A credit card can be a valuable tool for building your credit score, but with so many options available, it can be hard to know which one to choose. In this article, we'll go over some of the best credit cards for building your credit score, based on factors like credit limit, interest rates, and rewards programs.
1. Discover it Secured Credit Card
The Discover it Secured Credit Card is a great option for those who need to build their credit from scratch. It requires a security deposit, which becomes your credit limit, but it comes with no annual fee and offers cash back rewards. Plus, after eight months of responsible use, Discover will review your account for a potential upgrade to an unsecured card.
2. Capital One Platinum Credit Card
The Capital One Platinum Credit Card is geared towards those with limited or average credit, and it offers a higher credit limit and fewer fees than some other secured credit cards. There's no annual fee, and while there are no rewards associated with this card, it can help you build your credit score over time.
3. Citi Secured Mastercard
The Citi Secured Mastercard is another great option for building credit, as it reports to all three major credit bureaus. It requires a security deposit, but doesn't have an annual fee and offers automatic credit line reviews over time to potentially qualify for an unsecured card. The downside is that it has a higher interest rate than some other secured credit cards.
4. Discover it Student Cash Back
If you're a student looking to build credit, the Discover it Student Cash Back card is a solid choice. It doesn't require a security deposit, has no annual fee, and offers cash back rewards. Plus, if you maintain a 3.0 GPA or higher, you can earn a $20 statement credit every year.
5. Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One QuicksilverOne Cash Rewards Credit Card is designed for those with fair to average credit scores. It does have an annual fee, but it also offers cash back rewards and a higher credit limit than some other credit cards for building credit. Plus, there's no foreign transaction fee, which can be helpful if you plan to travel abroad.
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