Best Credit Cards to (Re)Build Credit of June 2023

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).

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

The FIT® Platinum Mastercard® Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (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.

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The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

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.

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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%.

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The Petal 2 Card has no fees of any kind and is designed to help you build credit.

The credit limit is from $300 - $10,000.

Grow your credit score with responsible spending and on-time payments.

Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

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

The First Access Visa Card's APR: 34.99%.

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

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The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 29.99% (Variable).

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.

Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

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The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

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

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

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The Milestone Mastercard® is a credit card for people with bad credit.

TheCard's APR is 35.9%. Plus, the card has a cash advance APR of 35.9%.

The credit limit for a Milestone Mastercard® is $700.

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First Latitude Platinum Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

The Card earns 1% Cash Back rewards on payments made to your First Latitude Secured credit card account.

The First Latitude Platinum Mastercard® Secured Credit Card charges an annual fee of $25 for the first year; after that $35 annually. The APR for Purchases is 23.99% (28.99% for cash advances). These APRs will vary with the market based on the Prime Rate.

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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.

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The Merrick Bank Double Your Line® Secured Mastercard® is a good card for people looking to build or rebuild credit.

The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

The APR for purchases is 22.20% (Variable).

Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

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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: 14.74% (Variable for purchases), 23.74% (Variable for cash advances).

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The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

As a secured credit card, the First Progress Platinum Elite Mastercard® Secured Credit Card doesn’t come with any welcome offers, sign-up bonuses or reward rates.

As a Mastercard®-branded credit option, this First Progress Platinum Elite Mastercard® Secured Credit Card is accepted nationwide.

The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

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The Unique Platinum Card is a good option for people with bad credit or no credit.

With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

The card is valid only at My Unique Outlet.

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The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back at select merchants.

The Card has a variable APR ranging from 24.74% - 34.24%.

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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: 22.20% Variable for purchases.

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

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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: 18.74% (Variable for Purchases), 24.74% (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%.

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