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Secured Mastercard® Capital One
Capital One Platinum Secured Credit CardLimited offer
Single mom, Without SSN
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Best Credit Cards to (Re)Build Credit of December 2024

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

Updated December 17, 2024
Advertiser Disclosure Our Methodology
Secured Mastercard® Capital One
Capital One Platinum Secured Credit Card
None
Annual Fee
29.99%
Regular APR
This card doesn't offer cash back, miles or points.
Learn more
on our partner’s site
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
Best pick for...

Best Credit Cards for To build credit in December 2024

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Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Capital One Platinum Secured Credit Card

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Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
2.39
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    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.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
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on our partner’s site
Card detail

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

      Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

      Celtic Bank Reflex® Platinum Mastercard®

      Apply now
      Reflex® Platinum Mastercard®​ Celtic Bank
      Annual fee:
      $75 - $125
      Regular APR:
      35.90% Fixed
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Good (0-739)
        • Issuer name:
          Celtic Bank
        • Details:

          The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 35.90% Fixed.

          With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

          Read full review

        • Pros:
          • All credit scores are welcome to apply
          • Reports to three bureaus
          • Check if you prequalify without affecting your credit score
          • No deposit required
        • Cons:
          • No rewards
          • High APR
          • High annual fee
          • Monthly maintenance fee
          • Additional card fee
          • Foreign transaction fee
        • 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 Reflex 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 Reflex® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        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:
          14.49% 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: 14.49% (Variable for purchases), 23.49% (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:
            • 1% Cash Back rewards on payments;
            • Accepted Nationwide;
            • No Minimum Credit Score;
            • No Credit History Required.
          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:
          22.95% 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 22.95% 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:
            18.49% 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: 18.49% (Variable for Purchases), 24.49% (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:
              • 1% Cash Back on payments made to your First Progress Secured credit card account;
              • Accepted Nationwide;
              • No Minimum Credit Score;
              • No Credit History Required.
            View all First Progress Platinum Select Mastercard® Secured details
            Apply now
            On First Progress’s site
            Card detail

            First Electronic Bank Destiny® Mastercard® best for Unsecured

            First Electronic Bank Destiny® Mastercard®

            Apply now
            Destiny® Mastercard® First Electronic Bank
            Annual fee:
            *see terms*
            Regular APR:
            35.90%
            Our Rating:
            1.47
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                First Electronic Bank
              • 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.

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

              • 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 First Electronic Bank‘s site
              Card detail
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