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.
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.
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
the secured Self Visa® Credit Card
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
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Card Brand
Visa®
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Credit Recommended
No Credit, New to Credit, Limited Credit, Bad, Poor
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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
27.74% (Variable)
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Rewards
n/a
- Full Details
Highlights
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
- The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
- Use your card anywhere Visa® is accepted in the US.
- A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
- Get help staying on track with Autopay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
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 27.74%. Offer valid for new customers only.
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
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
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.
Firstcard® Secured Credit Builder Card
No credit check or hard inquiry
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Card Brand
MasterCard
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Credit Recommended
No Credit, Limited 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% APR
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Rewards
Earn up to 15% cashback at selected merchants
- Full Details
Highlights
Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.
BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
- No credit check or hard inquiry
- No overspending
- No interest, overdraft fee, late payment fee, or account minimum requirement
- We can approve your credit card application regardless of your credit history¹
- We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
- Applying for Firstcard does not impact your credit score
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
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