Build Credit Cards

Highlights

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

• Free Experian credit report and FICO® Score* included
• See estimated approval odds for select cards before you apply
• Check if you have pre-approved card offers

See your best matches based on you

• Simply sign in to see the credit cards that best match you
• Compare your best options and make your choice
• We apply your FICO® Score so you can apply with confidence

Additional Info

Advertiser Disclosure: The offers that appear on this site are from third party companies (“our partners”) from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

^*Credit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more

Specifications

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.

Additional Info

Specifications

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.

Qualification 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.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.

Additional Info

• Intro APR (Purchases): N/A
• Intro APR (Transfers): N/A
• Regular APR: 28.24% (Variable Rates)
• Annual Fee: $0 ($25 Annual Fee after the first year.)^
• Recommended Credit Score: No Credit, New to Credit, Limited Credit, Bad, Poor
• Rewards: N/A
• Cash Advance APR: N/A
• Cash Advance Fee: N/A
• Cash Grade Period: N/A
• Late Payment Fee: $15
• Overlimit Fee: N/A
• Return Check Fee: $15
• Foreign Transaction Fee: N/A
• Balance Transfer Fee: N/A

¹ The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.

Qualification 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.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.

Specifications

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

Highlights

Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):

To apply for Credit Builder, you must have an active Chime® Checking Account.

• Credit Builder is a secured credit card
• No credit check to apply
• No annual fees
• No minimum security deposit*
• Limit risk of overspending

Eligibility Requirements

• 1. “Apply” for the Credit Builder Card
• 2. Chime Checking Account required to apply

Build Credit History

• Help increase your credit scores/FICO® Score by an average of 30 points¹
• Build credit history
• A better way to build credit
• Using Credit Builder can build your credit history
• Start building credit history with money you’ve set aside

Safer Credit Building

• Turn on Safer Credit Building* to automatically pay your balance in full each month
• Your balance will be automatically paid on time², every month

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.

Additional Info

¹ Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

² On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

* Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

Specifications

Highlights

• Pre-qualify with no impact to your credit score
• Helping people build credit is our first priority – start your credit-building journey today.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• We report monthly to the Consumer Reporting Agencies to help you build your credit.
• Award-winning, U.S.-based customer service

Additional Info

Specifications

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.

Additional Info

• Credit Check: No
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: Experian, TransUnion, Equifax
• Coverage: Excludes: WI, VT

Specifications

Highlights

• Pre-qualify with no impact to your credit score.
• Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• Our mobile app helps you keep track of your spending and payments for greater financial control.
• When you need assistance our award-winning US-based Customer Service agents are there to help.

Additional Info

Specifications

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

Additional Info

• Products Offered: Mobile Banking & Visa Credit Card
• Brand Name: Visa®
• Credit Check: No
• Regular APR: 0.00%

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Specifications

Highlights

• No hard inquiry to apply.
• Apply in 5 minutes or less.
• Get up to $200 with the unsecured Arro Card. Grow your credit line up to $2,500.
• Earn 1% cash back on gas & groceries, including Walmart and Target
• Instantly increase your credit limit as you master your personal finances in the Arro app.
• Reports to all 3 credit bureaus.
• The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Additional Info

• Primary Benefit: Build and grow credit – up to $2,500 over time
• Rewards Rate: 1% cashback
• Credit Limit: Up to $200 starting limit
• Regular APR: 16% Variable
• Annual Fee: $36* (*discounted in Year 1 for starting credit lines under $200)
• Credit Recommended: All Credit Types Accepted
• Checking Account Required: Yes
• Card Brand: Mastercard®
• Late Payment Fee: Up to $8
• Return Payment Fee: $0

Specifications

Highlights

• Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
• PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
• Credit limit increase eligible after 12 months of consistent responsible account management.
• We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
• Award-winning, U.S.-based customer service

Additional Info

Specifications

Highlights

Pay in 4 and Build Credit¹

Welcome to Sezzle, The Responsible Way to Pay. Start splitting your purchases into 4 installments over 6 weeks today.²

Flexible Financing

Pay for your purchases in 4 installments over 6 weeks with 0% interest or choose to pay monthly.²

No Hard Credit Check³

Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!

Sezzle It In-Store with the Virtual Card⁴

Download the Sezzle app, activate the Virtual Card, and start paying later in-store.

Financially Empowering the Next Generation

Financial freedom is a right, not a privilege. We’re here to help you achieve financial freedom and take control over your finances so you can build your future.

Additional Info

¹Sezzle offers an optional program called Sezzle Up that users may join to enable their repayment information on Sezzle transactions reported to credit reporting agencies. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. All payments, including late payments, are required to be reported, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations. The program and related services will not remove negative credit history from your credit report. Your payment activity will be reported to Experian®, Equifax® and TransUnion® in the United States and to Equifax® only in Canada. Please refer to our Terms of Use for additional details.

²Pay in 4 payment option is 0% Annual Percentage Rate (APR). 25% down payment then three payments of 25% every two weeks for 6 weeks. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. Other payment options are subject to credit approval by third party lenders. Rates from 5.99% – 34.99% APR; terms from 3 months – 48 months, which may vary by lender. 0% APR options may be available. APRs will vary depending on credit qualifications, loan amount, term, and lender. Minimum purchase is required.

³Sezzle may conduct a soft credit check for new customers when they first sign-up to use the platform. This soft credit check will not impact a customer’s credit score.

⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides financing in the form of installment loans. Sezzle is not a bank.

Specifications

Highlights

Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY

• Build your credit score every time you spend
• Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
• No credit check or hard inquiry
• No overspending
• No interest, overdraft fee, late payment fee, or account minimum requirement
• We can approve your credit card application regardless of your credit history¹
• We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
• Applying for Firstcard does not impact your credit score

Additional Info

EARN CASHBACK² EVERY TIME YOU SPEND

• Earn up to 15% Merchant Cashback at 29,000 partner merchants
• Earn up to 10% Random Cashback on all qualifying purchases
• Get an additional 1% cashback on all qualifying purchases with Firstcard+³

GROW YOUR MONEY OVER TIME

• Firstcard Standard members can earn 0.75% Annual Percentage Yield⁴ (APY)
• Firstcard+ members can earn 2.00% APY
• Firstcard Premium members can earn 4.00% APY
  (The national average interest rate on savings accounts is 0.45% APY⁵)

EQUAL ACCESS FOR EVERYONE

• Accept immigrants, international students, foreigners, and non-US citizens without an SSN¹
• Have no credit score or low credit score? No problem. We can approve your credit card application regardless of your credit history.

SECURITY AND SUPPORT YOU CAN TRUST

• Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC.
• The Firstcard credit card is issued pursuant to a license from Mastercard® International Inc.
• Our team is based in the US and we are headquartered in Silicon Valley.

Specifications

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

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 $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

• No Employment or Credit Check
• Bad Credit, No Credit – OK
• Always 0.0% APR
• Fast Online Applications

Additional Info

• Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee : See website for Details*
• Regular APR : 0% APR
• Credit Recommended : Damaged credit to Fair credit

Specifications

Highlights

• No Employment or Credit Check
• Bad Credit, No Credit? No Problem!
• Fast and Easy Application

Additional Info

• Credit Limit : $750 Limit (Usable only at TheHorizonOutlet.com)
• Regular APR : 0% APR
• Monthly Fee : See website for Details*
• Credit Recommended : Damaged/Fair

Specifications

Highlights

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

• $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
• Instant Approval*
• No Credit Check
• No Employment Check
• Fast online application
• Bad Credit – OK

*See site for details

Additional Info

• Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee: See website for Details*
• Regular APR: 0% APR
• Credit Recommended: Damage credit to Fair credit

Specifications

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.

Additional Info

Users earn an average of 8% cash back on groceries and dining—that’s on TOP of your current credit card rewards – even on debit card purchases!

And yes — it’s real cash back. No confusing rewards, points, or credits. Just actual money you can transfer straight to your bank account or PayPal. You can also cash out your earnings as an e-gift card to retailers you love, like Amazon, Walmart, and so many more.

With Upside, you can earn up to 25¢/gal cash back on gas, up to 45% back at restaurants, and up to 30% back at grocery stores. These earnings add up quickly — frequent users earn an average of $340 per year just for adding Upside to their normal routine.

Specifications

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

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 $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

• No Employment or Credit Check
• Bad Credit, No Credit – OK
• Always 0.0% APR
• Fast Online Applications

Additional Info

• Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee : See website for Details*
• Regular APR : 0% APR
• Credit Recommended : Damaged credit to Fair credit

Specifications