Best Credit Cards for 18 Year Olds to Build Credit of September 2024

Get the credit you need with Platinum Mastercard® from Capital One.

Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.

You're also covered by $0 Fraud Liability if your card is ever lost or stolen.

The QuicksilverOne Credit Card from Capital One earns 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

The QuicksilverOne Card has an APR of 29.99% Variable. Balance Transfer Fee: 4% of the amount of each transferred balance that posts to your account. None for balances transferred at the Transfer APR.

The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

The card's APR is 29.99% (Variable). Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

Read full review

The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

The Card earns 1% Cash Back rewards on payments.

The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 15.24% (Variable for purchases), 24.24% (Variable for cash advances).

Read full review

The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

The Card's APR: 22.70% Variable for purchases.

The Secured Mastercard® credit card reports to all three major credit bureaus.

Read full review

The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

The card's APR: 19.24% (Variable for Purchases), 25.24% (Variable for Cash Advances).

The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

Read full review

The Destiny® Mastercard® is a good credit card for people with poor or no credit.

The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

The card charges an annual fee of $75 for the first year ($99 thereafter).

With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.

Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

Read full review

Today Card™ Mastercard® from the Capital Community bank is a credit card tailored for people with a poor credit score who want to rebuild their credit history. The card operates like any other unsecured credit card. Successful applicants gain access to a credit line that does not require a security deposit.

Even though the fees might seem hefty, it isn’t overly excessive. The Today Card Mastercard features an annual fee of $120, which is billed as $10 per month.