Unsecured Credit Cards
Client Access Only
Credit Building Credit Cards
Unsecured Credit Building credit cards are designed to help individuals establish or rebuild their credit history without requiring a security deposit. These cards provide an opportunity to demonstrate creditworthiness and improve your credit score through responsible usage.
When considering an unsecured Credit Building credit card, it’s important to evaluate the card’s terms, fees, and benefits. Look for cards that align with your financial goals and budget, and always use credit responsibly to maximize the credit-building potential.
With the right approach and responsible financial management, unsecured Credit Building credit cards can serve as a valuable tool in your journey towards establishing a solid credit foundation.
You can also peruse offers from our affiliated partner here:
Here are 12 credit building cards you can apply to right from this site:
Capital One Platinum
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 29.99%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Capital One Quicksilver
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 29.99%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Earn unlimited 1.5% cash back on every purchase, every day
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Milestone Mastercard®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $175
- Year 2+ Annual Fee — $49
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee — $12.50
- Introductory APR —
- Standard APR — 35.90%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- Greater access to credit than before – $700 credit limit
Petal® 1 Visa®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 24.7% – 34.2%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- $300 – $5,000 credit limits
Mission Lane Visa®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $59
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 26.9% – 29.9%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Be automatically considered for a higher credit line in as few as 7 months
- Free, online credit score access for cardholders
Petal® 2 Visa®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $25
- Year 2+ Annual Fee — $35
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 17.74% – 31.74%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% – 10% cash back at select merchants
- $300 – $10,000 credit limits
Surge® Platinum Mastercard®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $75
- Year 2+ Annual Fee — $125
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee — $10
- Introductory APR —
- Standard APR — 29.99%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Checking Account Required
Fortiva® Mastercard®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $175
- Year 2+ Annual Fee — $49
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee — $12.50
- Introductory APR —
- Standard APR — 26.9% – 36.9%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- *See Program Terms for important information about the cash back rewards program.
Revvi Visa®
Rates & Fees
- Deposit —
- Initial Fee — $95
- Year 1 Annual Fee — $75
- Year 2+ Annual Fee — $49
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee — $8.25
- Introductory APR —
- Standard APR — 35.99%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Checking account required
- Opportunity to request credit limit increase after twelve months, fee applies
Credit One Platinum Visa®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $75
- Year 2+ Annual Fee — $99
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee — $10
- Introductory APR —
- Standard APR — 28.74%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- 1% cash back on eligible purchases
- Automatic reviews for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
Upgrade Cash Rewards Visa®
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 14.99% – 29.99%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 600+
DETAILS
- The Upgrade Cash Rewards Visa® has a $0 annual fee and earns unlimited 1.5% cash back on all purchases when you pay down your card balance.
- You can qualify for a credit line of up to $25,000, depending on your credit.
- New cardholders can also earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions.
AvantCard
Rates & Fees
- Deposit —
- Initial Fee —
- Year 1 Annual Fee — $59
- Year 2+ Annual Fee — $59
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 29.74%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Checking your eligibility does not affect your credit score
Affiliate Compensation Disclosure: This website may contain affiliate links, which means that if you make a purchase or join a program through those links, we may earn a commission at no additional cost to you. We only promote products or services that we believe will provide value to our clients. The compensation received through affiliate partnerships helps support the maintenance and growth of this website. Thank you for your support!
