Credit Building & Credit Cards
Whether you're building credit from scratch, repairing past mistakes, or looking for better rewards — we'll help you find the right fit.
Credit Building Cards
Perfect if you're new to credit or rebuilding after past issues. These cards help establish a positive payment history.
Secured Credit Card
Build credit with a refundable security deposit. Reports to all 3 bureaus monthly.
- $200 minimum deposit
- Upgrade path to unsecured
- Free credit score access
On issuer's secure site
Student Credit Card
Designed for college students with limited credit history. Cash back on purchases.
- 1% cash back on all purchases
- No annual fee
- Good grade rewards
On issuer's secure site
Credit Builder Loan
Not a card — a small loan that builds credit while you save. Unique approach.
- No credit check to apply
- Build savings while building credit
- Reports to all 3 bureaus
On partner's secure site
Cash Back Cards
Earn money back on everyday purchases. Best for people who pay their balance in full each month.
Flat-Rate Cash Back
Simple 2% cash back on everything. No categories to track, no caps.
- 2% on all purchases
- No annual fee
- $200 welcome bonus
On issuer's secure site
Rotating Categories
5% back on rotating quarterly categories. Great if you're willing to track.
- 5% on quarterly categories
- 1% on everything else
- No annual fee
On issuer's secure site
Grocery & Gas Rewards
Higher rewards on everyday essentials. Perfect for families.
- 3% on groceries & gas
- 2% on dining
- $95 annual fee
On issuer's secure site
Travel Rewards Cards
Earn points or miles toward flights, hotels, and more. Best for frequent travelers with good credit.
Flexible Points Card
Transfer points to 15+ airline and hotel partners. Maximum flexibility.
- 3x on travel & dining
- 60,000 point bonus
- $95 annual fee
On issuer's secure site
No-Fee Travel Card
Earn travel rewards without an annual fee. Great starter travel card.
- 1.5x on all purchases
- No foreign transaction fees
- No annual fee
On issuer's secure site
Balance Transfer Cards
Move existing debt to a card with 0% intro APR. Pay down principal faster without interest charges.
Long 0% Intro APR
21 months to pay down your balance with no interest. One of the longest offers available.
- 0% APR for 21 months
- 3% balance transfer fee
- Good credit required
On issuer's secure site
No Balance Transfer Fee
Skip the 3-5% fee other cards charge. Shorter 0% period but more savings upfront.
- 0% APR for 15 months
- $0 balance transfer fee
- Transfer within 60 days
On issuer's secure site
Credit Card Tips
✓ Pay on time, every time
Payment history is 35% of your credit score. Set up autopay for at least the minimum.
✓ Keep utilization under 30%
Using less than 30% of your credit limit helps your score. Under 10% is even better.
✓ Don't close old cards
Length of credit history matters. Keep old accounts open even if you don't use them.
✓ Check for pre-qualification
Many issuers let you check if you're pre-qualified without a hard credit pull.
Not Sure Which Card is Right?
Take our 2-minute quiz and get personalized recommendations.
Take the Quiz