Best Credit Cards for Building Credit

Earn unlimited 1.5% cash back on every purchase, every day

No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple

Be automatically considered for a higher credit line in as little as 6 months

Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges

Help strengthen your credit for the future with responsible card use

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel

Monitor your credit score with CreditWise from Capital One. It's free for everyone

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

Top rated mobile app

Earn up to 10% cash back on everyday purchases

No credit check required – 89% approval rate with zero credit risk to apply!

Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months

Track your progress with free access to your FICO® score in our mobile app

Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion

Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay

Start with just $200—secure your credit line with a refundable deposit

Fast and easy application—apply in minutes with our mobile-first experience

Flexible payment options—pick a due date that works for you

More time to fund—spread your security deposit over 60 days with layaway

Join 2 million+ cardholders who have used opensky® to build better credit!