Credit Cards (US)

Best cards for building credit scores fast: 8 excellent options

Check out the 8 best credit cards for building credit scores fast!

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by Aline Augusto

Published on 09/01/2022

Building credit score: the best credit cards available

These cards will help you build a strong credit score fast! Source: Freepik.
These cards will help you build a strong credit score fast! Source: Freepik.

Building a credit score might be a challenging and slow task, but we’ll show you the best cards for building credit scores fast.

However, it is essential to establish stable financial health and creditworthiness in order to get fantastic products and services and grow.

No matter if you need a loan or another type of line of credit or even if you just want to enjoy exclusive benefits offered by premium cards. In case you have a poor credit score, the dream might be far from you.

That’s why it is crucial to develop a way to build your credit and history. Therefore, we have made a list of the eight best cards for building credit scores fast – if you manage to use them responsibly. 

woman holding a credit card, she uses a credit card to pay for goods and services online

4 best secured cards for raising your score!

If your credit score needs a boost, you can get a secured card to help you build it! Read our post to find a list of the best secured cards for raising your score!

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Credit-building credit cards: 8 best credit cards for building credit scores fast

Using a credit card is one of the best ways to build a credit history. Source: Freepik.
Using a credit card is one of the best ways to build a credit history. Source: Freepik.

I bet you have already wondered: what if you could apply for a premium credit card e get the approval you want to enjoy the unlimited perks?

In case you don’t have at least a good credit score that dream won’t happen anytime soon.

On the other hand, you can always work on building your credit with the right tools. And today, we have made a list of the best cards for building credit scores fast that will help you improve your overall punctuation.

But, remember, you must use them responsibly. Otherwise, you will add another risk to your finances.

1. Discover it Secured Credit Card

Discover It features many credit cards, and one might fit your needs. Most of the best credit cards for building credit scores fast are secured credit cards.

There is no credit check, and it offers the possibility of pre-approval.

The card reports to major credit bureaus and doesn’t charge any annual fees.

Also, the security deposit is refundable and starts at $200.

In addition, the Discover it Secured Credit Card offers rewards of up to 2% cash back on all purchases.

A secured credit card is the best choice if you want to build credit scores fast by using the card responsibly.

Therefore, considering this Discover it Secured Credit Card is worth it!

2. Discover it Student Cash Back

On the other hand, if you are a student with the need to build a credit history, a Discover it Student Cash Back might be a great option for you.

Besides the zero annual fees, this card offers an amazing rate of rewards: up to 5% cash back on all purchases.

There is no credit check in the application, and you can start building a credit history right away!

Discover it® Student Cash Back credit card com estampa de cachorro fundo cinza

How to apply for a Discover it® Student Cash Back?

Discover it® Student Cash Back card is great for students with poor credit history, and it offers rewards and no annual fee. See how to apply!

3. Discover it Student Chrome

Another option for students who want to build credit scores fast is the Discover it Student Chrome. The card focuses on rewards for eligible purchases like gas and groceries.

There is no annual fee whatsoever, and it provides a 0% introductory APR for six months on purchases.

Furthermore, you can choose the card design that better fits your profile.

How to apply Discover it® Student Chrome card

The Discover it® Student Chrome credit card is a good choice for students who need a start in financial planning. See how to apply for it now!

4. Capital One Platinum Secured Credit Card

Capital One also features several cards, so you can choose which fits your needs better. The Platinum Secured Credit Card offers pre-approval with no harm to your credit and doesn’t charge an annual fee.

In addition, it provides a flexible and refundable security deposit and many tools for you to build your credit score.

The Capital One Platinum Secured Credit Card reports to all three major credit bureaus, besides the fact that it gives you many benefits, including no Foreign Transaction fees, $0 Fraud Liability, 24/7 Customer Service, and much more.

5. Capital One Platinum Credit Card

Use these cards responsibly, and you'll improve your credit score. Source: Freepik.
Use these cards responsibly, and you’ll improve your credit score. Source: Freepik.

On the other hand, if you want a traditional unsecured credit card, Capital One offers the Capital One Platinum Credit Card, a card that considers fair credit scores and offers pre-approval.

There is no annual fee and no foreign transaction fee.

Also, it provides more benefits than the secured option, including the Capital One Travel program that allows you to access better trip options and flexibility to pay with rewards.

6. Petal 1 “No Annual Fee” Visa Credit Card 

Petal offers good credit card options for those who want to build credit quickly. The Petal 1 “No Annual Fee” Visa Credit Card has no annual fee and features up to 10% cash back at eligible merchants.

The credit limit ranges from $300 to $5,000.

Also, there is no foreign transaction fee, and you can set up an AutoPay option for you to not miss a payment.

Pessoa usando cartão Petal 1 Visa credit cardem maquininha de pagamento por aproximação

How to apply Petal® 1 "No Annual Fee" Visa®?

Petal® 1 "No Annual Fee" Visa® Credit Card is an unsecured card that offers cash back with no annual fee. Check out how to get yours!

7. Petal 2 “Cash Back, No Fees” Visa Credit Card 

The second choice offered by Petal is the Petal 2 “Cash Back, No Fees” Visa Credit Card. Besides the fact that it helps you build a credit score faster, this card has no fees at all.

Furthermore, it offers up to 10% cash back at eligible merchants.

Cartão Petal 2 Visa® e celular

How to apply Petal® 2 "Cash Back, No Fees" Visa®?

Earn rewards and pay no fees with a Petal® 2 "Cash Back, No Fees" Visa® Credit Card! Check out how to apply for it!

8. Blue Cash Everyday Card from American Express

Last but not least, a fantastic American Express credit card for you to build your credit score while enjoying the benefits.

The Blue Cash Everyday Card from American Express has no annual fee and offers introductory APR and up to 3% cash back on all purchases.

In addition, you get a full package of benefits from Amex, including Purchase Protection, Fraud Protection, Pay It Plan It, American Express Experiences, and more.

Blue Cash Everyday credit card fundo com desenho de cartões

How to apply for a Blue Cash Everyday®?

Earn cash back with no annual fee with a Blue Cash Everyday® card! Learn how to apply for it!

Recommendation: What you need to know about credit scores and loans

Credit cards work like loans. Basically, a bank lends you an amount of money for you to pay it off during a period of time with some conditions.

Also, depending on your credit score, you might be able to get better conditions or not. 

In general, the higher your credit score is, the better terms will be presented to you. Furthermore, the higher your chances of approval.

That’s why it is important to understand all about credit scores and loans. Creating good financial habits might help you get a fantastic consumer profile.

credit score credit report application approved

What you need to know about credit score and loans

What you need to know about credit scores and loans is here! Learn how your credit score affects the odds of you getting approved for a loan!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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