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Credit Cards

Compare credit cards by what actually matters when you're building or managing credit: whether a card needs a security deposit, its annual fee and APR, who issues it, and which credit bureaus it reports to. Start with secured or unsecured cards, then read each review before you apply.

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Our top pick

Picked for terms and who it fits, not for what we earn. Rates and fees can change, so confirm them on the application before you accept.

Secured card · no credit score requirement

Credit Builder Card logo

Credit Builder Card

Credit Builder Card says there's no credit score requirement and no hard inquiry to apply. The card shown is a secured Mastercard with a $200 minimum deposit and a $29 annual fee.

Important: Product terms, pricing, eligibility, and features may change. Always verify details with the provider before applying.
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1 product

Credit Builder Card logo

Credit Builder Card

Secured credit card marketplace

124 Credit Karma reviews
No Trustpilot rating available
Price:$200 refundable deposit
All 3 bureaus
Secured CardRefundable DepositMastercard
Card typeSecured
Deposit$200 minimum, refundable
Annual fee$29 (card shown on the application)
Purchase APR23.74% variable on purchases (as of Oct 6, 2026)
Reports toExperian, Equifax, TransUnion (per Credit Builder Card)
Credit checkNo hard inquiry when you apply, per Credit Builder Card

How it works: Apply through Credit Builder Card, fund a refundable security deposit, and use the card like a regular credit card. Your deposit sets your credit limit.

No credit score requirement and no hard inquiry to apply, per Credit Builder Card
Reports to all three credit bureaus, per Credit Builder Card
Refundable deposit; if your application is denied, the deposit is refunded
$29 annual fee on the card shown on the application
23.74% variable purchase APR if you carry a balance

Best for: People building or rebuilding credit who want a real credit card and can set aside a $200+ refundable deposit.

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Secured vs. unsecured credit cards

Both work the same way once you have them: you make purchases, get a monthly statement and pay it back. The difference is how you qualify.

Secured Credit Cards

  • Generally require a refundable security deposit, often $200 or more.
  • The deposit often sets your credit limit.
  • Often used by people building or rebuilding credit.
Show secured cards

Unsecured Credit Cards

  • Generally don't require a security deposit.
  • Approval, credit limit, APR and fees depend on the issuer and your credit profile.
  • We'll add unsecured cards here once we've reviewed real, current offers.

Using a card to build credit

If the issuer reports to the credit bureaus, your on-time payments and balance show up on your credit reports. Keeping the balance low and paying in full each month matters most. Late payments are reported too, and no card can guarantee approval, a score change or an upgrade to another card.

Not sure a card is right for you?

If you can't set aside a deposit, a credit-builder account or loan reports small monthly payments without one. If you already pay rent, rent reporting can add those payments to your reports. Read secured cards vs. credit builder loans, or let our free quiz weigh the options against your budget.

Frequently asked questions

What's the difference between secured and unsecured credit cards?

A secured card usually requires a refundable security deposit, which often sets your credit limit. An unsecured card has no deposit; the issuer decides your approval, limit and terms based on your credit profile and other factors.

Which type of card is used for building credit?

Secured cards are often used by people building or rebuilding credit, because the deposit lowers the issuer's risk. Some unsecured cards are also aimed at people with limited credit. Approval and terms always depend on the issuer.

Do I get a secured card's deposit back?

Secured card deposits are generally refundable under the issuer's terms, for example when the account is closed and the balance is paid. Each issuer's deposit agreement sets the exact rules.

Can a credit card help build credit?

It can, if the issuer reports to the credit bureaus and you pay on time and keep your balance low. Late payments are reported too, and no card can guarantee a score change or an upgrade to another card.

Credit card or credit-builder account: which one?

A card gives you a credit line you can use for purchases, and a secured card needs a deposit. A credit-builder account or loan needs no deposit and reports small monthly payments instead. If you can't set aside a deposit, a credit-builder account may fit better.

Credit Builder Card logoRead our Credit Builder Card review