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Build Credit Cards

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Building credit is easier said than done, especially since many credit card issuers don’t want to offer cards to consumers who do not have credit. However, there are card issuers that can help. There are a variety of credit card programs designed to help you build your credit and increase your credit score. Not only are these issued by some of the top rated credit providers, but they come equipped with competitive APRs, no or low annual fees, and plenty of benefits to make your life easier.

Self Credit Builder + Credit Card Combo

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee One Time $9 - $15 Account Fee (Varies by Product)

Credit Recommended No Credit History

Regular Purchase APR 12.03% - 15.98% (Varies by Product)

Full Details Card Page

Highlights

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you’ve built credit history and your CD savings unlocks

Additional Info

  • Balance Transfers Intro APR: N/A
  • Purchases Intro APR: N/A
  • Regular APR: 12.03% – 15.98% (Varies by Product)
  • Annual Fee: One Time $9 – $15 Account Fee (Varies by Product)

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 12.03% – 15.98% (Varies by Product)
Annual Fee One Time $9 – $15 Account Fee (Varies by Product)
Credit Recommended No Credit History
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

GO2bank

Overdraft protection up to $200 with opt-in and eligible direct deposit*

Intro Purchase APR n/a

Intro Balance Transfer APR 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.

Additional Info

  • Overdraft Protection: up to $200 with opt-in and eligible direct deposits
  • Activation Fee: $0
  • Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
  • Direct Deposit Fee: $0
  • ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
  • Credit Recommended: All Credit Types Considered
  • Reports to Consumer Reporting Agencies: See more on Go2bank site
  • Number of Bureaus: 3

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR n/a
Annual Fee $0.00
Credit Recommended All Credit Types Considered
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Arro Card

All credit types accepted

Intro Purchase APR n/a

Intro Balance Transfer APR 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.

Additional Info

  • Regular APR: 16% Variable
  • Credit Recommended: All Credit Types Accepted
  • Card Brand: Mastercard®
  • Monthly Fee: $3/month; $1/month for the 1st year
  • Late Payment Fee: $10
  • Return Payment Fee: None

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 16% Variable
Annual Fee $3/month; $1/month for the 1st year
Credit Recommended All Credit Types Accepted
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee $10.00
Overlimit Fee n/a
Return Check Fee None
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Dave

Get up to $500 instantly (1) with ExtraCash™ from Dave

Intro Purchase APR See Terms

Intro Balance Transfer APR See Terms

Annual Fee See Terms

Credit Recommended Any Credit History

Regular Purchase APR See Terms

Full Details Card Page

Highlights

Dave.com – Bank, Budget, Build Credit & Find Work

If you need cash in a hurry, and you qualify, Dave can spot you up to $500. Buy gas or groceries. Pay bills or rent. No credit check and no interest!

Get up to $500 instantly (1) with ExtraCash™ from Dave. There’s no interest, credit check, or late fees. With a Dave Spending account, you can also get your paychecks up to two days earlier (2).

Earn cash back with Dave Rewards (3), save money with Dave Goals, and ​​if you want to make more money, Dave can help there too! With Side Hustle, you can easily find and apply for side jobs and get that cash.

Join millions of people building a better financial future with Dave!

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Additional Info

ADVANCE UP TO $500 INSTANTLY (1)

Dave’s ExtraCash™ advance can now get you more funds than ever—up to $500! (1) That’s more money to fill your tank, tackle your to-do list, or take advantage of a now-or-never opportunity.

For more information, please visit dave.com/extra-cash-account

SPEND IT INSTANTLY (1)

The money is yours to spend right away with your Dave Debit Mastercard®. Unlike other apps, there’s no waiting period or lengthy application process—which means no more missing out because of a low balance.

ENJOY EARLY PAYDAYS (2)

Get paid up to two days early when you set up direct deposit into a Dave Spending account!

EARN CASH BACK WITH DAVE REWARDS (3)

Want cash back on your everyday spending? Dave Rewards makes it simple. Just swipe your Dave Debit Mastercard®—now loaded with cashback offers from big name retailers.

SAVE WITH GOALS

Put cash toward anything you’re saving for—a trip, emergency fund, student loans, and more.

FIND A SIDE HUSTLE

If you want to earn more money, Dave can help! Apply for side jobs that fit your lifestyle.

Membership is $1 per month to access our account monitoring, notification services, budgeting and to maintain a connection to your external bank account.

(1) ExtraCash™ is a DDA account with overdraft utility, advances are subject to eligibility requirements and identity verification. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. Average approved advance is $120 as of October 10, 2022. See dave.com/extra-cash for more details.

(2) Early Payday: Early access to direct deposit funds depends on the timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.

(3) Rewards are not offered by Evolve Bank & Trust, but instead are offered and managed by Dave, Inc in partnership with Figg.

Dave is a Mark Cuban company. https://markcubancompanies.com/

Specifications

Intro (Purchases) See Terms
Intro (Transfers) See Terms
Regular APR See Terms
Annual Fee See Terms
Credit Recommended Any Credit History
Cash Advance APR See Terms
Cash Advance Fee See Terms
Cash Grace Period See Terms
Late Payment Fee See Terms
Overlimit Fee See Terms
Return Check Fee See Terms
Foreign Transaction Fee See Terms
Balance Transfer Fee See Terms

Grow Credit

Start building your credit today!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Poor to Excellent

Regular Purchase APR 0.00%

Full Details Card Page

Highlights

Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit.

  • Connect a bank account to apply for a Grow Credit interest-free Mastercard.
  • Signing up is easy and completely free.
  • Use your Grow Credit Mastercard to pay for your existing subscriptions or browse for new ones.
  • Just sit back, relax and watch your credit score grow!

Additional Info

  • Annual fee : $0
  • Rewards rate: None
  • Bonus offer : None
  • Intro APR : N/A
  • Ongoing APR : None
  • Foreign transaction fee : None

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee 0.00
Credit Recommended Poor to Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Kovo Credit Builder

Give yourself the gift of better credit

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0%

Credit Recommended Any Credit History

Regular Purchase APR 0%

Full Details Card Page

Highlights

Kovo makes credit simple and accessible for everyone. Everyone deserves the chance to build their credit, and our easy-to-use platform makes it quick for you to get started. With Kovo Credit Builder, you can give yourself the gift of better credit. We’re here to help you on your journey to financial freedom!

Sign up to Kovo Credit Builder and build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% back on loans!

  •   Your payment performance is reported monthly to Experian®, Equifax®, Innovise, and MicroBilt®.
  •   Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
  •   Lower your monthly interest payments when you have a higher credit score.
  •   Better credit makes owning a car and home possible, with higher odds for approval.
  •   Get your FICO® Score and see your credit score journey progress every month.

Additional Info

  • Build with Installments: pay $10/month over 24 months.
  • Learn with Courses: pick up useful skills.
  • Earn with Rewards: up to 1% back on eligible loan offers.

Key Features

  •   Flat monthly rate
  •   Instant approval
  •   No credit check / no hard pull
  •   No bank account needed
  •   $0 security deposit
  •   $0 setup/admin fees
  •   $0 annual fees
  •   $0 late fees
  •   $0 prepayment fees
  •   0% APR
  •   Available in all 50 states

To Qualify

  • Must be at least 18 years of age
  • Must have a valid U.S. Social Security Number

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 0%
Annual Fee 0%
Credit Recommended Any Credit History
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee $0.00
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

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Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).