Build Your Credit Score With a New Credit Card

Credit cards specifically designed for people working to improve their credit.

Choose Your Card Type

Standard Cards

MOST COMMON CHOICE

A traditional credit card with no deposit required, best for people with improving credit who want more flexibility.

Best for

Best if your credit is improving and you want a traditional card experience.

  • No upfront deposit required
  • Approval based on your current credit profile
  • May offer additonal member benefits or rewards
See Standard Cards

Secured Cards

Easiest to Get Approval

A credit-building card that uses a refundable deposit as your credit limit, making approval easier.

Best for

If approval certainty matters and you’re rebuilding from recent challenges or establish credit from scratch.

  • Refundable security deposit sets your limit
  • Easier approval with limited or damaged credit
  • Designed to help build positive payment history
See Secured Cards

Both card types report to credit bureaus and can help improve your credit when used responsibly.

Standard Cards

Credit Cards to Keep Building Your Credit

Unsecured credit cards designed for people with less-than-perfect credit who are ready for more flexibility.

$1,000 Credit Limit

Credit Limit

$1,000

APR

35.90%

Annual Fee

$250 The first year

$99 Annually thereafter

Monthly Fee

$0 The first year

$231 annually thereafter, billed $19.25 each month

Milestone® Mastercard®

  • Guaranteed $1,000 credit limit if approved.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Don’t Have Perfect Credit? No Problem!
  • Join over a million consumers who are working on building their access to credit.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
  • No security deposit, and a path to better credit.

     

Apply Now

*The Milestone Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard. Applications are subject to issuer review and approval.

Credit Limit

$700

APR

35.90%

Annual Fee

$175 The first year

$99 Annually thereafter

Monthly Fee

$0 The first year

$150 annually thereafter, billed $12.50 each month

3% Cashback Rewards on first $5000 in gas, grocery, restaurant & mobile phone purchases*

Destiny® Mastercard®

  • A rewards card for people with less-than-perfect credit!
  • Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
  • A guaranteed $700 credit limit to help you build access to credit, if approved.
  • With Cashback Rewards, you get to live like an A-lister. 
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard. 
  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
  • No security deposit required—get started today!
Apply Now

*The Destiny Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard. Applications subject to issuer review and approval. See application for complete Cashback Rewards terms.

$1,000 Credit Limit

Credit Limit

$1,000

APR

35.90%

Annual Fee

$250 The first year

$99 Annually thereafter

Monthly Fee

$0 The first year

$231 annually thereafter, billed $19.25 each month

Indigo® Mastercard®

  • Get the credit limit you deserve—$1,000 guaranteed if approved
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Get the credit you deserve, even with less-than-perfect history.
  • Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Don’t Have Perfect Credit? No Problem!
  • No security deposit, just purchasing power.
Apply Now

*The Indigo Mastercard is issued by Celtic Bank pursuant to a license from Mastercard. Applications are subject to issuer review and approval.

Secured Cards

Credit Cards for Establishing or Rebuilding Credit

Secured credit cards to help you establish or rebuild credit, with a refundable security deposit.

Build Your Credit with Self.
No Hard Credit Check

Build Your Credit with Self.
No Hard Credit Check

$1,000 Credit Limit

The Secured Self Visa® Credit Card 1

Whether you’re starting from scratch or rebuilding, Self offers two powerful tools to help you take control of your credit. A strong credit score unlocks financial opportunities like better loan rates, credit cards, and even improves your job prospects, as many employers check credit reports.

To boost your score, focus on paying bills on time, keeping credit card balances below 30% of your limit, and checking your credit report for errors. Protecting your identity from fraud is crucial, as it can damage your credit. If your score needs repair, credit rebuilding services can guide you. Explore the tools below to start building your credit and establish a stronger financial foundation!

Start building your credit with a secured card that reports to all three major credit bureaus.

  • No hard credit check ²
  • Fund your card with a minimum $100 security deposit.
  • Use it anywhere Visa® is accepted in the US.
  • $0 annual fee for the first year only ³ 
Get Started

1 The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

2 Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

3 $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

The Secured Self Visa® Credit Card

The Secured Self Visa® Credit Card

Credit Limit

$1,000

APR

27.99%

Annual Fee

$0 The first year

$25 Annually thereafter

Monthly Fee

$0

Security Deposit

$100 Minimum

  • No credit check or credit history required to apply. 
  • Fund your card with a minimum $100 security deposit.
  • Use it anywhere Visa® is accepted in the US.
Get Started

*The Milestone Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard. Applications are subject to issuer review and approval.

Smart Credit Solutions

A strong credit score unlocks better financial opportunities, including access to loans, credit cards, and mortgages with lower interest rates. It also enhances financial flexibility, making it easier to rent a home, secure utilities, and even improve job prospects, as many employers check credit reports. By improving your credit score, you can strengthen your financial foundation and secure more favorable terms in both personal and professional areas. To boost your score, focus on responsible financial habits: pay bills on time, keep credit card balances below 30% of your limit, and avoid opening too many new accounts.

Regularly checking your credit report for errors and disputing inaccuracies ensures your score accurately reflects your financial standing. Protecting your identity from fraud and theft is also critical, as these can damage your credit. If your credit score needs repair, credit rebuilding services can guide you in the right direction. Explore our options below to find the best solution for improving your credit!

From Our Learning Center

Taking Control of Credit Card Debt

Understanding and Improving Your Credit Score Over Time

Strategies for Reducing Household Expenses and Increasing Income

Let’s Find the Right Credit Solution for You

Credit Saint

  • Human credit experts you can talk with
  • Industry leading 90-day 100% money back guarantee
  • Recognized by CNBC as the best in the space
  • #1 ranked company for challenging inaccurate credit data
  • BBA A accredited business (highly rated)
  • In business for since 2015
View Plans
$20 off first work fees

Credit Squad

  • 1B Score Tracker
  • Real Time Inquiry Notifications
  • Change of Address Monitoring
  • Early Warning Account Take Over
  • Education Center
  • Full Service ID Restoration
  • Lost Wallet Replacement
Get Started

Rent & Bill Reporting, At No Cost

Leverage your existing monthly payments to build credit — at no cost.

  • Report your rent payments to all three credit bureaus at no cost.* 

  • Add up to 24 months of past payments with LookBack. +

  • Optional add-on: Report cell phone and utility bills for $6.95/month. ~

  • No credit card or credit check required to get started.

  • Payments typically report within 36 hours to credit bureaus. ^

Get Started

* Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments.

+ Active subscription and eligibility required.  LookBack products reports up to two years of previous payments for a one-time fee.

~ Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.

^ Payments typically reported in 25-36 hours and may take two weeks or more to appear on your credit report.

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