Best Credit Building Rewards Cards

Have fair, bad, or no credit at all? Get the best of both worlds by building your credit profile while earning cash back rewards on your purchases.

If you're working on building or repairing your credit profile, it's still possible to earn rewards on your everyday spending. If you have fair, bad, or no credit at all, there's a handful of options to choose from. The important thing to note is that if you do pick up one of these cards, you'll want to pay your cards off in full every statement. If you fail to do so, the interest that you'll be paying will eat away at your rewards faster than you can earn them. If you don't plan on paying off your card in full, you would be better off going for a credit card with a lower APR that does not earn rewards.

Listed below are our top picks for best credit cards for building credit while earning rewards. You can jump down to the calculator at the bottom of this page if you want to find out which cards will earn you the most cash back based on your spend. Just be sure to take other things into account such as the highlights listed for each credit card.

Credit Building Rewards Cards

Upgrade VisaĀ® Card with Cash Rewards
Rewards Rate
1.5%
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Annual Fee
$0
Regular APR
8.99% - 29.99% APR
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Upgrade Triple Cash Visa Card
Rewards Rate
3%
Earn 3% cash back on home, auto, and health categories.
1%
Earn 1% cash back on everything else.
Intro Bonus
No current intro bonus.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 3% unlimited cash back on home, auto, and health categories
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Jasper Cash Back MastercardĀ®
Rewards Rate
Up To 6%
Up to 6% cash back by referring friends! Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
Annual Fee
$0
Regular APR
15.49% - 24.99% variable
Foreign Transaction Fee
0%
Main Card Highlights
  • $100 signup bonus! Apply by May 31, 2021 using promo code RVPROMO to receive a $100 statement credit upon first eligible purchase, if approved. Terms apply.
  • Up to 6% cash back by referring friends!
  • Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
  • Cash back not limited to certain categories, earn on almost all everyday purchases
  • No annual fee, no security deposit, no foreign transaction fees
  • Simple, intuitive app to manage your account
  • Unique auto payment options that help you build and maintain your credit score
  • Receive cash back automatically every month as a statement credit after three on time payments
  • Earn cash back as long as your account is in good standing
  • Your cash back maximum varies based on your credit limit.
  • See Jasper's Terms & Fees
  • Issued by WebBank, Member FDIC
PetalĀ® 2 "Cash Back, No Fees" VisaĀ® Credit Card
Rewards Rate
1.5%
Up to 1.5% cash back after making 12 on-time monthly payments.
1%
1% cash back on eligible purchases right away.
Annual Fee
$0
Regular APR
12.99% - 26.99% variable
Foreign Transaction Fee
0%
Main Card Highlights
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back from select merchants
  • $500-$10,000 credit limits
  • Variable APRs 12.99%-26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • 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
Capital One QuicksilverOne Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
N/A
Annual Fee
$39
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWiseĀ® app, free for everyone
  • Help strengthen your credit for the future with responsible card use
Surge Secured MastercardĀ®
Rewards Rate
1%
1% Cash back rewards on every purchase
Annual Fee
$69
Regular APR
19.99% variable
Main Card Highlights
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • 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 MastercardĀ® is accepted
  • $0 fraud liability
  • Checking Account Required
Credit One Bank American ExpressĀ® Card
Rewards Rate
1%
Earn unlimited 1% cash back rewards on all purchases, terms apply.
Intro Bonus
No current offer
Annual Fee
$39
Regular APR
23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Earn unlimited 1% cash back rewards on all purchases, terms apply.
  • $0 Fraud Liability ensures you wonā€™t be responsible for unauthorized charges
  • Retail Protection covers you if an eligible item is accidentally damaged or stolen, terms apply
  • Get deals on shopping, dining, travel, and entertainment through Amex Offers
  • Enjoy exclusive access to pre-sale tickets for some of the hottest nationwide concerts and events
  • Know youā€™re covered when the unexpected happens while traveling with Travel Accident Insurance, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
NASCARĀ® Credit Card from Credit One BankĀ®
Rewards Rate
2%
Get Double Cash Back Rewards at the NASCAR Shop, terms apply.
1%
Get 1% Cash Back Rewards on Eligible Purchases*
Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
17.99% - 23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Credit One BankĀ® Platinum Rewards Visa
Rewards Rate
5%
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
1%
1% cash back rewards on all other purchases. Terms Apply.
Intro Bonus
No current offer
Annual Fee
$95
Regular APR
23.99 variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Zero Fraud Liability protects you from unauthorized charges
  • Get free access to your Experian credit score online, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Credit One BankĀ® Platinum Rewards Visa with No Annual Fee
Rewards Rate
2%
2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Intro Bonus
No current offer
Annual Fee
$0
Regular APR
23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • No annual fee for qualified applicants. Terms apply.
  • Get 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services. Terms apply.
  • Choose your monthly payment due date for added convenience. Terms apply.
  • Monitor your credit with free online access to your Experian credit score. Terms apply.
  • Enjoy peace of mind with $0 Fraud Liability.
  • Stay in-the-know with customizable account alerts via email and text.
  • Manage your account on-the-go with the Credit One Bank mobile app.
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Credit One BankĀ® VisaĀ® Cash Back Rewards
Rewards Rate
1%
Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Intro Bonus
No current offer
Annual Fee
$39
Regular APR
23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
  • Enjoy peace of mind with $0 Fraud Liability.
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply.
  • Access your account on-the-go with the Credit One Bank mobile app.
  • Never miss an account update with customizable text and email alerts.
Credit One BankĀ® VisaĀ® for Rebuilding Credit
Rewards Rate
1%
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
17.99% - 23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
Capital OneĀ® Walmart RewardsĀ® MastercardĀ®
Rewards Rate
5%
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
2%
Earn 2% cash back on purchases in Walmart stores, restaurants and travel purchases
2%
Earn 2% cash back at Walmart and Murphy USA Fuel Stations
1%
Earn 1% cash back on all other purchases everywhere else MastercardĀ® is accepted
Intro Bonus
Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
  • No annual fee and no foreign transaction fees

Check Your Credit Score

You should always know what's on your credit report and have a good idea of what your credit score is. Listed below are the best options for keeping up to date on your credit score across the major bureaus as well as being notified when there are changes to your credit report.

Use MyFICO to grab a one-time credit score and report or sign up for a monthly membership to receive notifications when there's changes to your credit report. Sign up through The Point Calculator and get 20% off.
Credit Karma is the best option if you want to know what's on your credit report. Sign up for free and get access to your Transunion and Equifax credit reports.
You can shortcut your way to finding great offers by using the CardMatch Tool. See all of your personalized and targeted credit card offers in less than 60 seconds with a soft pull on your credit. No hard credit pull.

Best Rewards Credit Cards By Spend Calculator

The Best Rewards Credit Cards By Spend Calculator will give you an idea of which credit building cards listed in the previous section will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees. Remember that the ability to get these cards will depend on your credit score and credit profile.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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Other Credit Options

If you want to be more focused on building your credit versus earning rewards, you can check out the lists from our partners below. Credit cards that do not earn rewards typically have lower interest rates which can be great in the case that you aren't able to pay off your balance during a statement period.

Get a list of the best credit cards for bad credit from our partners. Boost your credit by making on-time payments and keeping a low balance.
Get a list of the best credit cards for fair credit from our partners. Continue to build your credit history and improve your score with these cards.
Have limited credit or no credit at all? Build up your credit profile with these great credit card options from our partners.
If you would rather find credit cards with a low interest rate, our partners have a list of the best low interest cards available. Check out all available offers and compare rates & fees.
If you have good credit (670 to 739) or excellent credit (740 to 850), you'll have access to the best of the best when it comes to earning rewards. Search for the best credit cards based on your spend with our tool!

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