Best Cards for Building Credit

Earn a $25 bonus when you spend $100 in your first 30 days. See terms.

Earn unlimited 5% cashback rewards at grocery stores.

You control your spending power. Your Smart Card spending limit is set by your SoFi Checking and Savings balance.

Grow your credit score with on-time payment.

No annual fee.

$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

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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