Hey WalletHubbers! Today we’ll go over how to find the best credit cards to build credit. The easiest way is to check out WalletHub’s editors’ latest picks for the top credit cards for building credit, which you can do by clicking the button here.
Credit card offers change frequently, and our editors are always on the lookout for the best deals. But you should keep a couple things in mind before applying for a credit card to build your credit with.
There are two kinds of cards that can do the job: secured credit cards and unsecured credit cards. We recommend picking whichever offer has the lowest fees. In most cases, that will be secured cards.
A lot of them have no annual fee, and they give you the highest chance of approval because they require a refundable security deposit that doubles as your spending limit. There is an exception, though.
If you’re a student who is new to credit, you’re better off getting a student credit card than a secured card. Student credit cards are a great deal and provide a lot of savings while you build credit, thanks to low fees, no deposit requirement, and solid rewards.
Rewards and other perks are nice, but the most important thing for people building creditis to compare offers based on fees, after you’ve narrowed down your options to those you should be able to qualify for, of course.
Credit card fees are non-refundable, and improving your credit at the lowest cost is what’s important right now. So finding a card with low, or no, fees should be your plan.
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So, with those things in mind, you can compare the best credit cards for building credit on WalletHub today to find the right one for you! And as you build credit, you’ll be able to qualify for better and better offers. That means your wallet will thank you for checking for an upgrade every so often.