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November 2024: Credit Cards to Rebuild Credit

No one is immune to money troubles - most of us have been in a tight financial spot at least once in our lives. Whether it's because of unemployment, illness, divorce or other family issues, or gotten in over your head due to student loans, medical bills or other expenses, your credit history may have suffered. But good news - no matter how far your history has fallen, there is always a way to raise it. Just take your first step towards good credit with credit builder card offers from our partners below.

Show more
  • Cards of November 2024
  • Secured Cards
  • Unsecured Cards
  • Credit Builder Account
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide
Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 4.3

  • Click "APPLY ONLINE" to apply now
  • 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 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone

our choice

Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Apply for Capital One Platinum Secured Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 3.8

  • Click "APPLY ONLINE" to apply now
  • 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 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

our choice

$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help

our choice

Rating 3.7

  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build** your credit.

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes
Apply for Capital One Platinum Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Rating 4.0

  • Click "APPLY ONLINE" to apply now
  • 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

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
N/A
Credit Line:
See terms
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Help build your credit through responsible use of a card like this

our choice

Rating 3.4

  • Your next tool for building credit!
  • The Secured Self Visa Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa® credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

$100
Credit Limit
Security Deposit:
$100
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Your next tool for building credit!
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Apply for Prosper<sup>®</sup> Card - Credit-Land.com APPLY NOW

Good / Fair / Bad / Limited / No Credit

our choice

Rating 4.0

  • No annual fee for the first year with AutoPay*
  • No security deposit required
  • We don't charge fees for ATM cash withdrawals**
  • Initial credit limit up to $3,000
  • We regularly report on your credit card performance to help you establish credit history
  • Zero fraud liability (which offers protection against unauthorized purchases)
  • While you wait for your Prosper® Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard app, or Prosper.com
  • Choose a monthly payment date that works for you
  • Free mobile app—MyProsperCard
  • Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International

our choice

$3,000
Credit Limit
Security Deposit:
No
Credit Line:
Initial credit limit up to $3,000
Credit Line Increase:
Automatic reviews for increases
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

our choice

Rating 3.9

  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
  • View Product Disclosures

our choice

0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0

our choice

Rating 4.1

  • To apply for Credit Builder, you must have an active Chime® Checking Account.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • Chime is a financial technology company, not a bank. 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.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • *Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0%
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.

our choice

Rating 3.7

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • Award-winning, U.S.-based customer service

our choice

Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes

our choice

Rating 4.7

  • Get up to a +86 average341 FICO® Score increase on autopilot
  • Largest credit builder in the nation
  • Build from $2,000 up to $30,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees

our choice

Loans up to
$30,000
Minimum Loan Amount:
$2,000
Maximum Loan Amount:
$30,000
Term of Loan:
See terms
No Credit Check
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
All
Credit Types Welcome
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes

our choice

Rating 5.0

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax, Experian and TransUnion

our choice

No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$750
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$750
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes

our choice

Rating 3.2

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

our choice

Credit Line
Increase
Available
Security Deposit:
$200
Credit Line:
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Credit Line Increase:
Increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Rebuild Your Credit
Build Credit:
Yes
Card Category:
Secured
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Mastercard® is Accepted
Credit Check:
Yes

our choice

Rating 3.7

  • Pre-qualify with no impact to your credit score
  • Helping people build** credit is our first priority – start your credit-building journey today.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
  • Award-winning, U.S.-based customer service

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check :
Yes
Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Apply for Sezzle - Credit-Land.com APPLY NOW

Poor, Fair, Good Credit

our choice

Rating 4.4

  • Sezzle enables you to obtain no-interest loans for purchases.
  • No hard credit check.
  • Simple, transparent 6-week payment plan.
  • With the Sezzle subscription, Sezzle Anywhere, shoppers can shop at any retailer (in store and in person) and pay in 4 with Sezzle.

our choice

Great Features
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Instant Response
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes

our choice

Rating 3.4

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Simple and fast application process
  • Greater access to credit than before - $700 credit limit
  • $0 Fraud Liability* for unauthorized use offers you peace of mind
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

$700
Credit Limit
Security Deposit:
No
Credit Line:
$700
Credit Line Increase:
See terms
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use nationwide wherever Mastercard is accepted
Credit Check:
Yes

our choice

Rating 3.7

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build** credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.

our choice

Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check :
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build Your Credit
Build Credit:
Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)

our choice

Rating 4.4

  • Choose a plan to build credit and savings at the same time!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
  • Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Check:
Yes
Instant Response:
No
Credit Agencies Report:
Yes
No
Employment Requirements
Minimum Age of a Borrower:
18
Checking Account Required:
Yes
Employment Required:
No
Minimum Income Required:
See terms

our choice

Rating 3.4

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • No security deposit required, even with less than perfect credit
  • Simple application process with a quick response
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

our choice

$700
Credit Limit
Security Deposit:
Credit Line:
$700
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use nationwide wherever Mastercard is accepted
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

our choice

Rating 3.8

  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today!1
  • 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.

our choice

Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards with First Progress Prestige!
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Accepted wherever Mastercard® is accepted
Credit Check:
No
Build Your Credit
Build Credit:
Yes
Credit Line:
Apply now and fund your security deposit over 90 days with the option to make partial payments.
Card Usage:
Accepted wherever Mastercard® is accepted
SHOW MORE CARDS
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide
Apply for Capital One Platinum Secured Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 3.8

  • Click "APPLY ONLINE" to apply now
  • 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 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

our choice

$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help

our choice

Rating 3.4

  • Your next tool for building credit!
  • The Secured Self Visa Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa® credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

$100
Credit Limit
Security Deposit:
$100
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Your next tool for building credit!
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 4.3

  • Click "APPLY ONLINE" to apply now
  • 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 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone

our choice

Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.99% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months

our choice

Rating 3.9

  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
  • View Product Disclosures

our choice

0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0

our choice

Rating 4.1

  • To apply for Credit Builder, you must have an active Chime® Checking Account.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • Chime is a financial technology company, not a bank. 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.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • *Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0%
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.

our choice

Rating 4.1

  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. 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
  • Get free monthly access to your FICO score in our mobile application
  • 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
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

our choice

Up to
10%
Cash Back
Max. Rewards:
New feature! Earn up to 10% cash back on everyday purchases
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Credit Line Increase:
Get considered for a credit line increase after 6 months, with no additional deposit required
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
25.14% (variable)
Annual Fee:
$35

our choice

Rating 3.8

  • Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
  • Secure your credit line with your refundable security deposit – choose from $200 - $2,000. With the ability to increase up to $5,000 over time!
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Designed to push you forward on your credit building journey with $0 Annual Fee.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, 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.
  • *See Important Disclosures for complete offer details

our choice

Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Credit Line from
$200
Security Deposit:
Secure your credit line with your refundable security deposit – choose from $200 - $2,000.
Credit Line:
$200 - $2,000
Credit Line Increase:
The ability to increase up to $5,000 over time!
$0
Annual Fee
Annual Fee:
$0.00
Foreign Transaction Fee:
3%
Late Payment Fee:
Up to $41.00

our choice

Rating 3.2

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

our choice

Credit Line
Increase
Available
Security Deposit:
$200
Credit Line:
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Credit Line Increase:
Increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Rebuild Your Credit
Build Credit:
Yes
Card Category:
Secured
Credit Bureau Reporting:
Yes
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Mastercard® is Accepted
Credit Check:
Yes

our choice

Rating 3.8

  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today!1
  • 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.

our choice

Earn
1%
Cash Back
Max. Rewards:
Earn 1% Cash Back Rewards with First Progress Prestige!
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Accepted wherever Mastercard® is accepted
Credit Check:
No
Build Your Credit
Build Credit:
Yes
Credit Line:
Apply now and fund your security deposit over 90 days with the option to make partial payments.
Card Usage:
Accepted wherever Mastercard® is accepted

our choice

Rating 3.8

  • Get a First Progress Select Card and Earn 1% Cash Back Rewards!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
  • 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.

our choice

Earn
1%
Cash Back
Max. Rewards:
Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Credit Line from
$200
Security Deposit:
Up to $2,000 (subject to credit approval).
Credit Line:
Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
Credit Line Increase:
See terms*
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Accepted wherever Mastercard® is accepted
Credit Check:
No
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
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