Build Credit Cards
Building credit can be challenging, especially since many credit card companies are reluctant to work with consumers who have no credit history. Fortunately, we’re here to guide you. There are several credit cards specifically designed to help you build your credit and improve your score. These cards, issued by top-rated credit providers, offer competitive APRs, no or low annual fees, and numerous benefits to simplify your life.
First Progress Select Secured Mastercard®
All credit types welcome to apply!
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Card Brand
MasterCard
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Credit Recommended
Poor/Limited/No Credit
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Annual Fee
$49
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Monthly Fee
n/a
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Regular Purchase APR
17.49% (variable)
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Rewards
1% Cash Back
- Full Details
Highlights
- Maximize Your Tax Refund: Open a First Progress Credit Card and Start Building Your Credit.¹
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 – with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Prestige Secured Mastercard®
All credit types welcome to apply!
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Card Brand
MasterCard
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Credit Recommended
Poor/Limited/No Credit
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Annual Fee
$49
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Monthly Fee
n/a
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Regular Purchase APR
13.49% (variable)
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Rewards
1% Cash Back
- Full Details
Highlights
- New Year, New Credit. Apply Now & Start Rebuilding Your Credit in 2026!¹
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Indigo® Mastercard® for Less than Perfect Credit
Higher limit than before, still no security deposit required!
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Card Brand
MasterCard
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Credit Recommended
Bad/Poor/Fair
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Annual Fee
$175 the first year; $49 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Regular Purchase APR
35.9%
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Rewards
n/a
- Full Details
- Rates & Fees
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Net First Platinum
$750.00 Line of Credit*
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Card Brand
Other
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Credit Recommended
Damaged credit to Fair credit
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Annual Fee
See Terms
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Monthly Fee
N/A
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Regular Purchase APR
0.00%
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Rewards
n/a
- Full Details
Highlights
The Net First Platinum card could be the perfect card for you.
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
- No Employment or Credit Check
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
*See Card for Details
Current Build Visa® Credit Card
Credit for everyone – Regardless of your credit history!
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Card Brand
Other
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Credit Recommended
No to Good Credit
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Annual Fee
$0.00
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Monthly Fee
N/A
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Regular Purchase APR
0.00%
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Rewards
N/A
- Full Details
Highlights
Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.
- Credit for everyone – Regardless of your credit history!
- Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
- No minimum security deposit required.
- Enjoy instant gas hold removals.
- Reports monthly to all three major credit bureaus.
- View Product Disclosures
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Card Brand
Visa®
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Credit Recommended
Any Credit Rating
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Annual Fee
$0 ($25 Annual Fee after the first year.)^
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Monthly Fee
N/A
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Regular Purchase APR
27.49% (Variable)
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Rewards
n/a
- Full Details
Highlights
No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.
Build Your Credit
Reports payment history to all three major credit bureaus to help you establish and improve your credit score.
Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.
Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.
Flexible Entry
Don’t have the $100 deposit today? You can start with a Credit Builder Account for $25/month to build the savings needed to secure your card.
Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.
Security
Includes free access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards.
Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.
The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
PREMIER Bankcard® Grey Credit Card
Pre-qualify with no impact to your credit score
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Card Brand
MasterCard
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Credit Recommended
Fair/Poor
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Annual Fee
See Provider Website
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Monthly Fee
See Provider Website
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Regular Purchase APR
See Provider Website
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Rewards
n/a
- Full Details
Highlights
- Pre-qualify with no impact to your credit score
- Helping people build credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
MAGNUM – Credit Builder Account
No credit history needed; no hard check required
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Card Brand
Other
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Credit Recommended
All Credit Types Considered
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Annual Fee
$0.00
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Monthly Fee
N/A
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Regular Purchase APR
0.00%
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Rewards
n/a
- Full Details
Highlights
- Get up to a +86 average* FICO® Score increase on autopilot
- Largest credit builder in the nation
- Build from $2,000 up to $30,000 of credit history starting at low monthly payments
- Great if you want to access premium CCs & higher credit limits
- No credit history needed; no hard check required
- No prepayment or early cancellation fees
*Individual results may vary, terms and conditions may apply.
PREMIER Bankcard® Mastercard® Credit Card
Pre-qualify with no impact to your credit score
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Card Brand
MasterCard
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Credit Recommended
Fair/Poor
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Annual Fee
See Provider Website
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Monthly Fee
See Provider Website
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Regular Purchase APR
See Provider Website
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Rewards
n/a
- Full Details
Highlights
- Pre-qualify with no impact to your credit score.
- Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- Our mobile app helps you keep track of your spending and payments for greater financial control.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
Milestone® Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard
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Credit Recommended
Fair/Good
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Annual Fee
See Terms
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Monthly Fee
See Terms
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Regular Purchase APR
See Terms
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Rewards
n/a
- Full Details
- Rates & Fees
Highlights
- Greater access to credit than before – $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
Destiny Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard
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Credit Recommended
Poor to Good
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Annual Fee
See Terms
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Monthly Fee
See Terms
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Regular Purchase APR
See Terms
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Rewards
n/a
- Full Details
- Rates & Fees
Highlights
- Simple and fast application process
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- Build your access to credit – $700 credit limit
Kikoff
0% APR and No Hidden Fees
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Card Brand
Other
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Credit Recommended
Any Credit Welcome
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Annual Fee
$0.00
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Monthly Fee
N/A
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Regular Purchase APR
0% APR
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Rewards
n/a
- Full Details
Highlights
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- A tradeline from $750 up to $2,500
- Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.
Credit building on your terms
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
Group One Platinum Card
Bad Credit, No Credit? No Problem!
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Card Brand
Other
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Credit Recommended
Damaged/Fair
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Annual Fee
See website for Details*
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Monthly Fee
N/A
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Regular Purchase APR
0%
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Rewards
n/a
- Full Details
Highlights
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
PREMIER Bankcard® Gold Credit Card
Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority
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Card Brand
MasterCard
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Credit Recommended
Fair/Poor
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Annual Fee
See Provider Website
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Monthly Fee
See Provider Website
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Regular Purchase APR
See Provider Website
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Rewards
n/a
- Full Details
Highlights
- Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Credit limit increase eligible after 12 months of consistent responsible account management.
- We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- Award-winning, U.S.-based customer service
Freedom Gold Card
You are pre-approved for a $750 unsecured credit line
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Card Brand
Other
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Credit Recommended
Damaged credit to fair credit
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Annual Fee
See Terms
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Monthly Fee
N/A
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Regular Purchase APR
0.00%
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Rewards
n/a
- Full Details
Highlights
You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit – OK
*See site for details