit score and save a lot of money in the process.
Pros, Cons & More Details
Pros
- No membership fees
- 35% discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Rewards Details
- Save 35% on your first purchase using your new Kohl’s Credit Card within 14 days of credit approval.
- Earn 7.5% back in rewards on every qualifying purchase made at Kohl with your new card. Enrollment required.
- Cash promotional events from time to time. During these events, select purchases earn an additional $10 for every $50 spent in a single transaction during the event.
- Enjoy a special anniversary offer every year.
- This card entitles you to extra savings offers throughout the year.
- Spend $600 with your card by the end of the year to receive additional offers throughout the year and enjoy monthly free shipping events
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
- Use your Kohl's Cash® with your Kohl's Charge discounts.
Pros, Cons & Details
WalletHub's Research
30
Research Hours
371
Companies Reviewed
1,745
Cards Reviewed
- What are the best credit cards to build credit with?
- Best credit cards to build credit compared
- Why using a credit card responsibly is the best way to build credit
- Methodology
- Sources
- About the author
- User questions & answers
- Expert opinions
What Are the Best Credit Cards to Build Credit With?
![4 Best Credit Cards to Build Credit [April 2024] (11)](https://i0.wp.com/cdn.wallethub.com/wallethub/posts/109250/best-credit-cards-to-build-credit-badge.png "4 Best Credit Cards to Build Credit [April 2024] (11)"){kind=icon}
There are two main types of credit cards to build credit with:secured credit cardsandunsecured credit cards for people with limited or no credit. Astudent credit cardmay also be an option if you’re in college.
We recommend seeking out the cheapest offer that you can get approved for. Your goal at this stage should be to start building your credit as soon as possible. If you’re looking for a card to rebuild your credit with, check out thebest credit cards for bad credit.
Best Credit Cards for Building Credit Compared
| Credit Card | Best For | Editor's Rating |
| Petal® 2 Visa® Credit Card | Overall | 5/5 |
| Discover it® Secured Credit Card | Bad Credit | 5/5 |
| OpenSky® Plus Secured Visa® Credit Card | After Bankruptcy | 4.5/5 |
| Indigo® Mastercard® for Less than Perfect Credit | No Deposit | 2/5 |
| Capital One QuicksilverOne Cash Rewards Credit Card (see Rates & Fees) | Rewards | 4.7/5 |
Check out our editors’ picks for the year’s best starter credit cards for more money-saving offers. Ourguide on how to build credit also has plenty of pointers to help get you started on the right foot.
Why Using a Credit Card Responsibly Is the Best Way to Build Credit
- Credit Cards Don’t Have to Cost You a Thing: There are plenty of no annual fee credit cards for people with no credit or bad credit. And credit building doesn’t require making purchases. Even a credit card with zero balance will help you. That’s key because loans will generally force you into debt.
- Credit Cards Report Monthly to Credit Bureaus: All major credit cards report information to the three major credit bureaus on a monthly basis, usually at the end of your billing cycle. This gives you the opportunity to quickly establish credit history from scratch or reduce the impact of previous mistakes. You just have to pay your bill on time.
- Credit Cards Are Pretty Easy to Get: The easiest credit cards to get, which are generally secured cards, offer nearly guaranteed approval. You just need to be at least 18 years old with enough income or assets to make monthly minimum payments. In other words, there isn’t much standing in the way of you building credit.
It might seem like a bit of a chicken-and-egg situation, but building credit with no credit isn’t as hard as you might think. All you really need is a credit card, and there are many cards you can get without any credit experience. There are ways to build credit without a credit card, too. But credit cards provide the most direct route to better credit.
Methodology for Selecting the Best Credit Cards to Build Credit
To identify the best credit cards with which to build credit, WalletHub’s editors regularly compare 1,500+ credit card offers based on key WalletHub Rating components, including their approval requirements, fees, rewards, initial bonus, and interest rates. We also take some key secondary factors into account, such as whether a security deposit is required or an applicant must be a student to qualify.
We start by identifying the cards with the lowest annual fees, preferably $0 per year, as it is best to keep costs low while building credit. We then identify the cards with the best rewards, using low APRs as a tiebreaker, because people working to build credit should strive to pay their credit card bill in full every month. Finally, the cards with the lowest two-year cost are selected.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data.
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit cards to build credit for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the Author
![4 Best Credit Cards to Build Credit [April 2024] (12)](https://i0.wp.com/cdn.wallethub.com/common/profile/images/150/john-s-kiernan.jpg "4 Best Credit Cards to Build Credit [April 2024] (12)")
John S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Twitter Email Full Bio
Best Credit Cards to Build Credit FAQ
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
Upvotes
What type of credit card is best to build credit?
Reply
Theresa Chalfant, Writer
@theresa_chalfant
The best type of credit card to build credit is a secured credit card. Any credit card that reports to credit bureaus monthly will help build your credit, though secured cards often have lower fees and interest rates than unsecured cards for people with less-than-good credit.
The main downside to a secured card is that it requires a security deposit (typically at least $200) to open. The amount of this deposit then serves as your credit line until you close or graduate your account, at which point it can be refunded, unlike the fees charged by many unsecured cards – particularly those for people with bad credit.
There are many credit cards, both secured and unsecured, that are designed to help consumers with bad or limited credit build their credit score. For example, you might get a better deal if you can get approved for an unsecured starter credit card or a student credit card with a $0 annual fee.
Best Credit Cards to Build Credit
![4 Best Credit Cards to Build Credit [April 2024] (13)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw== "4 Best Credit Cards to Build Credit [April 2024] (13)")
Best to Build Credit:Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website- Best with No Deposit:Credit One Bank® NASCAR® Credit CardCredit One Bank® NASCAR® Credit CardLearn MoreLearn More
- Best for After Bankruptcy:OpenSky® Plus Secured Visa® Credit CardOpenSky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Rewards:Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Best Student Card:Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
![4 Best Credit Cards to Build Credit [April 2024] (13)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/130/capital-one-platinum-142783c.png "4 Best Credit Cards to Build Credit [April 2024] (13)")
![4 Best Credit Cards to Build Credit [April 2024] (14)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/130/nascar-credit-card-1730180c.png "4 Best Credit Cards to Build Credit [April 2024] (14)")
![4 Best Credit Cards to Build Credit [April 2024] (15)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/130/opensky-plus-secured-credit-card-20523437c.png "4 Best Credit Cards to Build Credit [April 2024] (15)")
![4 Best Credit Cards to Build Credit [April 2024] (16)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/130/quicksilverone-rewards-144475c.png "4 Best Credit Cards to Build Credit [April 2024] (16)")
![4 Best Credit Cards to Build Credit [April 2024] (17)](https://i0.wp.com/cdn.wallethub.com/common/product/images/creditcards/130/capital-one-savorone-student-cash-rewards-credit-card-14501244c.png "4 Best Credit Cards to Build Credit [April 2024] (17)")
Building credit can be a lengthy process. There is no type of card that offers a quick solution, but responsible habits will help you to build credit fast with any card.
16
Upvotes
What credit card is best for increasing credit score?
Reply
16
Chip Lupo, Credit Card Writer
@CLoop
The best credit card for increasing your credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees). It has a $0 annual fee, offers 1.5 - 5% cash back on purchases, is available to people with bad credit, and reports monthly to the three major credit bureaus. Monthly credit reporting will help build your credit score if you use the account responsibly.
To be perfectly clear, all credit cards that report to the three major credit bureaus (which is almost all credit cards)...
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4
16
Upvotes
What are the best credit cards to build credit fast?
Reply
16
Chip Lupo, Credit Card Writer
@CLoop
The best credit card to build credit fast is the Chase Freedom Rise℠. This card has a $0 annual fee, is available to people with limited credit and reports account information to the credit bureaus every month. Plus, it rewards you with 1.5% cash back on all purchases. These features make it easier to build credit quickly and inexpensively.
The Chase Freedom Rise℠ has an initial credit limit of $500+. In addition, Chase may automatically consider you for a credit limit...
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11
37
Upvotes
Do authorized users build credit?
Reply
37
1
John S Kiernan, Managing Editor
@John
Yes, authorized users do build credit. You can actually build a good or excellent credit score just as an authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history. But because authorized users are not responsible for paying the bills, credit scores don't give authorized user accounts as much weight. So...
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11
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33
Upvotes
What are the easiest credit cards to get approved for?
33
John Kiernan, Credit Card Editor
@John
The easiest credit cards for you to get approved for with bad credit or no credit are secured credit cards because they require a refundable security deposit that protects the issuer. Secured cards can help you avoid annual fees, add to your credit history with the 3 major credit bureaus, and even earn rewards of 1% or more on your purchases. To help you maximize your odds of approval for a credit card, we compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates and rewards.
Easiest Credit Cards to Get
- Best Overall: OpenSky® Plus Secured Visa® Credit Card
- Best for No Annual Fee: Petal® 2 Visa® Credit Card
- Best for After Bankruptcy: Capital One Quicksilver Secured Cash Rewards Credit Card
- Best for Students: Capital One SavorOne Student Cash Rewards Credit Card
- Best for No Credit: Capital One Platinum Credit Card
- Best Unsecured Card: Indigo® Mastercard® for Less than Perfect Credit
It’s important for you to get a good credit card because credit cards are the best credit-building tools available to us. Nearly all of them report information to the major credit bureaus on a monthly basis, and unlike loans, they don’t require you to incur any debt. Some credit cards are much easier to get approved for than others, though. You can learn all about the best easy approval credit cards below, which include both secured cards and unsecured cards for bad or no credit. Using one of these cards responsibly can help you eventually transition to one of the best credit cards overall.
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners.WalletHub independently collected information forsome of the cards on this page.
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16
Upvotes
How long does it take to build credit with a secured credit card?
Reply
16
WalletHub
@WalletHub
You can build credit with a secured credit card in as little as one to six months, but it can take many months or even years to build a consistently good or excellent credit score. The length of time also depends on whether you're building credit from nothing or rebuilding damaged credit.
If you have no credit, you could see a good score after just a few months of paying on time. You will have a...
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13
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16
Upvotes
Does Capital One help build credit?
Reply
16
Rhonda Stewart, WalletHub Loans Analyst
@rhonda
Yes, Capital One cards help you build credit, as long as you use your card responsibly and pay your bill on time every month. Most Capital One credit cardsare especially good for building credit as they are free to use, and your account information gets reported to the three major credit bureausmonthly.
Capital One also has credit cards for people with limited credit history or bad credit. In addition, both the primary cardholder and any authorized users they add...
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11
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27
Upvotes
How can I raise my credit score 200 points in 30 days?
Reply
27
Lauren Smith, WalletHub Staff Writer
@laurenellesmith
You can raise your credit score 200 points in 30 days by disputing errors on your credit report, paying off past-due accounts, and lowering your credit card utilization. Creditors typically report updated information monthly, so it is possible to improve your score by 200 points in 30 days. It will likely take several months for your score to realize its full potential, though.
You can use WalletHub's free credit score simulator to learn how different actions can affect...
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23
Upvotes
How to Build Credit with a Credit Card
23
Adam McCann, Financial Writer
@adam_mcan
You can build credit with a credit card by usingit every month, paying off your purchases on time, and keeping yourcredit utilizationlow (below 30%). It's even possible to build credit with a credit card without making purchases. For instance, you could lock your credit card in a drawer and still see your credit score improve over time.
Regardless of your exact approach, the key to building credit is to get a credit card as soon as possible and then avoid missing monthly due dates. Simply having an open credit card account is the easiest way to build credit, and payment history is the biggest ingredient in your credit score. With that being said, we'll lay out our ideal approach to building credit with a credit card below.
Best Way to Build Credit With a Credit Card
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39
Upvotes
What are the best unsecured credit cards to rebuild credit with?
Reply
39
6
Lisa Cahill, Credit Cards Moderator
@lisacahill
The best unsecured credit cardto rebuild your credit with is the Credit One Bank® Platinum Visa® for Rebuilding Credit. This card reports to the three major credit bureaus each month, starts cardholders off with a $300+ credit limit, and has a reasonable annual fee. Plus, it offers 0 - 1% cash back on eligible purchases, accepts people with bad credit, and will make sure you pre-qualify before doing a hard credit check.
Another good option to consider is the Fortiva® Mastercard® Credit Card. It gives 3% cash back on eligible...
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12
![4 Best Credit Cards to Build Credit [April 2024] (2024)](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8/h8AAvMB+NzmkbcAAAAASUVORK5CYII=)