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March 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.

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  • Cards of March 2024
  • Secured Cards
  • Unsecured Cards
  • Credit Builder Account
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide

our choice

Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
Instant Response
Yes
  • 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 and Experian

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
  • 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 loads or 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.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • 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.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.
  • 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 agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.0

APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Regular APR
30.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

Apply for Sezzle Card - Credit-Land.com

Rating 4.4

APPLY NOW

Any Credit

our choice

Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
Yes
  • Pay for your purchases in 4 installments over 6 weeks with 0% interest or choose to pay monthly.
  • Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!
  • Pay in 4 and Build Credit.304
  • Activate the Sezzle Virtual Card and start paying with select retailers online and in-store.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for Cushion - Credit-Land.com

Rating 4.6

APPLY NOW

Any Credit

our choice

Card Type
Virtual Card
Activation Fee
$0
Maintenance Fee
$4.99 to $12.99
Credit Check
No
Instant Response
Yes
  • Cushion offers the only solution to automatically manage, pay, and build credit – with both your existing bills and Buy Now Pay Later (Affirm, Klarna, Afterpay, etc.) payments – all within a single app.
  • Build credit on the bills and BNPL payments that you're already making.
  • Using the Cushion card ensures your bills and BNPL payments are made on time and hassle-free.
  • No deposit required.
  • No interest or extra charges.
  • The card is generally accepted everywhere Mastercard is accepted.
  • Please refer to Cushion Card’s Terms of Services and Cardholder Agreement for additional details.

our choice

Activation Fee: $0

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One Platinum Secured Credit Card - Credit-Land.com

Rating 3.8

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
30.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Destiny Mastercard<sup>®</sup> - Credit-Land.com

Rating 3.4

APPLY NOW

Poor to Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
30.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Annual Fee: $0

Rewards

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

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

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

our choice

Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Everyone deserves a chance to build** credit: apply today!
  • 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.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Boost Your Score - Credit-Land.com

Rating 4.2

APPLY NOW

Any Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
$850
Minimum Loan Amount
$300
Employment Required
Yes
Instant Response
No
  • Credit Boosting Made Easy.
  • No hard credit pull.
  • Positive credit reporting with every payment.
  • Secured credit card after your 4th payment.
  • Payment amounts are yours to keep, minus interest and fees.
  • Easy. Smart. Automatic.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Loans up to $850

Apply for Self - Credit Builder Account - Credit-Land.com

Rating 4.4

APPLY NOW

Limited / No Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
No
  • 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, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing

our choice

Reporting to the Major Consumer Reporting Agencies

No Employment Required

Apply for Extra Card - Credit-Land.com

Rating 4.2

APPLY NOW

All Credit Types Considered

our choice

Card Type
Debit
Activation Fee
$0
Maintenance Fee
See terms
Credit Check
No
Instant Response
Yes
  • Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.1
  • No interest. No credit checks. No deposit required.
  • Track your spending & credit score—follow your progress with Credit Journey on the Extra App
  • Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store1
  • Use your bank—keep your money where you want, while spending smarter with Extra.1
  • 1The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

our choice

Activation Fee: $0

Overdraft available

Overdraft Fee:
See terms

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Apply for Milestone® Mastercard® - Credit-Land.com

Rating 3.4

APPLY NOW

Fair / Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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 decision

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
Yes
  • Build credit & Earn rewards.
  • Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
  • Track your credit score every month.
  • Learn with courses and pick up useful skills.
  • Earn 1% back on loan offers. Up to $1,225.
  • 0% APR / $0 fees. Instant approval. No credit check.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for The Self Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 3.4

APPLY NOW

Limited / No Credit

our choice

Regular APR
29.24% (Variable)
Annual Fee
$25
Credit Check
No
Credit Bureau Reporting
Yes
  • Your next tool for building credit!
  • The 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Your next tool for building credit!

our choice

Regular APR
15.24% (V)
Annual Fee
$49
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Merrick Bank Secured Credit Card - Credit-Land.com

Rating 3.2

APPLY NOW

See website for Details*

our choice

Regular APR
22.70% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

SHOW MORE CARDS
Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide
Apply for Capital One Platinum Secured Credit Card - Credit-Land.com

Rating 3.8

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
30.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
  • 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 loads or 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.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • 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.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.
  • 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 agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
19.24% (V)
Annual Fee
$39.00
Credit Check
No
Credit Bureau Reporting
Yes
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2,000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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

Rewards

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for The Self Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 3.4

APPLY NOW

Limited / No Credit

our choice

Regular APR
29.24% (Variable)
Annual Fee
$25
Credit Check
No
Credit Bureau Reporting
Yes
  • Your next tool for building credit!
  • The 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Your next tool for building credit!

Apply for Merrick Bank Secured Credit Card - Credit-Land.com

Rating 3.2

APPLY NOW

See website for Details*

our choice

Regular APR
22.70% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Regular APR
25.64% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureau Reporting
Yes
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
30.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Annual Fee: $0

Rewards

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

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

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

our choice

Regular APR
25.24% (V)
Annual Fee
$29
Credit Check
No
Credit Bureau Reporting
Yes
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Regular APR
19.24% (V)
Annual Fee
$39
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Regular APR
15.24% (V)
Annual Fee
$49
Credit Check
No
Credit Bureau Reporting
Yes
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide
Apply for Surge® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY NOW

Bad, Fair, Good, Excellent Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
$75 - $125, after that $99 - $125 annually
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Destiny Mastercard<sup>®</sup> - Credit-Land.com

Rating 3.4

APPLY NOW

Poor to Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Milestone® Mastercard® - Credit-Land.com

Rating 3.4

APPLY NOW

Fair / Good Credit

our choice

Regular APR
See terms
Annual Fee
See terms
Credit Check
Yes
Credit Bureau Reporting
Yes
  • 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 decision

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Reflex® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY NOW

Fair/Poor/Bad/Limited Credit

our choice

Regular APR
29.99% (Variable)
Annual Fee
See Terms*
Credit Check
Yes
Credit Bureau Reporting
Yes
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Regular APR
Annual Fee
Credit Check
Credit Bureau Reporting
Hide

our choice

Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
Instant Response
Yes
  • 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 and Experian

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
  • 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 loads or 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.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • 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.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.
  • 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 agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

our choice

Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
Yes
  • Build credit & Earn rewards.
  • Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
  • Track your credit score every month.
  • Learn with courses and pick up useful skills.
  • Earn 1% back on loan offers. Up to $1,225.
  • 0% APR / $0 fees. Instant approval. No credit check.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for Self - Credit Builder Account - Credit-Land.com

Rating 4.4

APPLY NOW

Limited / No Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Instant Response
No
  • 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, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing

our choice

Reporting to the Major Consumer Reporting Agencies

No Employment Required

Apply for Brigit - Credit-Land.com

Rating 4.5

APPLY NOW

Any Credit

our choice

Checking Account Required
Yes
Maximum Loan Amount
$250
Minimum Loan Amount
See terms
Employment Required
Yes
Instant Response
No
  • Get up to $250 quickly.277
  • Start building your credit today.278
  • It only takes 2 minutes.
  • Stay on top of your credit and identity.
  • No credit check required. No interest.279
  • Real-time alerts.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Loans up to $250

our choice

Regular APR
0%
Annual Fee
See terms
Credit Check
No
Credit Bureau Reporting
Yes
  • A better credit score can get you approved for the credit card you want!
  • Improve credit building factors that make up 80% of your score.
  • Start building your score for just $0.99 and get your FREE credit score.
  • StellarFi is a credit building account, not a credit card.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Build Credit

A better credit score can get you approved for the credit card you want!

fix credit! NO TIME
TO GET DESPERATE!

Despite the fact that you are drowning in debt and thinking that you completely and utterly ruined your credit history, there is still a credit builder card you can apply for. In fact there are several options to rebuild bad credit. They are:

  • Secured cards:
  • These cards give you a line of credit on the condition that you put down a deposit to act as collateral. That protects the lender in case you default. The deposit is usually equal to the line of credit you will be granted. Most secured cards report to credit bureaus, so your regular payments and good use of the card will help your credit history go up. Just make sure the secured card you choose reports to credit bureaus - and beware of high fees. Choose a card that charges reasonable fees.

  • Becoming an authorized user on another account:
  • Think of it like getting someone to cosign a loan for you. If you have a family member who is willing to apply for a credit card and add you as an authorized user, your careful and responsible use of that card can help your credit history. This is known as "piggybacking", and it's a legitimate way that many people give their credit a lift when they get stuck with a low credit history.

  • Co-branded or shopping credit cards:
  • Constantly shopping on line you probably thought about getting a credit line from your favorite or one of the popular retailers. Rebuilding credit with shopping credit cards is as real as ground under your feet. Wise and responsible credit use can help when it comes to credit repair. So applying for a shopping credit card to rebuild credit can be a good choice.

  • Prepaid cards:
  • Although these cards do not help your credit get better, they are a good option if you cannot get another type of credit card due to damaged credit. They offer the convenience of a credit card but are available to anyone - no credit check is needed. Use a prepaid card while you get back on your feet financially for those situations where you really need to pay for purchases with a card.

Small purchases, on-time payments, responsible use

Rebuilding credit takes patience and diligence. The key is to find the card that works for you and use it carefully and responsibly. That means doing a few things over several months or years, depending on how damaged your credit is. Make small purchases and pay off your balance on time to be more creditworthy.

Making small purchases means not spending more than you can easily pay off each month. If you get a secured card or get a card as an authorized user - you do need to use the card to make purchases to fix your credit history. Avoid the temptation to make purchases you cannot afford to pay off.

Always make payments on time - this is very important when you are repairing credit. It is a good idea to set up automatic payments so you never miss a due date. Depending on the card you use, you can also often set up text and email alerts so you know when a payment is due.

Using your card responsibly means staying under the credit limit and abiding by the credit card agreement. In time your credit history will bounce back and reflect your responsible use of credit. Credit card issuers will see that you are a good risk and that you are very likely to pay your debt.

Once you raise credit history, you will be eligible for lower rates, more rewards, and different credit cards. But you do have options to repair your credit, so take advantage of the one for you now.

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questionsABOUT CREDIT CARDS
TO REBUILD CREDIT

Does the Chime® Credit Builder Visa® Credit Card act like a traditional credit card? What would be my credit limit for the card?

The Chime Secured Credit Builder Visa® Credit Card is a secured card linked to a Credit Builder Secured Account. It works just like a regular credit card in that you can use it to buy gas, groceries, or household goods anywhere Visa...

Read more
My credit score is poor. Which credit card will raise my credit scores quickly?

First of all, note that improving your credit score is not a quick process. It may take up to a couple of years to turn bad credit into good credit. But if you want to improve your credit score faster, keep your credit...

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Will I build credit with a store credit card?

You will be able to build your credit using a store credit card. To be able to build your credit you should first of all make sure the store card you want to apply for is reported to the major credit bureaus. Luckily,...

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