Starting to build credit in the U.S. can feel overwhelming, especially if you’re new to the system. But with the right credit card, you can begin building a solid credit history—essential for getting approved for loans, renting apartments, and even landing certain jobs. Here are five of the best credit cards to help you get started, with a focus on ease of use, safety, and real benefits.
1. Discover it® Secured Credit Card
The Discover it® Secured is perfect for first-time credit users. It requires a refundable security deposit starting at $200, which acts as your credit limit. Unlike many secured cards, it offers real cash back. It’s 2% at gas stations and restaurants (up to $1,000 in combined purchases each quarter), and 1% on all other purchases.
Discover reports to all three major credit bureaus (Equifax, Experian, and TransUnion), helping you build credit fast. After seven months of responsible use, you may qualify for an upgrade to an unsecured card and get your deposit back.
2. Capital One Platinum Secured Credit Card
The Capital One Platinum Secured stands out for its low deposit requirement. You could qualify for a $200 credit line with a deposit as low as $49, depending on your credit review.
There’s no annual fee, and the card automatically considers you for a higher credit limit after six months of on-time payments. It also reports to all three credit bureaus, making it ideal for students or newcomers working to establish and build credit in the U.S.
3. Chime Credit Builder Visa® Credit Card
The Chime Credit Builder Card is a unique, no-fee credit builder option that doesn’t require a credit check or interest payments. You’ll need a Chime Checking Account and qualifying direct deposits to start.
You control how much you can spend by transferring money onto the card—making it a safe and flexible way to manage your spending. Like the others, it reports monthly activity to all three major credit bureaus.
4. Petal 1 “No Annual Fee” Visa® Credit Card
For those with limited or no credit history, Petal 1 is a great unsecured card with no request from deposit. It uses your banking history, not just your credit score, to determine eligibility.
You can qualify for a limit of up to $5,000, with no annual fee and even cash back rewards at select merchants. Petal also reports to the major credit bureaus, helping you build your credit while earning rewards along the way.
5. OpenSky® Secured Visa® Credit Card
If you’ve struggled with credit in the past, the OpenSky® Secured Visa® might be your best bet. There’s no request for credit check, and you can start with a $200 deposit.
It comes with a $35 annual fee, but it’s a reliable option if you need guaranteed approval and want to start building credit immediately. Like the others, it sends monthly reports to the credit bureaus.
Which Card Should You Choose?
The best credit card for you depends on your current financial situation and goals. If you’re just starting out and can afford a deposit, cards like the Discover it® Secured or Capital One Platinum Secured are smart picks. If you’d prefer not to tie up money in a deposit, Petal 1 or Chime offer alternative paths with strong features.
No matter which card you choose, the key to building credit is simple. Pay your bills on time, keep your balance low (ideally under 30%), and monitor your credit score regularly. Over time, these habits will help you unlock better rates, higher limits, and greater financial freedom.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
https://www.petalcard.com/petal-1
Read more about credit cards in https://boisla.com/category/credit-cards/
