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.
Build Credit
Total Visa® Card
Get a Response in Seconds
Intro Purchase APR
n/a
Annual Fee
See Terms*
Regular Purchase APR
See Terms*
Credit Brand
Visa .
Credit Card Details
The TOTAL Card is available to people with fair, poor, or limited credit! Complete the fast and easy online application and get a response in seconds.
Additional Info
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Program Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
Build Credit
Reflex Mastercard®
See if you’re Pre-Qualified with no impact to your credit score
Intro Purchase APR
See Terms*
Annual Fee
See Terms*
Regular Purchase APR
See Terms*
Credit Brand
Mastercard .
Credit Card Details
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- 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 Mastercard® is accepted
- Checking Account Required
Additional Info
- Purchase Intro APR : N/A
- Annual Fee: See Terms*
- Balance Transfers Intro APR : N/A
- Credit Needed: Bad/Fair
- Regular APR: See Terms*
- Processing Fee: See Terms*
- Cash Advance APR: See Terms*
- Monthly Servicing Fee: See Terms*
Build Credit
First Access Visa® Card
Intro Purchase APR
n/a
Annual Fee
See Terms
Regular Purchase APR
See Terms
Credit Brand
Visa .
Credit Card Details
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
Build Credit
First Access Visa® Card
Intro Purchase APR
n/a
Annual Fee
See Terms
Regular Purchase APR
See Terms
Credit Brand
Visa .
Credit Card Details
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
Build Credit
FIT Mastercard®
All credit types welcome to apply
Intro Purchase APR
See Terms*
Annual Fee
See Terms*
Regular Purchase APR
See Terms*
Credit Brand
Mastercard .
Credit Card Details
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Checking Account Required
Additional Info
- Purchase Intro APR : N/A
- Annual Fee: See Terms*
- Balance Transfers Intro APR : N/A
- Credit Needed: Bad/Fair
- Regular APR: See Terms*
- Processing Fee: See Terms*
- Cash Advance APR: See Terms*
- Monthly Servicing Fee: See Terms*
Build Credit
Credit One Bank® Credit Card with Cash Back Rewards
Intro Purchase APR
N/A
Annual Fee
$0 - $99
Regular Purchase APR
19.99% -25.99% Variable
Credit Brand
Visa .
Credit Card Details
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Managing your account is easy with the Credit One Bank mobile app
- Pick a card that fits your style. Multiple card designs are available, a fee may apply
- Monitor your credit with free online access to your Experian credit score, terms apply
- Never miss an account update with customizable text and email alerts
- Do your part to help the environment with the option to go paperless
Additional Info
- Intro (Purchases) : N/A
- Intro (Transfers) : N/A
- Regular APR : 19.99% -25.99% Variable
- Annual Fee : $0 – $99
- Credit Recommended : Fair
- Cash Advance APR : 25.99% Variable
- Cash Advance Fee : $5.00/8% or $10.00/3%, whichever is greater (see terms)
- Cash Grace Period : 0 or 24 Days (see terms)
- Late Payment Fee : Up to $39 (terms apply)
- Return Check Fee : Up to $39 (terms apply)
- Foreign Trans Fee : 3% or $1.00, whichever is greater
- Balance Transfer Fee : N/A
Build Credit
First Access Visa® Card
Intro Purchase APR
n/a
Annual Fee
See Terms
Regular Purchase APR
See Terms
Credit Brand
Visa .
Credit Card Details
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
Build Credit
Milestone® Mastercard® – Less Than Perfect Credit Considered
Intro Purchase APR
n/a
Annual Fee
$35 - $99*
Regular Purchase APR
24.9%
Credit Brand
Mastercard .
Credit Card Details
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
* Dependent on credit worthiness
Additional Info
- Regular APR : 24.9%
- Annual Fee : $35 – $99*
- Credit Recommended : Poor/Bad
- Intro Rate : N/A
- Intro Period : N/A
- Balance Transfer : N/A
- Intro (Purchases) : N/A
- Intro (Balance Transfers) : N/A
Build Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
Intro Purchase APR
n/a
Annual Fee
$0 - $99
Regular Purchase APR
19.99% -25.99% Variable
Credit Brand
Visa .
Credit Card Details
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- See if you Pre-Qualify without harming your credit score
- Track your progress with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Accounts are automatically reviewed for credit line increase opportunities
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Stay in-the-know with customizable account alerts via email and text
- Receive 1% cash back rewards on eligible purchases, terms apply
- Enjoy peace of mind with $0 Fraud Liability
Additional Info
- Intro (Purchases) : N/A
- Intro (Transfers) : N/A
- Regular APR : 19.99% -25.99% Variable
- Annual Fee : $0 – $99
- Credit Recommended : Poor
- Cash Advance APR : 25.99% Variable
- Cash Advance Fee : $5.00/8% or $10.00/3%, whichever is greater (see terms)
- Cash Grace Period : 0 or 24 Days (see terms)
- Late Payment Fee : Up to $39 (terms apply)
- Return Check Fee : Up to $39 (terms apply)
- Foreign Trans Fee : 3% or $1.00, whichever is greater
- Balance Transfer Fee : N/A
Build Credit
First Access Visa® Card
Intro Purchase APR
n/a
Annual Fee
See Terms
Regular Purchase APR
See Terms
Credit Brand
Visa .
Credit Card Details
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
Build Credit
First Access Visa® Card
Intro Purchase APR
n/a
Annual Fee
See Terms
Regular Purchase APR
See Terms
Credit Brand
Visa .
Credit Card Details
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
Build Credit
Fingerhut Credit Account
Intro Purchase APR
n/a
Annual Fee
None
Regular Purchase APR
See website for Details*
Credit Brand
Horizon .
Credit Card Details
- Easy application! Get a credit decision in seconds.
- Build your credit history – Fingerhut reports to all 3 major credit bureaus
- Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
- Not an access card
Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
Additional Info
- Credit Line : See website for Details*
- Monthly Fee : None
- Regular APR : See website for Details*
- Credit Recommended : Poor/Fair/Good
Build Credit
Credit One Bank® Unsecured Visa® for Rebuilding Credit
Intro Purchase APR
N/A
Annual Fee
$0 - $99
Regular Purchase APR
19.99% -25.99% Variable
Credit Brand
Visa .
Credit Card Details
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- Find out if you Pre-Qualify without harming your credit score
- Eligible purchases earn 1% cash back rewards automatically, terms apply
- Get a credit line between $300 and $3,000 based on your credit history
- Accounts are automatically reviewed for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Manage your account on-the-go with the Credit One Bank mobile app
- Looking to rebuild credit? We report to the major credit bureaus monthly
- View your Experian credit score online for free, terms apply
Additional Info
- Intro (Purchases) : N/A
- Intro (Transfers) : N/A
- Regular APR : 19.99% -25.99% Variable
- Annual Fee : $0 – $99
- Credit Recommended : Poor
- Cash Advance APR : 25.99% Variable
- Cash Advance Fee : $5.00/8% or $10.00/3%, whichever is greater (see terms)
- Cash Grace Period : 0 or 24 Days (see terms)
- Late Payment Fee : Up to $39 (terms apply)
- Return Check Fee : Up to $39 (terms apply)
- Foreign Trans Fee : 3% or $1.00, whichever is greater
- Balance Transfer Fee : N/A
Build Credit
Milestone® Mastercard® – Unsecured For Less Than Perfect Credit
Intro Purchase APR
n/a
Annual Fee
$35 - $99*
Regular Purchase APR
24.9%
Credit Brand
Mastercard .
Credit Card Details
- Easy pre-qualification process which does not affect your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Protection from fraud, if your card happens to be lost or stolen
- Account history is reported to the three major credit bureaus in the U.S.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : 24.9%
- Annual Fee : $35 – $99*
- Balance Transfer : N/A
- Credit Recommended : Poor/Bad
- Intro (Purchases) : N/A
- Intro (Balance Transfers) : N/A
Build Credit
Credit One Bank® Visa® with Free Credit Score Tracking
Intro Purchase APR
n/a
Annual Fee
$0 - $99
Regular Purchase APR
19.99% -25.99% Variable
Credit Brand
Visa .
Credit Card Details
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It’s fast, easy, and secure.
- 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 is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
- Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
- 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.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
- Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
- Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply.
Additional Info
- Intro (Purchases) : N/A
- Intro (Transfers) : N/A
- Regular APR : 19.99% -25.99% Variable
- Annual Fee : $0 – $99
- Credit Recommended : Poor
- Cash Advance APR : 25.99% Variable
- Cash Advance Fee : $5.00/8% or $10.00/3%, whichever is greater (see terms)
- Cash Grace Period : 0 or 24 Days (see terms)
- Late Payment Fee : Up to $39 (terms apply)
- Return Check Fee : Up to $39 (terms apply)
- Foreign Trans Fee : 3% or $1.00, whichever is greater
- Balance Transfer Fee : N/A
Build Credit
First Access Visa® Card
Intro Purchase APR
n/a
Annual Fee
See Terms
Regular Purchase APR
See Terms
Credit Brand
Visa .
Credit Card Details
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Info
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
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).
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