Best Cards for Building Credit

$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

With no credit check or prior credit required, anyone can start building credit. Fund your card with a minimum security deposit of $100 and use it anywhere Visa® is accepted in the U.S. Build credit by making on-time payments and maintaining a low credit utilization ratio. Every on-time payment helps build credit history.

If you don’t have the $100 security deposit today, consider a Credit Builder Account² starting at $25 a month⁴. Consistent, on-time payments help you build credit and build savings to secure The secured Self Visa® Credit Card³.

¹The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

²Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

³Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.

⁴$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing

Start building credit with just $150 – secure you line with a low, refundable security deposit

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

Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter

Earn up to 10% cash back on everyday purchases

Affordable payments – minimum payment as low as $10

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

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

No annual or hidden fees. See if you're approved in seconds

Building your credit? Using the Capital One Platinum Secured card responsibly could help

Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line

You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time

Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed

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

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

Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

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