Card Category: Building Credit

Establishing a good credit history can be challenging, particularly as several credit card companies are reluctant to work with individuals with no credit record. However, we can assist you in navigating this process. Various credit cards are specifically created to assist you in enhancing your credit and elevating your score. These credit cards are issued by leading credit providers and offer competitive APRs, little or no annual fees, and numerous advantages to simplify your life.

the secured Self Visa® Credit Card

No credit check or score required

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $25

  • Credit Recommended

    No Credit, New to Credit, Limited Credit, Bad, Poor

  • Regular Purchase APR

    28.24% Variable

  • Full Details

    Card Page

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

  • The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
  • Use your card anywhere Visa® is accepted in the US.
  • A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
  • Get help staying on track with Autopay and account alerts.
  • Manage your account 24/7 online, by phone, or in our mobile app.
Card Details Page

GO2bank

Get your pay up to 2 days early - Get your government benefits up to 4 days early.*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    0.00

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Card Details Page

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Provider Website

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    See Provider Website

  • Full Details

    Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
Card Details Page

Destiny® Mastercard® with Instant Credit

Instant: Once approved, add your card to your mobile wallet and shop today.

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Poor to Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

  • Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
  • Get the Destiny® Mastercard® in your mobile wallet today.
  • Apply today and shop today!
  • Instant: Once approved, add your card to your mobile wallet and shop today.
  • Easy: We’ll help you add your card to your mobile wallet for instant access.
  • Convenient: Use in-store, online or in-app to shop today.
  • Get started now so you can shop today! – Shop today with Apple Pay® or Google Pay ™
  • Start shopping today in-store, online or in-app using your mobile wallet.
  • Shop today! Don’t wait!
  • Start shopping right away.
  • Get started now so you can shop today!
  • Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
  • Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
  • Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
  • Start shopping today with Destiny Mastercard, apply now!
Card Details Page

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Bad/Poor/Fair

  • Regular Purchase APR

    35.9%

  • Full Details

    Card Page

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.
Card Details Page

Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

  • Card Brand

    MasterCard®

  • Rewards Rate

    See Terms

  • Annual Fee

    Starting at just $6/month for the annual plan

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.

With Ava, you can expect:

  • No hidden fees
  • 0% interest
  • Instant account set up with no credit check
  • $0.00 deposit/collateral required
Card Details Page

Current Build Visa® Credit Card

Credit for everyone - Regardless of your credit history!

  • Card Brand

    Visa®

  • Rewards Rate

    Grow your savings - Earn up to a 4.00% Bonus on Savings Pods

  • Annual Fee

    $0.00

  • Credit Recommended

    No to Good Credit

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • Credit for everyone – Regardless of your credit history!
  • Get paid up to 2 days faster – Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings – Earn up to a 4.00% Bonus on Savings Pods

View Product Disclosures

Card Details Page

Arro Card

All credit types accepted

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $3/month; $1/month for the 1st year

  • Credit Recommended

    All Credit Types Accepted

  • Regular Purchase APR

    16% Variable

  • Full Details

    Card Page

Highlights

  • All credit types accepted.
  • Arro’s soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
Card Details Page

MAGNUM – Credit Builder Account

No credit history needed; no hard check required

  • Card Brand

    Other

  • Rewards Rate

    See Terms

  • Annual Fee

    n/a

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • Get up to a +86 average* FICO® Score increase on autopilot
  • Largest credit builder in the nation
  • Build from $2,000 up to $30,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

Card Details Page

Kikoff

0% APR and No Hidden Fees

  • Card Brand

    MasterCard®

  • Rewards Rate

    See Terms

  • Annual Fee

    $0.00

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A  tradeline from $750 up to $2,500
  • Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Credit building on your terms

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Card Details Page

Upside

Unlock Cash Back with the free Upside App!

  • Card Brand

    Other

  • Rewards Rate

    See Terms

  • Annual Fee

    $0.00

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Upside gets you cash back on daily essentials like gas, groceries, and dining. It’s designed to reward you for simply being yourself, allowing you to indulge in more of what you love. With over 50,000 participating gas stations, grocery stores, and restaurants, cash back opportunities are always just around the corner.

  • Earn rewards every time you shop for gas, groceries, or food with Upside’s highly-rated free app.
  • Claim a cashback offer at a nearby location.
  • Make your purchase using a credit or debit card.
  • Cash out your earnings directly to your bank account, PayPal, or a gift card.
Card Details Page

View All Other Cards

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Excellent Credit

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Poor Credit

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Bad Credit

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Limited Credit

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No Credit