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FIT™ Platinum Mastercard® The Bank of Missouri
FIT™ Platinum Mastercard®Limited offer
Unsecured
Apply now
On Continental Finance site

Best Credit Cards to (Re)Build Credit of May 2025

Compare 92 credit cards to build credit on Myfin.us.

Updated May 02, 2025
Advertiser Disclosure Our Methodology
FIT™ Platinum Mastercard® The Bank of Missouri
FIT™ Platinum Mastercard®
See terms
Annual Fee
35.90%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Continental Finance site
Celtic Bank Surge® Platinum Mastercard®
Surge® Platinum Mastercard®
Celtic Bank
$75 - $125
Annual Fee
35.90%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Celtic Bank‘s site
Revvi Card MRV Banks
Revvi Card
$75
Annual Fee
35.99%
Regular APR
1%
Cash Back rewards^^ on payments made to your Revvi Credit Card.
Apply now
On the Revvi secure website
First Access Visa® The Bank of Missouri
First Access Visa® Card
$75.00 for the 1st year, $48.00 after
Annual Fee
35.99%
Regular APR
1%
Earn 1% cash back rewards on payments made to your First Access Credit Card.
Apply now
On the First Access Visa® Card secure website
Best pick for...

Best Credit Cards for To build credit in May 2025

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FIT™ Platinum Mastercard® best for Unsecured

FIT™ Platinum Mastercard®

Apply now
FIT™ Platinum Mastercard® The Bank of Missouri
Annual fee:
See terms
Regular APR:
35.90% Fixed
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FIT™ Platinum Mastercard® Credit Card helps to rebuild or build your credit.

      The monthly maintenance fee for the second year will be $150 per year ($12.50 per month). The Processing Fee is $95 (one-time fee).

      The FIT™ Platinum Mastercard® Credit Card has an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

      Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Low eligibility requirements
      • Reasonable credit limit
      • No Security deposit
      • Credit Score Access
    • Cons:
      • High extra fees
      • High APR
      • Foreign Transaction Fee
      • No reward program
      • No Sign up Bonus
    • Benefits:
      • $400 Initial Credit Limit;
      • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit;
      • Unsecured credit card requires No Security Deposit;
      • Perfect card for everyday purchases and unexpected expenses;
      • Monthly reporting to the three major credit bureaus;
      • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
      • Use your card everywhere Mastercard is accepted at millions of locations;
      • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
    View all FIT™ Platinum Mastercard® details
    Apply now
    On Continental Finance site
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Celtic Bank Surge® Platinum Mastercard®

    Apply now
    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $125
    Regular APR:
    35.90% Fixed
    Our Rating:
    3.2
    scorer
    Credit score
    No Credit History to Poor (0-579)
      • Issuer name:
        Celtic Bank
      • Details:

        The Surge® Platinum Mastercard® credit card's APR range is 35.90% Fixed.

        This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

        Read full review

      • Pros:
        • Monthly Credit Reporting
        • Free Monthly Credit Score
        • Prequalification Without a Hard Check
      • Cons:
        • High Annual Fee
        • Relatively Low Credit Limit
        • Foreign Transaction Fee
        • Monthly Maintenance Fee After the 1st year
        • High APR
      • Benefits:
        • Up to $1,000 Initial Credit Limit;
        • See if you Pre-Qualify with No Impact to your Credit Score;
        • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit;
        • Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
        • Unsecured credit card requires No Security Deposit;
        • Perfect card for everyday purchases and unexpected expenses;
        • Monthly reporting to the three major credit bureaus;
        • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
        • Use your card everywhere Mastercard is accepted at millions of locations;
        • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
      View all Surge® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail

      Revvi Card

      Apply now
      Revvi Card MRV Banks
      Annual fee:
      $75 for the first year
      $48 after *
      Regular APR:
      35.99% *
      Our Rating:
      4.1
      scorer
      Credit score
      Rebuilding Credit to Fair (0-669)
      • Rewards Rate:
        • 1% Cash Back rewards^^ on payments made to your Revvi Credit Card.
      • Issuer name:
        MRV Banks
      • Details:

        The Revvi Card is designed for people with poor credit or no credit.

        The Revvi Card earns 1% Cash Back rewards^^ on payments made to your Revvi Credit Card.

        The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 35.99%.

        Read full review

      • Pros:
        • Cash Back
      • Cons:
        • Annual Fee
        • Extra Fees
      • Benefits:
        • 1% Cash Back rewards^^ on payments made to your Revvi Credit Card;
        • Reports monthly to all three major credit bureaus;
        • Fast and easy application.
      View all Revvi details
      Apply now
      On the Revvi secure website
      Card detail

      First Access Visa® Card best for Low income

      First Access Visa® Card

      Apply now
      First Access Visa® The Bank of Missouri
      Annual fee:
      $75.00 for the 1st year, $48.00 after
      Regular APR:
      35.99%
      Our Rating:
      4.2
      scorer
      Credit score
      No Credit History to Fair (0-669)
      • Rewards Rate:
        • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
      • Issuer name:
        The Bank of Missouri
      • Details:

        The First Access Visa® Card is a true VISA® credit card that does not require perfect credit for approval.

        The First Access Visa® Card's APR: 35.99%.

        The First Access Visa® Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

        Read full review

      • Pros:
        • Available to those with bad credit
        • Reports to three major credit bureaus
        • Easy application
        • No security deposit
      • Cons:
        • High APR
        • Several fees
        • Low credit limit
      • Benefits:
        • 1% Cash Back rewards on payments made to your First Access Credit Card;
        • First Access Visa credit card accepted nationwide;
        • Rebuild your credit;
        • Easy and Secure Online Application.
      View all First Access Visa® details
      Apply now
      On the First Access Visa® Card secure website
      Card detail

      Total Visa® Card

      Apply now
      Total Visa® Card The Bank of Missouri
      Annual fee:
      $75.00 for the 1st year, $48.00 after
      Regular APR:
      35.99% *
      Our Rating:
      3.32
      scorer
      Credit score
      Rebuilding Credit to Fair (0-669)
      • Rewards Rate:
        • 1% Cash Back on all purchases.
      • Issuer name:
        The Bank of Missouri
      • Details:

        The Total Visa® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.

        The Total Visa® Card's Regular APR is 35.99%.

        The Total Visa® Card allows you to choose your own card design.

        Read full review

      • Pros:
        • Low Requirements
      • Cons:
        • Annual Fee
        • High Regular APR
        • No Intro APR period
        • Extra Fees
      • Benefits:
        • $0 fraud liability;
        • Reports monthly to all three major credit bureaus;
        • Manageable monthly payments;
        • Select your favorite card design for free.
      View all Total Visa® Card details
      Apply now
      On the Total Visa® Card secure website
      Card detail

      Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

      Applied Bank® Secured Visa® Gold Preferred® Credit Card

      Apply now
      Gold Preferred® Secured Visa® Applied Bank
      Annual fee:
      $48 annually
      Regular APR:
      9.99% Fixed
      Our Rating:
      4.23
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Issuer name:
          Applied Bank®
        • Details:

          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

        • Pros:
          • Extremely low regular APR
          • No penalty rate
          • Guaranteed approval
          • Increase your credit limit
        • Cons:
          • No rewards system
          • A lot of fees
          • Can’t upgrade to an unsecured credit card
          • No grace period
        • Benefits:
          • Reports to All Three National Credit Bureaus;
          • Zero Fraud Liability;
          • Refundable Security Deposit;
          • Global acceptance;
          • Emergency card replacement and cash disbursement.
        View all Secured Visa® Gold Preferred® Credit Card details
        Apply now
        On Applied Bank®‘s site
        Card detail

        First Progress Platinum Prestige Mastercard® Secured Credit Card

        Apply now
        First Progress Platinum Prestige Mastercard® Secured Synovus Bank
        Annual fee:
        $49 annually
        Regular APR:
        14.24% Variable
        Our Rating:
        3.8
        scorer
        Credit score
        No Credit History to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back rewards on payments.
        • Issuer name:
          Synovus Bank
        • Details:

          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: 14.24% (Variable for purchases), 23.24% (Variable for cash advances).

          Read full review

        • Pros:
          • Low APR for Purchases
          • No Minimum Credit Score Required
          • Reports to Three Major Credit Bureaus
          • Suitable Range of Credit Limit
        • Cons:
          • High Annual Fee
          • High Transaction Fees on Cash Advance
          • High Penalty Fees
          • Foreign Transaction Fees
        • Benefits:
          • 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;
          • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.
          • All credit types welcome to apply;
          • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
        View all First Progress Platinum Prestige Mastercard® Secured details
        Apply now
        On First Progress’s site
        Card detail

        Merrick Bank Secured Credit Card

        Apply now
        Secured Mastercard® Merrick Bank
        Annual fee:
        $36 for first year. Billed $3 per month thereafter
        Regular APR:
        22.70% Variable
        Our Rating:
        3.2
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Issuer name:
            Merrick Bank
          • Details:

            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 is 22.70% Variable for purchases.

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

            Read full review

          • Pros:
            • Up to $3000 credit limit
            • Reports to three major credit bureaus
            • You don’t need a bank account to apply
            • Access to FICO score
            • Low APR
          • Cons:
            • No rewards or intro offers
            • $200 minimum deposit
            • Extra fees
            • $36 annual fee
          • Benefits:
            • Monthly Reporting to the 3 Major Credit Bureaus;
            • $0 Fraud Liability;
            • Low interest;
            • FICO® Score for Free Each Month.
          View all Secured Mastercard® details
          Apply now
          On Merrick Bank‘s site
          Card detail

          First Progress Platinum Select Mastercard® Secured Credit Card

          Apply now
          First Progress Platinum Select Mastercard® Secured Synovus Bank
          Annual fee:
          $39 annually
          Regular APR:
          18.24% Variable
          Our Rating:
          3.5
          scorer
          Credit score
          No Credit History to Fair (0-669)
          • Rewards Rate:
            • 1% Cash Back on payments made to your First Progress Secured credit card account.
          • Issuer name:
            Synovus Bank
          • Details:

            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: 18.24% (Variable for Purchases), 24.24% (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

          • Pros:
            • No credit history required
            • No Minimum Credit Score needed
            • Low Annual Percentage Rates
          • Cons:
            • Annual Fee
            • Foreign Transaction Fee
          • Benefits:
            • 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;
            • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
          View all First Progress Platinum Select Mastercard® Secured details
          Apply now
          On First Progress’s site
          Card detail

          The Bank of Missouri Destiny® Mastercard® best for Unsecured

          The Bank of Missouri Destiny® Mastercard®

          Apply now
          Destiny® Mastercard® The Bank of Missouri
          Annual fee:
          *see terms*
          Regular APR:
          35.9%
          Our Rating:
          1.47
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

              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.

            • Pros:
              • No monthly fees
              • Prior bankruptcies are acceptable
              • Liability protection
              • No security deposit required
            • Cons:
              • No reward
              • High-interest rates
              • No mobile app
              • Credit limit
            • Benefits:
              • Mastercard® benefits;
              • Fraud protection;
              • Reports to all three major credit bureaus.
            View all Destiny® Mastercard® details
            Apply now
            On The Bank of Missouri‘s site
            Card detail
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