Best Credit-Building Cards of October 2023

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If you have limited or no credit, you can apply for subprime credit cards to build your credit history. As long as you pay off your credit-card balance on time each month, your responsible payment records will be reported to three major credit bureaus – Equifax, Experian and TransUnion, and your credit rating will improve.

No Annual Fee Credit Card to Build Credit

Both Capital One Quicksilver Secured Cash Rewards Credit Card and Capital One Platinum Credit Card offer cardholders to build credit without having to pay an annual fee. In addition, the Quicksilver Secured Cash Rewards Card offers unlimited 1.5% cash back on purchases and up to 5% back on travel.

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Intro APR
N/A
Intro APR Period
N/A
Regular APR
30.74% (Variable)
Annual Fee (rates & fees)
$0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro APR
N/A
Intro APR Period
N/A
Regular APR
30.74% (Variable)
Annual Fee (rates & fees)
$0

Alternative Credit Cards to Help Building Credit

If you are interested in Capital One Platinum Credit Card or Capital One Quicksilver Secured Cash Rewards Credit Card, you may also consider a few other credit cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
First Latitude Platinum Mastercard® Secured Credit Card

24.49% (V) APR

rates & fees

N/A

$25.00 for the first year, after that $35.00 annually*

Poor / Limited / NoApply NowView Card Details
  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Total Visa® Card

35.99%* APR

rates & fees

N/A

$75.00 1st year, $48.00 after*

Fair / BadApply NowView Card Details
First Access Visa® Card

35.99%* APR

rates & fees

N/A

$75.00 1st year, $48.00 after*

Fair CreditApply NowView Card Details
OpenSky® Plus Secured Visa® Credit Card

29.99% (variable) APR

N/A

$0

No Credit, Poor, Fair CreditApply NowView Card Details
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Capital One QuicksilverOne Cash Rewards Credit Card

30.74% (Variable) APR

rates & fees

30.74% (Variable) APR

$0 at the Transfer APR

$39

Average, Fair, Limited CreditApply NowView Card Details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
First Progress Platinum Select Mastercard® Secured Credit Card

19.24% (V) APR

N/A

$39

Poor / Limited / NoApply NowView Card Details
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
  • Earn 1% cash back rewards on payments made to your Total Credit Card
  • Checking Account Required
  • Earn 1% cash back rewards on payments made to your First Access Credit Card
  • Checking Account Required
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclosure on User Generated Content: The responses on our site are not provided or commissioned by the advertiser. Responses have not been reviewed, approved or otherwise endorsed by the advertiser. It is not the advertiser's responsibility to ensure all posts and/or questions are answered.

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