These Credit Cards Help You Build Your Credit

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RESOURCES TO HELP BUILD YOUR CREDIT

Building your credit takes time but knowing the right and best resources is a big help. The credit card products on this page can help you build, rebuild, or reestablish your credit history.

Fast Credit Building Tip

Once you have established credit, if you want to build a good credit score you will need to make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Unsecured Credit Card For People Wanting to Rebuild Their Credit

This is an unsecured credit card that caters to people with bad credit who want the opportunity to rebuild their credit score.

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Credit One Bank® Platinum Visa®

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score

*See Card Terms & Conditions for Details

 

Credit One Bank® Unsecured Platinum Visa®

  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We’ll let you know as soon as you’re eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that’s right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card—not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low

*See Card Terms & Conditions for Details

 

Credit One Bank® Visa® Credit Card with 1% Cash Back

  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score

*See Card Terms & Conditions for Details

GUARANTEED APPROVAL CATALOG CARD

These are great credit builders. You get a line of credit that you can use to buy merchandise from their catalog. They will usually report your line of credit to the credit bureaus and even though you can only buy things from their catalog, when you see the line of credit on your credit report it just looks like an unsecured credit card!

 

HORIZON GOLD

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.

  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK

DEBIT CARDS WITH CREDIT BUILDERS

Debit cards are a great way to start your credit building journey. We have listed debit cards that offer the credit building function, meaning they will report to the credit bureaus and some even give you access to your credit report every month. Debit cards are also a great way to stay on budget! Just set a budget and load that amount to the card. its a great way for you to build credit and your savings account at the same time!

READYdebit® Visa Select Sunset Prepaid Card

  • Instant Account Number – A Great Card for your Money.
  • Free* Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color – Blue or Pink

*See Program Rules

 

 

SECURED CREDIT CARDS

These are the oldest form of credit builder out there! People have been using secured credit cards for years as the starting point to building credit. They are great for college students to show them how to manage credit for the first time and they are great for the person with bad credit to start rebuilding. My best friend used a secured credit card about a year after a nasty divorce and bankruptcy. After 1 year of on time payments they made her secured card unsecured! Guaranteed approval and you set your credit limit by the amount of security you put down.

 

FIRST PROGRESS PLATINUM SELECT MASTERCARD(R) SECURED CREDIT CARD

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  •  24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms.

Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button you can review the credit card terms and conditions on the credit card issuer’s web site.

MONITOR YOUR CREDIT SCORE

As you start building your credit its important to utilize a credit monitoring system. Not only will it protect you from identity theft byt your will also have a monthly record of all your credit building activities. If you are rebuilding after having bad credit, visually seeing your credit score improve can be very motivating!

TOP 5 CREDIT BUILDING ARTICLES

Need addition help building your credit score? Here are 10 articles I’ve hand picked from our blog to help you on your credit journey! Feel free to live comments on the blog!

  1. Valuable Tips For Choosing The Best Credit Repair Company
  2. 5 Ways to Fix Your Credit Score
  3. 4 Factors To Consider Before Applying For A Secured Credit Card
  4. Secured Credit Cards – The Best Way To Start Building Credit
  5. Build Trust and Get A Personal Loan For People With Bad Credit

 


 

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