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The best credit card to build credit history will depend on your specific financial needs and situation. If you're a student, the Discover it® Student Chrome card may be the best option. If your credit has recently taken a hit and you're looking to rebuild your credit history with responsible use, the Discover it® Secured Credit Card may be the best option for you.

The Discover it® Secured Credit Card requires a refundable security deposit, starting at a minimum of $200, which becomes your credit limit. What's more, the Discover it® Secured Credit Card has a $0 annual fee and gives good rewards on purchases. Plus, secured cards like Discover automatically review your account (after 6-7 months) to upgrade you to an unsecured card and return your deposit.

If you have poor credit or want no credit check to apply, the opensky® Secured Visa® Credit Card is a decent choice, featuring a high approval rate. It requires a refundable security deposit of $200 - $3,000, which determines the credit limit, and reports to all three major credit bureaus. The opensky card comes with the $35 annual fee, but that can be worth paying for the chance to rebuild your credit. After 6 months, opensky automatically reviews your account for potential upgrade eligibility.

Regardless of which card you choose, try to keep your credit utilization low and always pay your balance on time and in full each month to boost your credit score and qualify for traditional credit products later.

tags : Credit Cards Secured Cards Build Credit

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.