Credit cards for building credit
Secured, student and starter cards for people with little or no credit history, or rebuilding after a rough patch. No annual fee first. Paying in full every month is what builds the score.
Estimate based on your answers, not a credit check. Approval is up to the issuer. Advertiser disclosureHow lemonope makes moneylemonope is free to use. If you click an Apply link and apply, or are approved, the card issuer or an affiliate partner may pay us. The amount differs from card to card.That never changes your approval odds, the order cards are shown in, or which cards we show. We never sell your personal information.Approval odds are estimates, not guarantees. The issuer decides. Card terms change often, so check the issuer's site before applying. We do not list every card on the market.Read the full disclosure · Sorted by the card's own published terms, never by what an issuer pays.
26 cards · Answer 6 quick questions to see your approval odds
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U.S. BankU.S. Bank Cash+ Secured VisaSecured · 
5% two categories you choose (first $2,000/quarter combined), 2% one everyday category you choose, 1% else; 5% prepaid travel via U.S. Bank Travel Center; deposit
- Annual fee
- No fee
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U.S. BankU.S. Bank Altitude Go Secured VisaSecured ·
4x dining (first $2,000/quarter), 2x grocery/gas/EV charging/streaming, 1x else; deposit
- Annual fee
- No fee
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Mission LaneMission Lane Visa (Gold Line, Silver Line, Green Line, Secured)Credit building ·
Gold Line: 3% gas/travel/dining, 1% else; Silver Line: 1.5% everything; also Green Line and Secured
- Annual fee
- No fee
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Capital OneCapital One Savor Student Cash RewardsStudent · 
3% dining, entertainment, streaming & grocery, 1% else
- Annual fee
- No fee
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $50 cash bonus
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DiscoverDiscover it Secured Cash BackSecured
5% rotating quarterly categories (up to the quarterly max, activate), 1% else; Cashback Match first year; deposit from $49 for a $200+ line
- Annual fee
- No fee
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DiscoverDiscover it Student Cash BackStudent
5% rotating categories, 1% else; Cashback Match
- Annual fee
- No fee
- Intro APR
- 0% for 6 months on purchases
- Regular APR
- 16.74%–25.74% variable
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Capital OneCapital One Quicksilver Student Cash RewardsStudent ·
1.5% cash back on every purchase
- Annual fee
- No fee
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $50 cash bonus
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Bank of AmericaBank of America Travel Rewards for StudentsStudent ·
1.5 points per $1, no foreign fees
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 17.74%–27.74% variable
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Bank of AmericaBank of America Travel Rewards SecuredSecured ·
1.5 points per $1; deposit from $200
- Annual fee
- No fee
- Regular APR
- 27.74% variable
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Bank of AmericaBank of America Unlimited Cash Rewards for StudentsStudent ·
1.5% on all purchases
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 17.74%–27.74% variable
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Bank of AmericaBank of America Unlimited Cash Rewards SecuredSecured ·
1.5% on everything; deposit from $200
- Annual fee
- No fee
- Regular APR
- 27.74% variable
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Capital OneCapital One Quicksilver Secured Cash RewardsSecured ·
1.5% cash back; refundable deposit from $200
- Annual fee
- No fee
- Regular APR
- 29.24% variable
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ChaseChase Freedom RiseStudent ·
1.5% cash back on everything
- Annual fee
- No fee
- Regular APR
- 18.49%–27.99% variable
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DiscoverDiscover it Student ChromeStudent
2% gas & restaurants, 1% else; Cashback Match
- Annual fee
- No fee
- Intro APR
- 0% for 6 months on purchases
- Regular APR
- 16.74%–25.74% variable
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PetalPetal 2 VisaCredit building ·
1–1.5% cash back; no fees; uses banking history
- Annual fee
- No fee
- Regular APR
- 28.24%–30.24% variable
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Navy Federal Credit UnionNavy Federal cashRewards SecuredSecured ·
1% cash back on all purchases; secured by a savings deposit
- Annual fee
- No fee
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Bank of AmericaBank of America Customized Cash Rewards for StudentsStudent ·
3% choice category, 2% grocery, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 17.74%–27.74% variable
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Bank of AmericaBank of America Customized Cash Rewards SecuredSecured ·
3% choice category, 2% grocery & wholesale clubs (first $2,500/quarter combined), 1% else; deposit from $200
- Annual fee
- No fee
- Regular APR
- 27.74% variable
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Bank of AmericaBankAmericard for StudentsStudent ·
No rewards; intro APR
- Annual fee
- No fee
- Intro APR
- 0% for 21 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 15.24%–26.24% variable
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Bank of AmericaBankAmericard SecuredSecured ·
No rewards; deposit from $200
- Annual fee
- No fee
- Regular APR
- 26.24% variable
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Capital OneCapital One Platinum Credit CardCredit building ·
No rewards; automatic credit-line reviews
- Annual fee
- No fee
- Regular APR
- 29.24% variable
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Capital OneCapital One Platinum Secured Credit CardSecured ·
No rewards; deposit of $49, $99 or $200
- Annual fee
- No fee
- Regular APR
- 29.24% variable
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CitiCiti Secured MastercardSecured ·
No rewards; deposit from $200
- Annual fee
- No fee
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U.S. BankU.S. Bank Secured VisaSecured ·
No rewards; deposit from $300
- Annual fee
- No fee
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