Finances
5 best credit cards to build credit
If you're looking for the best way to start your credit, look no further than our list of the top credit cards to build credit score.
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Start building your credit for a better financial future
Are you looking to build your credit history? Look no further – we’ve compiled a list of the best credit cards to build credit.
How to build credit to buy a house: 10 best tips
Creating your strategy is key, but some steps you can take will immediately impact your score if you want to know how to build credit to buy a house. Keep reading!
So you can get on the path toward financial success! Don’t wait longer – start building an impressive record today. Read on and learn how!
Compare the best credit cards to build credit: 5 options
Credit cards are a great way to help you establish and increase your credit score. With so many different options, narrowing down which is the best for you can be overwhelming.
But don’t worry. We are here to help! Below, check out the five excellent options that will help you raise your credit in no time.
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1. Petal® 2 “Cash Back, No Fees” Visa® Credit Card
This card has no annual or foreign transaction fees, so it’s great for those who want to travel abroad without worrying about a high bill when they get home.
It also offers cashback rewards, making it an excellent choice for building up your credit score without draining your bank account.
- Credit Score: 630-850 (Average – Excellent);
- Annual Fee: No annual fee;
- Regular APR: 17.24% – 31.24%;
- Welcome bonus: No welcome bonus;
- Rewards: 1% cash back on eligible purchases, up to 1,5% cash back when cardholders pay on time.
How to apply for Petal 2 Visa Credit Card
Do you know how to apply for the new Petal 2 "Cash Back, No Fees" Visa Credit Card? Read our step-by-step guide on how to go through the process.
2. Discover it® Secured Credit Card
This card requires a refundable security deposit of at least $200, but in exchange, you get access to Discover’s rewards program and other perks like free FICO scores and fraud protection.
It also comes with up to 2% cash back on eligible purchases, so you can use it to make purchases and build your score while earning rewards.
- Credit Score: No credit score is required;
- Annual Fee: No annual fee;
- Regular APR: A variable 27.24% APR;
- Welcome bonus: No welcome bonus;
- Rewards: 2% cash back at gas stations and restaurants (up to $1K) in combined purchases each quarter. Plus, 1% cash back on all other purchases.
How do you get the Discover it® Secured card?
The Discover it® Secured credit card will amaze you with its benefits, cash back in every purchase, and no annual fee. If that's what you look for, learn how to apply!
3. Capital One Platinum Credit Card
Capital One’s Platinum Credit Card is designed for people who have begun building up their credit score but still need some help getting it where it needs to be.
The APR is 26,99% depending on your credit score, and there is no annual fee, making this an affordable option for anyone looking to build their score.
- Credit Score: Average credit score
- Annual Fee: $0
- Regular APR: 26.99% variable APR on purchases
- Welcome bonus: not applied
- Rewards: not applied
How to apply for Capital One Platinum Credit Card
Learn how to apply for The Capital One Platinum Credit Card online and quickly. Keep reading to understand if you are eligible!
4. Capital One Quicksilver Secured Cash Rewards Credit Card
If you’re looking for a secured card with cashback rewards, then Capital One’s Quicksilver Secured Cash Rewards Credit Card might be right up your alley.
This card offers up to 1,5% cash back on all purchases. Plus, there are no annual fees or foreign transaction fees!
- Credit Score: Fair;
- Annual Fee: $0;
- Regular APR: 29.74% variable APR on purchases;
- Welcome bonus: Not applied;
- Rewards: Earn unlimited 1.5% cash back on purchases.
Capital One Platinum Secured Credit Card
Learn how to apply for the Capital One Platinum Secured Credit Card and enjoy the benefits of a secured card without an annual fee.
5. Deserve® EDU Mastercard for Students
Students looking to build their credit have their dedicated credit card option with Deserve’s EDU Mastercard.
This card offers 1% unlimited cash back on all purchases. And with Amazon Prime Student included in your membership package? That’s sure to come in handy more than once over the year!
Just remember: make sure all bills are paid on time, or else their late fee could drag down your score – so stay ahead of any due dates. Plus, this card has no annual or foreign transaction fees.
- Credit Score: All types of credit;
- Annual Fee: $0;
- Regular APR: 22.99% variable APR for purchases;
- Welcome bonus: New cardholders can get one year of Amazon Prime Student membership after spending $500 within the first three billing cycles;
- Rewards: Up to 1% cashback.
How to apply for a Deserve® EDU Mastercard?
Learn the step-by-step process to easily apply for a Deserve® EDU Mastercard for Students.
Find out other options: 0% APR cards
Are you looking to save money on credit card interest and fees? 0% APR cards offer a great way to save on interest payments.
Look at some of the most popular 0% APR credit cards and see which fits your needs best.
1. Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card offers an introductory 0% APR period of 18 months for purchases.
- Credit Score: 690-850 (Good – Excellent);
- Annual Fee: $0 annual fee;
- Regular APR: 0% intro APR for 18 months on purchases and eligible qualifying balance transfers. Plus, three months of intro APR extension with a one-time minimum payment in the intro period. After that, the APR will be variable: 17.24% to 29.24%.
- Welcome bonus: No welcome bonuses;
- Rewards: No rewards.
Wells Fargo Reflect® Card application
Want to get the Wells Fargo Reflect® Card? Our post has all you need to apply easily – don't miss it! Enjoy 0% intro APR for up to 21 months!
2. Bank of America® Customized Cash Rewards Credit Card
This card comes with an introductory 0% APR period of 18 billing cycles for purchases and balance transfers, after which the standard variable purchase APR will apply (18.24% – 28.24%).
With this card, you can customize your rewards program and earn up to 3% cash back in any category you choose from a long list of eligible categories, such as travel, dining, home improvement, and more.
- Credit Score: Good;
- Annual Fee: $0;
- Regular APR: 0% for 18 billing cycles, then 18.24% – 28,24% (variable);
- Welcome bonus: $200 online cash rewards bonus;
- Rewards: 3% cash back in a category you choose, 2% cash back for grocery stores and wholesale clubs, and 1% cash back on other purchases.
Taking advantage of 0% APR credit cards can be a great way to save money on interest payments and fees while still reaping the benefits of having access to credit when needed most.
Knowing what type of card is right for your needs is key; luckily, plenty of options cater specifically to those looking for an introductory period free from interest payments.
Be sure to shop around before deciding which one is best for you—you may find one that offers additional features or benefits worth considering.
We can help you with our post about the best 0% APR cards. Keep reading!
Choose your 0% APR card
Select an option below and we will recommend you the best 0% APR card based on your preferences.
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