Best Credit Cards for Building Credit | CompareCredit™

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Best Credit Cards for Building Credit

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Opening a new credit card can be a great way to build or rebuild your credit score. With responsible use, the credit cards on this page help you obtain a higher score over time.

Compare security deposits, fees, interest rates and more to find the best card for you and apply securely online now.

Capital One QuicksilverOne Cash Rewards Credit Card

(262 reviews)

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on Capital One's secure site

The Capital One QuicksilverOne Cash Rewards Credit Card is a very popular card for anyone looking to build credit. Just because you have Average, Fair, Limited Credit doesn't mean that you have to forego earning credit card rewards on purchases! This card comes with a whopping 1.5% Cash Back on every purchase, every day. There is no limit to how much cash back you can earn and cash back doesn't expire for the life of the account.

That cash back rate is extremely high for consumers with Average, Fair, Limited Credit, making the Capital One QuicksilverOne Cash Rewards Credit Card the obvious choice for any credit card first-timers who want to get started earning rewards right away. There is an annual fee of $39, but that's pretty normal for starter credit cards and can easily be outweighed by the cash rewards you earn each year.

Petal® 1 "No Annual Fee" Visa® Credit Card

(487 reviews)

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on WebBank's secure site

Finally – a credit card designed specifically for those who are new to credit. The Petal® 1 "No Annual Fee" Visa® Credit Card comes with a strong rewards rate of 2% - 10% cash back from select merchants and you pay no annual fee to carry the card. This simple credit card offers credit limits of $500-$5,000 and is the perfect tool to help you build your credit.

In addition to no annual fee, this card has no foreign transaction fees, and since this is a true credit card there is no security deposit required. Another great feature of the Petal® 1 "No Annual Fee" Visa® Credit Card is that you can easily see if you're pre-approved within minutes without impacting your credit score – no more worrying about a needless ding on your credit report!

Capital One Platinum Credit Card

(362 reviews)

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on Capital One's secure site

In many ways, the Capital One Platinum Credit Card is the perfect card for anyone with Average, Fair, Limited Credit. Unlike most credit cards for building credit, this one comes with no annual fee. Nobody likes paying fees, and it's especially nice to not have to worry about another charge when you are building credit.

The Capital One Platinum Credit Card comes with some complimentary credit management tools and resources to help you succeed with building credit. You can monitor your credit profile for free with the CreditWise® app and you'll even be automatically considered for a higher credit line in as little as 6 months. There is no rewards program with this card, but many expert consider that a good thing for folks who are just starting out with credit because they won't be incentivized to overspend.

Discover it® Student Cash Back

(1,612 reviews)

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on Discover's secure site

Rates & Fees

Starting to build credit while you are in college or grad school is an excellent idea, and the Discover it® Student chrome is the perfect credit card to do the trick. It comes with a stellar rewards rate: Earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

This card comes with a clever intro bonus that a help you rake in rewards – get a Discover will match all the cash back you’ve earned at the end of your first year. There's no need to sign up and no limit to how much is matched! Another thing that makes this card stand out is that Discover will reward you for being a student with Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. That's up to $100 in statement credits just for being a good student! This card also comes with no annual fee, no foreign transaction fees, no late fee on first late payment and no APR change for paying late.

Surge Mastercard®

(414 reviews)

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on Celtic Bank's secure site

The Surge Mastercard® is a great choice for a credit card for building or re-building credit because you can see if you’re Pre-Qualified without impacting your credit score. This is a stellar benefit because you won't have to worry about having a ding on your credit reporting from submitting the application – all credit types are welcome to apply!

When you're building credit, you want to be careful about adding too many credit inquiries to your report because that can bring your credit score down, but there's no need to worry about that with quick and easy online pre-qualification from the Surge Mastercard®. This card will help you build credit with responsible use thanks to its monthly reporting to the three major credit bureaus, and you can even track your progress with free access to your Vantage 3.0 score From TransUnion.