Before granting you a loan or financing, companies, businesses, and financial institutions verify your credit score as a consumer (the well-known credit score). As a result, persons seeking credit cards with a known low credit score should be patient.

Your credit score is only one aspect of your financial health, but it can have a significant impact on your finances and in your life. When you seek credit, a low credit score can mean paying higher interest rates and fees or even not being approved at all.

With bad credit, you can get a credit card but it won’t be one of the ones that promote generous rewards or unique benefits. Instead, it will be a really basic card. And that is okay. You won’t have to rely on this card indefinitely. The goal is to use it to develop or rebuild your credit before moving on to a more suitable product.

If your credit score is poor or fair, taking measures to improve it can help you qualify for loans with better rates and terms. Fortunately, some credit cards can help you grow credit over time, either by making it easier to get approved or by providing particular credit-building benefits.

This list of the best credit building cards was produced by Forbes Advisor.

Even if your credit score is low, you can discover the best credit card for your needs. Compare your options and seek the assistance you require to better your financial situation.

For people who do not have a credit score, this can be a great card as it does not require a previous credit record. You can even get cash back rewards with this card, which is something that is not so common with other similar credit build credit cards.

The Secured Mastercard® from Capital One requires a refundable security deposit. Your credit limit will be equivalent to your deposit on most secured cards, but this card allows customers who qualify for a smaller deposit to apply.

This card has no fees at all, no foreign transaction fees, annual fees, and others. So, this can be a great card for those who are building credit. Also, this card does not require that you have a credit score. And even with all of that, you can get cash back with this card.

With this card, you might get approved if you have average, limited, or no credit history at all. And also you can get cash back rewards of a 1.5% rate. And you can get more credit in up to 6 months after creating your account.

This credit card is a great choice for people who need to rebuild their credit. Even though it has an annual fee, it has a lower variable APR in comparison with other similar cards. And also you can get this card even if you do not have a bank account.

This card can be great for those who have limited or fair credit scores. And this can be a great low-cost option for you if you want to rebuild credit.

For students who want to build solid credit while in college, we recommend the Discover it® Student Cash Back. To apply, you must be at least 18 years old and a US citizen.

Even though you will not earn rewards, you can get a credit line of $300 – $1,000. There is only one annual fee and no other.

This card is also great for those with a poor credit score and it has a fair variable APR and a $0 annual fee. Even though you have some other relatively high fees, you can choose your due date.

With the introduction of fintech to the market, consumers that have fewer credit points now have some banking options. Traditional institutions, also called banks, have also launched products aimed at this type of audience in order to compete with fintech.

It is feasible to determine the likelihood that you will be unable to pay any expenses over the following 12 months using the score. Around 700 points are the ideal score for registration to be accepted quickly by a credit card company. But, of course, it all depends on that company’s requirements.