Credit Building Cards are available for all credit scores
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Welcome!
Credit and Cents is your partner in building financial awareness on your journey to financial freedom. In just a mere 10 minutes, you can unlock the potential of our featured credit building cash back credit cards, tailored to various credit profiles.
Featured Credit Cards for All Credit Types:
Our careful selection of credit cards caters to individuals with diverse credit backgrounds, whether excellent, good, average, poor, or new to credit. These cards have been meticulously chosen to assist you in achieving your twin goals of earning cash back rewards and elevating your creditworthiness within a short timeframe.
Credit Card Wisdom:
At its core, a credit card serves as a powerful tool for credit rebuilding. Make informed choices based on your credit profile and financial preferences. Track your credit progress over time, emphasizing responsible card usage (keeping balances low and paying on time every month) as a key factor in credit building and improvement.
Compare and select from our leading credit card options offered by banks including those specializing in credit building with secured credit cards and cash back rewards, so that you can choose the right credit card for your credit journey. All the cards below can be used to make purchases anywhere credit cards are accepted.
If your credit score is over 580 we recommend:
💳 Upgrade Cash Back Credit Cards for Fair/Good/Excellent Credit
Earn Rewards While Building Credit
Upgrade offers two great credit card options that combine cash back rewards with predictable monthly payments—ideal for people with fair credit. These cards offer the flexibility of a credit card with the structured repayment of a personal loan.
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Upgrade Triple Cash Rewards gives 3% cash back on purchases in home, auto, and health categories.
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Upgrade Cash Rewards Card offers unlimited 1.5% cash back on all purchases.
Both cards have no annual fee, report to all three major credit bureaus, and make budgeting easier with fixed monthly payments.
| Credit Card | Ideal For | Highlights |
Upgrade Triple Cash Rewards Visa® | Those with excellent, good or fair credit, looking for cash back or to pay for large purchases in installmentsUnsecured credit card for those with credit scores of 580+ |
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Upgrade Cash Rewards Visa® | Those with excellent, good or fair credit, looking for cash back or to pay for large purchases in installments.Unsecured credit card for those with credit scores of 580+ |
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If you are new to credit or your credit score is in the low to mid 500s, we recommend:
| Credit Card | Ideal For | Highlights |
OpenSky® Plus Secured Visa® Card | Those with poor/limited credit/ rebuilding (no credit check necessary to apply)No annual fee secured credit card with cash back
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OpenSky Launch Secured Visa® Credit Card | Those with poor/limited credit/ rebuilding (no credit check necessary to apply)
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Understanding FICO Credit Score Ranges:
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- Excellent credit: 800 – 850
- Very Good credit: 740 – 799
- Good credit: 670 – 739
- Fair credit: 580 – 669
- Poor credit: 300 – 579
Higher credit scores get lower interest rates (APRs)
🔍 Why Choose Upgrade Cards?
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Ideal for fair credit borrowers
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No annual fees
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1.5%–3% cash back on purchases
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Hybrid structure with fixed payments
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Reports to major credit bureaus
For individuals with Good or Fair credit score (580 +), we recommend the industry differentiating no annual fee credit building cash back Upgrade Visa Cards that provide up to 3% unlimited Cash Back on select categories.
If you have already started building credit, then apply for the Credit Building Cash Back Cards from Upgrade that meets your goal of earning cash back and building credit at the same time.
Upgrade Triple Cash Rewards Visa® Card
Ideal for: Those with fair/average/good credit (and interested in earning up to 3% unlimited cash back on selected categories). Upgrade cards are credit cards + personal loan – all in one.
Apply
The Upgrade Triple Cash Rewards Visa® is an exciting credit card offering from the financial startup Upgrade. Similar to the Upgrade Cash Rewards Visa®, it combines the features of a credit card and personal loan while providing cash-back rewards.
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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
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Unlimited cash back on payments: 3% on Home (Lowe’s, Home Depot, Wayfair etc), Auto (Tires.com, Goodyear etc) and Health (Walgreens, CVS, etc.) categories and 1% on everything else after you make payments on your purchases
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Versatile Usage: This card can be utilized in two ways:
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As a personal loan: Request funds to be deposited into your bank account, up to your credit limit, and repay the loan over a set period with a fixed interest rate and a 5% cash advance fee.
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As a credit card: Make purchases wherever Visa cards are accepted, including Apple Pay or Google Pay. Unpaid balances convert into a fixed-rate loan with equal monthly installments.
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Building Credit with Ease: The Upgrade Triple Cash Rewards Visa® is ideal for those with fair credit (FICO scores of 580 and above). On-time payments are reported to the three major credit bureaus, contributing to the gradual improvement of credit scores
Key Features:
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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
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3% unlimited cash back on every purchase in Home, Health, and Auto categories
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No annual fee
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Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
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Up to 10% cash back from your favorite brands with Upgrade Shopping
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No touch payments with contactless technology built in
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See if you qualify in seconds with no impact to your credit score
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Great for large purchases with predictable payments you can budget for
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Mobile app to access your account anytime, anywhere
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Use your card anywhere Visa is accepted
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Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Points to note:
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The cash back you earn will automatically be applied to your credit card balance each month upon making your credit card payment.
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There is no penalty APR.
Unique Benefits: No security deposit, preapproval without affecting credit scores, fixed monthly payments, and no prepayment penalty.
Who should consider it?
The Upgrade Triple Cash Rewards Visa® offers a unique blend of features, making it an appealing choice for those seeking enhanced cash back or looking to manage interest expenses on purchasing big ticket items, and desiring credit-building opportunities.
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
State Exclusions: Not available in DC, IA, WV, WI, GA, MA. The card is issued by Cross River Bank.
How much cash back can you earn per month using the Upgrade cards? Download our free easy to use Cash Back Calculator.
Upgrade Cash Rewards Visa®
Ideal for: Those with fair/average/good credit and interested in earning unlimited cash back on card purchases. Upgrade cards are credit cards + personal loan – all in one.
Apply
The Upgrade Cash Rewards Visa® stands out for its potential to save you significant money compared to regular credit cards. This card offers appealing features, including a no annual fee, a 1.5% return on all expenses, and the option to deposit your credit line into a bank account.
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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
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Discover Savings: The Upgrade Cash Rewards Visa® stands out for its potential to save you significant money compared to regular credit cards. Your credit card debt is effectively turned into a personal loan with fixed monthly installments and a term limit between 12 and 60 months. This saves you on interest expenses compared to making minimum monthly payments with regular credit cards.
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Cash Back on all purchases – Earn 1.5% cash back on all your credit card purchases – simple and convenient.
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Unlock Financial Rewards and Build Credit: The Upgrade Cash Rewards Visa® can be a good choice for anyone with fair credit (defined by FICO as between 580 and 669) who has had problems being approved for other rewards credit cards.
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Versatile Usage: This card can be utilized in two ways:
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As a credit card: Make purchases wherever Visa cards are accepted, including Apple Pay or Google Pay. Unpaid balances convert into a fixed-rate loan with equal monthly installments.
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As a personal loan: Request funds to be deposited into your bank account, up to your credit limit, and repay the loan over a set period with a fixed interest rate and a 5% cash advance fee.
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Key Features:
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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
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1.5% unlimited cash back on every purchase
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No annual fee
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See if you qualify in seconds with no impact to your credit score
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Combine the flexibility of a card with the predictability of a personal loan
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Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
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Up to 10% cash back from your favorite brands with Upgrade Shopping
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Contactless payments with Apple Pay® and Google Wallet™
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Mobile app to access your account anytime, anywhere
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Use your card anywhere Visa is accepted
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Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Points to note:
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The 1.5% cash back you earn will automatically be applied to your credit card balance each month upon making your credit card payment.
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There is no penalty APR.
Unique Benefits: No security deposit, preapproval without affecting credit scores, fixed monthly payments, and no prepayment penalty.
Who should consider it?
The Upgrade Cash Rewards Visa® is a good fit for individuals with fair credit (FICO scores between 580 and 669), who face challenges getting approved for other rewards credit cards. This includes those individuals who are new to credit or with a history of credit blemishes.
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
State Exclusions: Not available in DC, IA, WV, WI, GA, MA. Cross River Bank issues the card.
Upgrade, Inc. founded in 2016, offers credit and banking solutions, including fixed-rate credit cards and loans. If Upgrade’s credit building cash back cards aren’t the perfect fit for you, explore our secured credit cards, unsecured credit cards, and personal loan options.
Application Process:
Applying for the Credit Building Cash Back Upgrade visa cards is a breeze:
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Submit basic information
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Once you are approved, select continue
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Verify social security number and employment information
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Review agreements
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Link bank account for auto pay
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Card is issued
Confused by which points redemption option is best for your credit card Rewards Program? Use our easy to use and free Points Calculator to help you.
To learn more about building credit fast with secured credit cards, click here.
❓ Upgrade Card FAQs
Is there an annual fee?
No, both cards listed here have no annual fee.
Do they offer real cash back?
Yes—Upgrade applies your cash back as statement credits that offset your balance.
Is it difficult to secure approval for an Upgrade Cash Rewards Visa® or Upgrade Triple Cash Rewards Visa®?
Getting approved for Upgrade credit cards is not a difficult process. Even individuals with fair credit, falling within the FICO score range of 580-669, stand a chance of approval. Additionally, when you submit your application, Upgrade avoids conducting a hard credit inquiry unless your approval is confirmed.
What credit limit can I expect with Upgrade credit cards?
Upgrade specifies that the maximum credit limit for the Upgrade Cash Rewards Visa® is $50,000. However, the majority of approved cardholders typically receive credit limits ranging from $500 to $25,000.
How do Upgrade credit cards differ from traditional credit cards?
Upgrade credit cards uniquely combine a revolving credit line with a conventional personal loan structure. The significant distinction between Upgrade and regular credit cards lies in the payment structure. With Upgrade, your payments are organized to efficiently repay your balance on time. Essentially, your debt transforms into a personal loan featuring fixed monthly installments and a term limit spanning from 12 to 60 months.
Open Savings Connect with just $100. Get the highest rate for all balances!
Credit Building Credit Cards For Individuals With Poor/Limited/No Credit
Secured Card options
🔍 Quick Benefits of Secured Credit Cards:
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Easy approval for fair or limited credit
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Low or no annual fees
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Reports to major credit bureaus
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Helps improve credit scores with on-time payments
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Some offer rewards and upgrade paths
If you’re starting from scratch or recovering from a credit setback, secured credit cards are a powerful tool to rebuild your credit. These cards require a cash deposit as collateral—typically matching your credit limit—making them accessible even with limited or poor credit. By keeping your balance low and paying on time every month, you can effectively boost your credit score and regain financial confidence.
Our Approach to Selecting the Best Secured Credit Cards
In our selection process, we prioritized both accessibility and utility. Since secured cards involve a significant security deposit, we concentrated on options with a low minimum deposit for easier card opening or a high maximum deposit for accelerated credit building. Additionally, we considered cards offering “extras” beyond credit access such as low to no annual fees, pay deposit in installments, and the ability to earn cash back.
Among the credit-building secured cards, our featured OpenSky Plus Secured card has no annual fee, no credit check, and rich cash back.
NEW! OpenSky® Plus Secured Visa® Credit Card – 88% average approval rate1
Ideal for: Those with poor/bad/limited credit (no credit check necessary to apply). Now earn 10% cash back* on everyday purchases.
The application asks your name, address, date of birth, and other basic information. You may be asked to provide your driver’s license or other identifying documents. Once submitted, you’ll receive your approval in real-time.
Apply
If you have a credit score of 629 or lower, the OpenSky® Plus Secured Visa® Credit Card offers significant advantages. Unlike many comparable credit cards, it comes with a $0 annual fee, doesn’t require a bank account for application, and involves no credit check during the application process. This means your credit scores won’t be temporarily impacted.
For individuals who are unbanked or have faced challenges securing credit card approval, these features combine to create a compelling solution. Once your credit score has improved to the low to mid 600 with the OpenSky® Plus Secured Visa® Credit Card you can then apply for other unsecured rewards credit cards like the Upgrade credit cards.
The OpenSky® Plus Secured Visa® Credit Card comes with the following benefits:
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No annual fee – keep more money in your pocket!
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No credit check required – 89% approval rate with zero credit risk to apply!
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Earn up to 10% cash back on everyday purchases
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Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
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Track your progress with free access to your FICO® score in our mobile app
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Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
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Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
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Start with as little as $300 – Secure your line with a refundable security deposit
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Fast and easy application—apply in minutes with our mobile-first experience
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Flexible payment options—pick a due date that works for you
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More time to fund—spread your security deposit over 60 days with layaway
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Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
Is the OpenSky® Plus Secured Visa® Credit Card right for you?
The minimum security deposit requirement of $300 is slightly higher than other secured cards. However, the deposit can be paid in increments, as long as it’s paid within 60 days. You can get that deposit back once you’ve demonstrated responsible card use — such as paying your bill on time. If you are serious about building or rebuilding your credit, then this no annual fee secured card is a decent option.
Just answer a few simple questions, provide some basic information, and click “Submit” to send your form. You’ll receive your approval in real-time.
For a secured credit card with a low security deposit and no credit check:
NEW! OpenSky Launch Secured Visa® Credit Card
The application asks your name, address, date of birth, and other basic information. You may be asked to provide your driver’s license or other identifying documents. Once submitted, you’ll receive your approval in real-time.
Apply
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Start building credit with just $100 – secure you line with a low, refundable security deposit
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No credit check required – 89% approval rate with zero credit risk to apply!
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Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
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Earn up to 10% cash back on everyday purchases
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Affordable payments – minimum payment as low as $10
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Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
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Track your progress with free access to your FICO® score in our mobile app
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Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
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Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
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Fast and easy application—apply in minutes with our mobile-first experience
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Flexible payment options—pick a due date that works for you
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More time to fund—spread your security deposit over 60 days with layaway
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Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
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Opportunities for credit line increases and graduation to our by invitation only unsecured product
Click here to explore additional secured card options
❓ Secured Card FAQs
What is a secured credit card?
A secured card requires a refundable deposit and is designed to help people build or rebuild credit.
Will a secured card help my credit score?
Yes—on-time payments and low credit utilization can lead to score improvement over time.
Can I upgrade to a regular credit card?
This practice varies by issuer. Some issuers automatically upgrade your account as your credit improves while others may require the cardholder to make the request.
Remember, the goal is to view your security deposit as more than just a requirement for credit access; it’s an opportunity for financial growth.
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Top 5 reasons to apply for a secured credit card:
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Building Credit History: Secured credit cards are ideal for individuals looking to establish or rebuild their credit history. By making timely payments and managing their credit responsibly, cardholders can demonstrate creditworthiness over time.
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Limited Credit History: For individuals with limited or no credit history, secured credit cards offer a valuable entry point into the world of credit. These cards provide an opportunity to start building a positive credit history, which is essential for future financial endeavors like renting an apartment or applying for a loan.
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Credit Score Improvement: Those with poor or fair credit scores can benefit from secured credit cards as a means to improve their credit standing. Responsible use, such as keeping balances low and making payments on time, can lead to an increase in credit scores over time.
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Financial Independence: Secured credit cards can empower individuals to take control of their finances and move towards greater financial independence. With responsible use, cardholders can graduate to unsecured credit cards, access higher credit limits, and enjoy lower interest rates.
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Learning Financial Responsibility: Secured credit cards provide an opportunity for individuals to learn important financial skills, such as budgeting, managing credit utilization, and understanding interest rates. These foundational skills are crucial for long-term financial health and stability.
How do I apply for a secured credit card?
Although every issuer processes applications a bit differently, the steps needed for applying and receiving a secured credit card is typically as below. We recommend completing the application process in one sitting and having your debit card and bank information handy for any secured card deposit.
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Research your options and apply for the secured card that best meets your needs. The issuer will evaluate your application through their underwriting process to make the approved/rejected determination.
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Once approved, you will be required to fund the deposit. Before the issuer opens your secured credit card account, you have to pay your security deposit. With some applications, the issuer will request your bank account information to transfer the deposit from your bank if they approve you. Some secured cards like the OpenSky Plus will give you some time to pull together the deposit. It is important that you fund your deposit within the required time frame provided by the credit card issuing bank. If not, your application status will be changed from approved to rejected.
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Your secured credit card is mailed to you. Once you fund the security deposit, the issuer will mail you your card. You can then use it just like any other credit card. Make a few small purchases each month so that you can pay off the balances by your monthly due date. In general, to keep building your credit score, it’s best to use less than 30% of your available credit at any given time.
With the above 3 steps, you are on your way to building and improving your credit history.
How long does it take to receive my credit card after approval?
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Once you apply, and the card’s issuer immediately verifies your identity and ability to pay, they could approve your account right away (for unsecured credit cards). For secured credit cards, once they approve you, and you fund your security deposit, they mail your card to you in a few days.
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Generally, it takes about 7-10 business days from the time they approve your application (and you fund it for secured cards) to send your credit card to you.
Is the secured credit card deposit refundable?
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The secured credit cards listed here offer a refundable security deposit. For the secured credit cards, the card-issuing bank holds the security deposit (equal to your credit limit) in case you don’t pay your bill. However, you do get your deposit back anytime you choose to close the card account in good standing.
Can I transition from a secured card to an unsecured one?
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When your credit improves from bad to average to good, you’ll find that you will be able to qualify for unsecured credit cards with cash back and other rewards.
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After 6-9 months of on time payment, some secured cards like the OpenSky Plus card may review your account for potential upgrade to an unsecured card. When your card program moves (graduates) you to an unsecured card, it returns your security deposit to you.
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Other card programs will allow an increase in credit limit without requiring an additional deposit (i.e. partially unsecured option) after 6-12 months of on-time payments.
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With most issuers, you may have to specifically request an upgrade. If your issuer can’t or won’t upgrade you — also keep in mind that not all secured-card issuers even offer unsecured cards — you can apply for unsecured cards separately with other issuers. The way that would work is that you will close your secured account and receive your security deposit back, and then open a new unsecured account.
Are loan options available for various credit scores?
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Personal loans (or emergency cash) are available for all credit scores. You can use personal loans for almost anything you need, including debt consolidation, unexpected medical expenses, unforeseen emergency cash needs, or making a large purchase..
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It is important that you avoid personal loans that charge atrociously high interest rates. With the rise of fintech and peer-to-peer lending companies there are several lenders servicing various customers across the entire credit spectrum (from poor credit to prime credit), making personal loans cheaper, more accessible, and a tool to build credit with. Click here to see your hassle free Personal Loan options.
❓FAQs – building credit history:
1. Why Does Credit History Matter?
Your credit history makes up about 15% of your FICO score. A longer history gives lenders more information about how you’ve managed debt, such as making payments on time and keeping balances low.
2. How Long to Establish a Fair Credit Score?
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If you’re starting with no credit, you can achieve a fair credit score (600–699) in 1 to 2 years.
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Key habits to follow:
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Pay bills on time.
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Keep your credit utilization low (use less than 30% of your credit limit).
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Avoid unnecessary hard inquiries on your credit report.
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3. How Long to Build Good Credit?
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Moving from fair credit to good credit (700–749) usually takes a few more years.
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Maintaining responsible credit behavior, such as paying on time and managing debt wisely, is essential.
4. How Long to Reach Excellent Credit?
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Achieving an excellent credit score (750 and above) is a long-term goal.
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It typically requires 5–10 years of consistently good habits like:
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Making on-time payments.
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Managing various types of credit (e.g., credit cards, loans).
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Keeping balances low.
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5. What Else Should I Keep in Mind?
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Credit-building timelines vary based on individual circumstances.
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Focus on building good financial habits, such as consistent payments and responsible credit use.
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Your credit score is a snapshot of your financial behavior at a given time, and it will evolve as new information is added to your credit report.
The Path to Credit Improvement
Whether you’re a credit newbie or on a path to rebuilding, our credit cards cater to all credit profiles. Our simple 3-step application process ensures a hassle-free experience, allowing you to swiftly embark on your credit building journey. Choose the card that best meets your credit needs.
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Finish the application in one sitting and get approved
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Use your ATM card to fund your refundable deposit (for secured cards only)
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Receive your credit card in a few days and start building your credit history
Apply today for our diverse range of secured and unsecured credit cards, carefully designed to facilitate credit building and rewards accumulation.
For ongoing credit building insights bookmark our site.
If you are interested in loan options (including receiving emergency cash within one business day or for loans for all credit scores including bad credit), please click here.
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Along with secured cards, please click here for additional strategies that can be implemented to help build (or re-build) credit history fast.
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Sources Used: Issuer websites, ftc.gov.
