Build Credit Cards
Building credit is easier said than done, especially since many credit card companies don’t want to do business with consumers who have no credit. Fortunately, we’re here to point you in the right direction. There are a variety of credit cards designed to help you build your credit and increase your score. Not only are these issued by some of the top rated credit providers, but they come equipped with competitive APRs, no or low annual fees, and plenty of benefits to make your life easier.
APPLY NOW Build Credit
Reflex Mastercard®
See if you’re Pre-Qualified with no impact to your credit score
See Terms*
Annual FeeSee Terms*
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Credit Needed Fair CreditSee Terms*
Credit Brand MastercardBuild Credit
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
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Annual Fee$0-$70
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Credit Needed See website for Details*20.95% - 29.20% Variable
Credit Brand VisaBuild Credit
Surge Mastercard® Credit Card
See if you’re Pre-Qualified without impacting your credit score
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Annual FeeSee Terms*
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Credit Needed Bad CreditSee Terms*
Credit Brand MastercardBuild Credit
Total Visa® Card
Get a Response in Seconds
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Annual FeeSee Terms*
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Credit Needed Poor CreditSee Terms*
Credit Brand VisaBuild Credit
First Access Visa® Card
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Annual FeeSee Terms
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Credit Needed Bad CreditSee Terms
Credit Brand VisaBuild Credit
First Access Visa® Card
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Annual FeeSee Terms
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Credit Needed Poor CreditSee Terms
Credit Brand VisaBuild Credit
FIT Mastercard®
Fast and easy application process; results in seconds
See Terms*
Annual FeeSee Terms*
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Credit Needed Poor CreditSee Terms*
Credit Brand MastercardBuild Credit
Petal® Visa® Credit Card
$500 – $10,000 credit limits
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Annual Fee0.00
Up to 1.5% cash back after making 12 on-time monthly payments
Credit Needed New to Credit14.49% - 25.49% Variable
Credit Brand VisaBuild Credit
Credit One Bank® Credit Card with Cash Back Rewards
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Annual Fee$0 - $99
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Credit Needed Fair Credit19.49% -25.49% Variable
Credit Brand VisaBuild Credit
First Access Visa® Card
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Annual FeeSee Terms
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Credit Needed Poor CreditSee Terms
Credit Brand VisaBuild Credit
Milestone® Mastercard® – Less Than Perfect Credit Considered
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Annual Fee$35 - $99*
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Credit Needed Fair Credit24.9%
Credit Brand MastercardBuild Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
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Annual Fee$0 - $99
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Credit Needed Bad Credit19.49% -25.49% Variable
Credit Brand VisaBuild Credit
First Access Visa® Card
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Annual FeeSee Terms
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Credit Needed Bad CreditSee Terms
Credit Brand VisaBuild Credit
First Access Visa® Card
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Annual FeeSee Terms
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Credit Needed Bad CreditSee Terms
Credit Brand VisaBuild Credit
Fingerhut Credit Account
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Annual FeeNone
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Credit Needed Poor CreditSee website for Details*
Credit Brand HorizonBuild Credit
Credit One Bank® Unsecured Visa® for Rebuilding Credit
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Annual Fee$0 - $99
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Credit Needed Fair Credit19.49% -25.49% Variable
Credit Brand VisaBuild Credit
Milestone® Mastercard® – Unsecured For Less Than Perfect Credit
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Annual Fee$35 - $99*
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Credit Needed Fair Credit24.9%
Credit Brand MastercardBuild Credit
Credit One Bank® Visa® with Free Credit Score Tracking
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Annual Fee$0 - $99
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Credit Needed Poor Credit19.49% -25.49% Variable
Credit Brand VisaBuild Credit
First Access Visa® Card
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Annual FeeSee Terms
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Credit Needed Poor CreditSee Terms
Credit Brand Visa Individuals applying for these build credit credit cards can rest assured they're highly unlikely to be denied as many of these providers don't check credit scores, which means low or no scores don't stand between you and building or rebuilding your credit score. Applying for these cards couldn't be easier — our fast online service quickly lets you know whether or not you've been accepted, which comes in handy if you're in a rush to access financial assistance.
While many of these credit cards don't require good credit or even a credit history, it's important you always make repayments on time and stay within your credit limit. By doing just these two things, you can improve your credit rating in time. However, if you fail to manage your card responsibly, you could end up doing more harm to your credit score.
The zero interest rate offered on some credit cards makes an ideal solution to those who aim to improve their credit scores but don't want to risk getting into debt with an excessively high interest rate. The credit cards listed at Apply Now Credit provides viable options for people who've been refused credit in the past and remain in dire need of improving their credit scores for any reason.
General Disclaimer
* Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s).
Editorial Note
Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).