For those with bad credit scores, there are different ways which one can use to improve or build their low credit to good. You can decide to use credit cards in building your credit score. Meaning, if you have low credit or lack a credit history, with a new credit card, this can help to improve and build your credit only if you show the sign of responsive behavior. But, you have to watch out for certain credit cards when you want to build or improve your credit and this has to do with the best credit cards to build credit.
You can find a wide range of credit cards available, most of them need you to provide some sort of credit history for qualification. This actually can make it difficult for some people with low or bad credit scores to qualify for the card. However, if you are looking for the best credit cards to build credit, secured credit cards are the best and most suitable option to qualify for credit. Secured credit cards’ major similarity is compared to the traditional card, but you need to make a deposit first so as to access a credit limit.
Best Credit Cards for Beginners
For someone that is just starting the journey of the use of a credit card, this can be very difficult in selecting a suitable card to use. In terms of selecting the best credit cards for beginners, certain factors is considered which include whether you’re starting a credit journey or have some credit history. However, here are the list of best credit cards for beginners:
- Petal 1 Visa Credit Card
- Deserve EU Mastercard for Students
- Discover it Secured Credit Card
- Petal 2 Credit Card
- Bank of America Travel Rewards credit card for Students
- Chase Freedom Flex
- Discover it Cash Back
- Citi Double Cash Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Here we have the list of the best credit cards for beginners actually not looking to build their credit or improve their credit history. But for those with bad credit, you can check out the best credit card among the various cards that can help build your score.
Top 10 Best Credit Cards to Build Credit in 2022
Here is out list of the top 10 best credit cards for building or rebuilding your credit:
- Petal 2 Cash Back No Free Visa Credit Card
- Discover it Secured Credit Card
- U.S Bank Cash+ Visa Secured Card
- Capital One Platinum Credit Card
- Chime Credit Builder Visa® Credit Card
- Capital One Quicksilver Secured Cash Rewards Credit Card
- Deserve Digital First Card
- U.S. Bank Altitude® Go Visa® Secured Card
- Grow Credit Mastercard
- OpenSky Secured Visa Credit Card
Petal 2 Cash Back No Free Visa Credit Card
Petal 2 cashback, no fees visa credit card is an excellent credit card in building credit. It comes with no intro APR and offers you an annual fee of $0. The credit needed for this includes fair, good, and no credit. Meaning it is a good option for people looking for the best credit cards with no credit.
Discover it Secured Credit Card
Discover it Secured credit card is also another fascinating credit card for building good credit. There are amazing reward point to earn with the credit card that includes 2% cashback when you use the credit card at gas stations, restaurants, and other shopping points. It offers you a $0 annual fee, 22.99% regular APR, and a balance transfer fee of 3% intro.
U.S Bank Cash+ Visa Secured Card
This secured card is popularly known for its cashback. It’s considered the best credit card that offers amazing cashback and is also good to build or rebuild credit. It offers cardholders 5% cashback on their first transaction worth $2000.
Capital One Platinum Credit Card
Capital One Platinum Credit Card is another interesting credit card where you can build your credit. It comes with no annual fee, no fee charged when you use the card to purchase things outside the U.S., and more other amazing benefits.
Chime Credit Builder Visa® Credit Card
Chime credit builder visa credit card is best for no credit check which offers an easy tool where you can easily manage your account. Benefits of the card include $0, no intro APR, no regular APR, and more other benefits included on the card.