Credit Building Hub

Get a list of credit cards for bad, fair, and limited credit. Review benefits, calculate rewards (if applicable), and compare cards side by side.

Credit Scores & Credit History

If you're unsure of your credit score, it will might be a little challenging to figure out which credit cards you're most qualified for. I recommend signing up for MyFICO if you want the credit score that 90% of lenders use. If you already have your score, but you want to know what's on your credit report, Credit Karma is the best option. You can also take a shortcut and use the CardMatch tool which will match you with credit cards offers you're likely to qualify for.

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.

Credit Building With Rewards

If you're looking for the best of both words, there's several credit cards that can help you build your credit while also earning cash back rewards. Just remember that these cards typically have high APR, so you'll want to make sure that you pay off your card in full every month. Failure to do so will result in your hard earned rewards being eaten alive by the interest.

Earn up to 6% cash back by referring friends to the Jasper Cash Back Mastercard. Promotional cash back lasts for 1 year. No annual fee.
Earn up to 1.5% cash back after making 12 on-time monthly payments. Eligible for 1% back on all purchase right away. No annual fee.
Get the list of all of rewards credit cards you can use to build your credit. Applicable to those with no credit, bad credit, and fair credit.

Credit Cards For Bad Credit

Earn 1% Cash Back Rewards on every purchase. Your initial refundable deposit of $300 becomes your credit limit. Monthly reporting to the three major credit bureaus. Fast and easy application process; results in seconds.
Petal® 1 No Annual Fee Visa® Credit Card
Petal® 1 "No Annual Fee" Visa® Credit Card
$500 - $5,000 credit limits with variable APRs 19.99%-29.49%. No annual fee and no international transaction fees. Earn 2% to 10% cash back from select merchants. See if you're pre-approved within minutes without impacting your credit score. Petal reports to all 3 major credit bureaus. No deposits required.
Get a list of the best credit cards for bad credit. Boost your credit by making on-time payments and keeping a low balance.

Credit Cards For Fair Credit

Earn an unlimited 1.5% cash back on card purchases every time you make a payment. $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees. See if you qualify in minutes without hurting your credit score. Access to a virtual card while you wait for you card to arrive in the mail.
Earn an unlimited 1.5% cash back on every purchase, every day. Be automatically consider for a higher credit line in as little as 6 months. Monitor your credit profile with the CreditWise® app for free. No limit to the amount of cash back you can earn.
Get a list of the best credit cards for fair credit. Continue to build your credit history and improve your score with these cards.

Credit Cards For No/Limited Credit

No annual fee and regular reporting to the 3 major credit bureaus. Make the minimum required security deposit and you'll get an initial credit line of $200. Authorized bank account needed to make refundable security deposit. Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.
If you're a student with no credit or limited credit, you'll qualify for a large list of student credit cards which can earn you rewards and while helping you build your history. Get a list of the best student credit cards from our partners and start working on your credit today!
Have limited credit or no credit at all? Build up your credit profile with these great credit card options.

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US • 🇨🇦 CA • 🇬🇧 UK • 🇦🇺 AU