Build Credit Cards
Building credit is easier said than done, especially since many credit card issuers don’t want to do 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.
Reflex Mastercard®
See if you’re Pre-Qualified with no impact to your credit score
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Regular Purchase APR See Terms*
Full Details Card Page
Highlights
- Initial Credit Limit of $300 – $750* (subject to available credit)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
Highlights
- Initial Credit Limit of $300 – $750* (subject to available credit)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Jasper Mastercard®
Up to a $5,000 credit limit
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0
Credit Recommended Excellent, Good, Limited
Regular Purchase APR 15.49%-24.99% (Variable)
Full Details Card Page
Highlights
- Earn 1% cash back on every purchase. Terms apply.*
- Up to a $5,000 credit limit
- Unique autopay settings, push notifications, and utilization alerts that help you manage your account and build your credit
- All the benefits of a premium Mastercard
- No annual fee, no security deposit, no foreign transaction fees*
- *See terms and fees: jaspercard.com/disclosures/fees_terms
- Issued by WebBank, Member FDIC
Highlights
- Earn 1% cash back on every purchase. Terms apply.*
- Up to a $5,000 credit limit
- Unique autopay settings, push notifications, and utilization alerts that help you manage your account and build your credit
- All the benefits of a premium Mastercard
- No annual fee, no security deposit, no foreign transaction fees*
- *See terms and fees: jaspercard.com/disclosures/fees_terms
- Issued by WebBank, Member FDIC
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 15.49%-24.99% (Variable) |
| Annual Fee | $0 |
| Credit Recommended | Excellent, Good, Limited |
| Cash Advance APR | 24.99%-29.99% (Variable) |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $27.00 |
| Overlimit Fee | n/a |
| Return Check Fee | Up to $27.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Surge Mastercard® Credit Card
See if you’re Pre-Qualified without impacting your credit score
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Regular Purchase APR See Terms*
Full Details Card Page
Highlights
- Initial Credit Limit of $300 – $750* (subject to available credit)
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
Highlights
- Initial Credit Limit of $300 – $750* (subject to available credit)
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad |
| Cash Advance APR | See Terms* |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Net First Platinum
Instant Approval / $500 Credit Line!
Intro Purchase APR 0.00%
Intro Balance Transfer APR N/A
Annual Fee See website for Details*
Credit Recommended Fair to Damaged
Regular Purchase APR 0.00%
Full Details Card Page
Highlights
- Instant Approval / $500 Credit Line!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Terms & Conditions for Details
Highlights
- Instant Approval / $500 Credit Line!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Terms & Conditions for Details
Specifications
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Fair to Damaged |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Petal® 1 “No Annual Fee” Visa® Credit Card
$500 - $5,000 credit limits
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Fair/Bad/Limited/No Credit
Regular Purchase APR 19.99 - 29.49% Variable
Full Details Card Page
Highlights
- $0 Annual Fee
- 2% – 10% cash back from select merchants
- $500 – $5,000 credit limits
- Variable APRs 19.99 – 29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal’s technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
- Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you’re pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
Highlights
- $0 Annual Fee
- 2% – 10% cash back from select merchants
- $500 – $5,000 credit limits
- Variable APRs 19.99 – 29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal’s technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
- Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you’re pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.99 - 29.49% Variable |
| Annual Fee | 0.00 |
| Credit Recommended | Fair/Bad/Limited/No Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Late fees up to $29 for first late payment, $40 for second late payment. |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Applied Bank® Unsecured Classic Visa® Card
Fast and Easy Application and Approval Process!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee *See Terms
Credit Recommended Poor Credit, Bad Credit
Regular Purchase APR *See Terms
Full Details Card Page
Highlights
- Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
- Reports to All Three Major Credit Bureaus
- Access Additional Credit with On-Time Payments and Responsible Usage
- Fixed APR and Manageable Monthly Payments
- A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
Highlights
- Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
- Reports to All Three Major Credit Bureaus
- Access Additional Credit with On-Time Payments and Responsible Usage
- Fixed APR and Manageable Monthly Payments
- A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | *See Terms |
| Annual Fee | *See Terms |
| Credit Recommended | Poor Credit, Bad Credit |
| Cash Advance APR | *See Terms |
| Cash Advance Fee | *See Terms |
| Cash Grace Period | n/a |
| Late Payment Fee | *See Terms |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | *See Terms |
| Balance Transfer Fee | n/a |
First Access Visa® Card
$300 credit limit (subject to available credit)
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms
Credit Recommended Fair/Bad
Regular Purchase APR See Terms
Full Details Card Page
Highlights
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Highlights
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms |
| Annual Fee | See Terms |
| Credit Recommended | Fair/Bad |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Fair/Bad Credit
Regular Purchase APR See Terms*
Full Details Card Page
Highlights
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
Highlights
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Fair/Bad Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Principal Platinum Card
Instant Approval / $750 Credit Line!
Intro Purchase APR 0.00%
Intro Balance Transfer APR n/a
Annual Fee See website for Details*
Credit Recommended Damaged/Fair
Regular Purchase APR 0.00%
Full Details Card Page
Highlights
- Instant Approval / $750 Credit Line!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
Highlights
- Instant Approval / $750 Credit Line!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
Specifications
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged/Fair |
| 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Freedom Gold Card
$750 Unsecured Credit Limit
Intro Purchase APR 0.00%
Intro Balance Transfer APR n/a
Annual Fee See website for Details*
Credit Recommended Damaged credit to Fair Credit
Regular Purchase APR 0.00%
Full Details Card Page
Highlights
- $750 Unsecured Credit Limit
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Reports to a Major Bureau
- Bad Credit – OK
You are pre-approved for a $750 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.
*See site for details
Highlights
- $750 Unsecured Credit Limit
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Reports to a Major Bureau
- Bad Credit – OK
You are pre-approved for a $750 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.
*See site for details
Specifications
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged credit to Fair Credit |
| 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Zebit – Buy Now & Pay Over Time
No FICO score pulled
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Poor to Good
Regular Purchase APR See website for Details*
Full Details Card Page
Highlights
- Get up $2,500 of credit to shop Zebit.
- No membership fees. No FICO score pulled. Easy and secure online application.
- Buy now and pay over time for electronics, furniture, appliances, toys, jewelry, apparel, eGift cards and more.
- Shop name brands including Apple, Nintendo, Samsung, LG, Fitbit, and more.
- Regular APR: See website for Details*
- Credit Line: Up to $2,500
- Monthly Fee: $0
- Credit Recommended: Poor to Good
Highlights
- Get up $2,500 of credit to shop Zebit.
- No membership fees. No FICO score pulled. Easy and secure online application.
- Buy now and pay over time for electronics, furniture, appliances, toys, jewelry, apparel, eGift cards and more.
- Shop name brands including Apple, Nintendo, Samsung, LG, Fitbit, and more.
- Regular APR: See website for Details*
- Credit Line: Up to $2,500
- Monthly Fee: $0
- Credit Recommended: Poor to Good
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See website for Details* |
| Annual Fee | 0.00 |
| Credit Recommended | Poor to Good |
| 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 Trans Fee | n/a |
| Balance Transfer Fee | n/a |
First Access Visa® Card
$300 credit limit (subject to available credit)
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms
Credit Recommended Fair/Bad
Regular Purchase APR See Terms
Full Details Card Page
Highlights
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Highlights
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms |
| Annual Fee | See Terms |
| Credit Recommended | Fair/Bad |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. 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. A few 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 card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. 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).