Best Credit Cards for No Credit: 2018

Brendan Harkness

Brendan Harkness

Updated Sep 24, 2018

If you don’t have any credit yet, it might seem hard to take that first step towards building a credit history. How can you be approved for a credit card if you don’t have any credit reports to check?

There are actually quite a few options for you:

  • Secured credit cards: Designed for people with bad, limited, or no credit. Easily accessible but require a refundable security deposit.
  • Unsecured credit cards: Some unsecured cards are designed for no or very little credit, but these are not very common.
  • Retail store cards: Often easy to get, but depending on the card issuer they might have some downsides too.
  • Other methods: Building credit isn’t all about having credit cards. You can also consider becoming an authorized user or taking out a credit builder loan, for example. If you’re an immigrant to the U.S. without a SSN, consider a personal loan from Stilt.

Top 3 Secured Credit Cards for No Credit

  • 2% cash back at gas stations and restaurants, up to $1,000 spent per month
  • Double cash back the first year
  • Security deposit of $200 to $2,500
  • No annual fee

Read more and see why we picked this card below

 

  • Access a higher credit line after making the first five monthly payments on time
  • Security deposit of $49 to $2,500
  • No annual fee

Read more and see why we picked this card below

 

  • Security deposit of $300 to $10,000
  • Must have a Wells Fargo checking or savings account
  • $25 annual fee

Read more and see why we picked this card below

 

Top 3 Unsecured Credit Cards for No Credit

  • 1% cash back on all purchases (1.25% back when you pay on time)
  • Anyone can apply, student or not
  • No annual fee

Read more and see why we picked this card below

 

  • Mastercard Platinum benefits, including Cell Phone Insurance
  • Credit line up to $1,500
  • $39 annual fee
  • No credit check, but requires connecting a bank account

Read more and see why we picked this card below

 

  • Designed for immigrants and professionals arriving in the U.S. with no credit history
  • Applicants can qualify if relocating to the U.S. within 60 days
  • No annual fee
  • No SSN required to apply (it will be required later)
  • No credit check

Read more and see why we picked this card below

 

The Best Secured Credit Cards for No Credit

Best Secured Cards For Card
Earning Rewards, No Annual Fee Discover it® Secured Credit Card (Review)
Low Security Deposit Capital One® Secured Mastercard® (Review)
High Credit Limit Wells Fargo Secured Visa Card
No Bank Account Required Citi Secured® Mastercard® (Review)
No Credit Check Required Various Cards
Military Members and Families USAA Secured Card® Platinum Visa® (Review)

Read more about our picks for the Best Secured Credit Cards for No or Bad Credit

Earning Rewards, No Annual Fee

The Discover it® Secured Credit Card (Review) is our pick for the best secured card. Rather than punishing you for having no credit, this card actually has a decent rewards program.

You’ll need to make a minimum security deposit of $200, with a maximum of $2,500.

Discover will review your account every 8 months. If they see responsible card use, on this and other accounts, they may return your security deposit and allow you to keep using the card.

There isn’t an option to upgrade the Discover it Secured to an unsecured card. Instead, you need to just apply for a different Discover card as usual.

Discover it® Secured Credit Card
Apply Now

Discover it® Secured Credit Card

For People with
Bad Credit

  • Annual Fee: $0
  • Interest Rate: 24.24% Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back at restaurants and on gas - up to $1,000 per quarter.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

Rewards

Spending Rewards
  • 2% cash back on the first $1,000 spent per quarter at:
    • restaurants
    • gas stations
  • 1% cash back on all other purchases
  • Discover Deals: 5–50% cash back at a variety of retailers
Signup Bonus Offer
  • Cashback Match: New cardmembers get double the cash back earned in the first year

Other Key Terms & Features

  • 6-month 10.99% intro balance transfer APR (very rare for a secured card)
  • Discover Deals shopping portal: Discounts and cash back at many retailers, like Auntie Anne’s, Lyft, and L.L.Bean.
  • FICO Credit Scorecard: Keep tabs on your FICO 8 Credit Score, based on your TransUnion report, and get tips to improve your credit scores.
  • Price Protection: Get reimbursement if you find an item you bought being advertised for a lesser price.
  • Social Security Number Alerts: Notifications if your SSN is found on any thousands of risky websites.
  • No foreign transaction fees
  • No annual fee

Read more in our Review of the Discover it Secured Credit Card

Low Security Deposit

The Capital One® Secured Mastercard® (Review) is a good pick if you want to pay the lowest security deposit possible.

Depending on your creditworthiness — such as income and rent payments — you’ll be given a minimum required security deposit. This will be one of the following:

  • $49
  • $99
  • $200

No matter which amount you’re required to deposit, you’ll end up getting a $200 credit limit. So you may end up paying just $49 for a $200 limit, if they decide you’re worth the risk. Or you may have to pay $200 to get a $200 limit, which is the normal offer for most secured cards.

The maximum security deposit for the Capital One Secured card is $1,000.

Capital One® Secured Mastercard®
Apply Now

Capital One® Secured Mastercard®

For People with
Bad Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% Variable
Quick Card Facts
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Wise
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Other Key Terms & Features

  • Increase your credit limit: Access a higher credit line after making the first five monthly payments on time.
  • CreditWise Credit Monitoring: View data from your TransUnion credit report, and see your VantageScore 3.0 based on that report.
  • No foreign transaction fees
  • No annual fee

Read more in our Review of the Capital One® Secured Mastercard®

High Credit Limit

Most secured cards have relatively low maximum credit limits, in many cases under $3,000. But the Wells Fargo Secured Visa Card is different, accepting a security deposit of $300 to $10,000.

So you’ll have more potential spending power than other secured cards. A Wells Fargo checking or savings account is required to apply for this card. But if you need a secured card with a high credit limit this will be your best option. If that’s the case it might be worth opening an account with Wells Fargo.

Wells Fargo Secured Visa Card
Apply Now

Wells Fargo Secured Visa Card

For People with
No Credit

  • Annual Fee: $25
  • Interest Rate: 18.99% (Variable)
Quick Card Facts
  • Emergency Card Replacement
  • Free Online Credit Education Courses
  • Choose Your Due Date
  • Verified by Visa®: Protect your card with a unique password.

Other Key Terms & Features

  • Upgrade path: Wells Fargo will check your account periodically to see if you qualify for an upgrade to the Wells Fargo Platinum Visa.
  • 3% foreign transaction fee
  • $25 annual fee
See more secured card recommendations in the Best Secured Credit Cards for Bad, Limited, or No Credit.

The Best Unsecured Credit Cards for No Credit

Best Unsecured Cards For Card
No Annual Fee Journey® Student Rewards from Capital One® (Review)
Easy Acceptance Deserve Classic Mastercard (Review)
Immigrants and Relocating Professionals CreditStacks Mastercard (Review)

No Annual Fee

You don’t need to be a student to apply for the Journey® Student Rewards from Capital One® (Review), despite the name.

This card is designed for average credit. But you may have a chance of being approved with no credit history, especially if you have a high income and solid employment history.

Journey® Student Rewards from Capital One®
Apply Now

Journey® Student Rewards from Capital One®

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% Variable
Quick Card Facts
  • Earn 1% cash back on all purchases, pay on time and that goes up to 1.25% cash back
  • Higher credit line after making first 5 payments on time
  • No annual fee
  • Made for students with limited or no credit
  • 24.99% APR for purchases and balance transfers
  • No foreign transaction fees
Spending Rewards
  • 1% cash back for every purchase
    • pay on time and that goes up to 1.25% cash back

Other Key Terms & Features

  • Increase your credit limit: Access a higher credit line after making the first five monthly payments on time.
  • CreditWise Credit Monitoring: Keep tabs on your TransUnion credit report, and see your VantageScore 3.0 based on that report.
  • Minimum credit limit: $300
  • No foreign transaction fees
  • No annual fee

Read more in our Review of the Journey Student Credit Card from Capital One

Easy Acceptance

The Deserve Classic Mastercard (Review) was designed for people without credit histories. It doesn’t require a credit history to qualify, although they may run a credit check when you apply.

In addition to the normal criteria, Deserve will also check factors such as the following:

  • education
  • earning potential
  • future employability

So you’ll have a better chance of approval than most cards, without having to make a security deposit. This is a pretty basic card, without any rewards, but it’s a good option to help establish a credit history.

Take note that Deserve will need to connect to your bank account to check the balance. If you’re concerned about privacy or security this may not be up your alley. This is a bit odd and we haven’t heard of other issuers doing this, but it seems logical since Deserve bases its decision on more than just an applicant’s credit history.

Deserve Classic Mastercard
Apply Now

Deserve Classic Mastercard

For People with
No Credit

  • Annual Fee: $39
  • Interest Rate: 24.74% Variable
Quick Card Facts
  • Build credit history
  • No security deposit or co-signer required
  • Credit limit up to $1,500
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits

Other Key Terms & Features

  • Lemonade Insurance rebate: Get a $10 statement credit after making three consecutive payments to Lemonade Insurance with your card.
  • Feather Furniture discount: Pay with your card and use code DESERVE100 to get $100 off your first month’s rental from Feather rentals.
  • Mastercard Platinum benefits: Including Cell Phone Insurance, Price Protection, Roadside Assistance, and more.
  • Maximum credit limit: $1,500
  • $39 annual fee

Read more in our Review of the Deserve Classic Mastercard

Deserve issues another card designed for students without credit histories, the Deserve Edu Mastercard (Review). It offers 1% cash back for every purchase, a free year of Amazon Prime Student, and a few other perks that could be useful for college students.

Immigrants and Relocating Professionals

As an immigrant new to the U.S., you probably won’t qualify for most credit cards or loans until you’ve established some credit history. And if you don’t yet have a Social Security number the process could be delayed even further.

The CreditStacks Mastercard (Review) was created as a solution to this problem. It doesn’t require a credit history or SSN to be approved, although you’ll need to get an SSN later on.

You can apply for this card if you’re already in the U.S., or if you’ll be relocating to the U.S. in the next 60 days. If you won’t be relocating within 60 days, you can check to see if you’re pre-qualified for the card by applying as normal.

There’s currently a waitlist to apply for this card, but according to customer service the wait is usually not more than a couple days.

CreditStacks Mastercard
Apply Now

CreditStacks Mastercard

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 16.99% Variable
Quick Card Facts
  • Made for professionals relocating to the U.S., without a traditional credit history.
  • No credit scores, SSN, or U.S. address required to apply.
  • Mastercard Priceless Cities and Airport Concierge perks.
  • Online travel booking service.
  • Shopping and travel protections, including cell phone protection.
  • Credit limit up to $5,000.
  • No annual fee.
  • Use this card responsibly to improve your credit over time.

Other Key Terms & Features

  • Priceless Cities: Exclusive offers and experiences in big cities around the world.
  • Travel and Lifestyle Services: 24/7 access to a travel advisor, discounts and upgrades at airlines and hotels, complimentary perks at select resorts.
  • Airport Concierge: Get a 15% discount on eligible airport concierge services, like meet & greets, expedited security screening, and assistance with documentation.
  • Price Protection: If an item you buy is found being advertised for a lesser price, you can be reimbursed for the difference.
  • Maximum credit limit: $5,000
  • No foreign transaction fees
  • No annual fee

Read more in our Review of the CreditStacks Mastercard

Relocating to the U.S.? You should consider the Deserve Pro Mastercard (Review), which is accessible for highly-paid professionals without credit histories. It offers 3% cash back on travel and entertainment with 2% back at restaurants, for no annual fee.

Is a Credit Card for No Credit Right For You?

If your goal is to establish a positive credit history, credit cards can help you get there. Even starting from nothing, there are some credit card offers that can help get your foot in the door.

Although you won’t qualify for the most valuable and interesting cards, you aren’t stuck with the absolute worst cards either. Having no credit can actually be better than having bad credit when it comes to applying for your first credit card.

You don’t have a history of negative activity weighing you down, which could automatically disqualify you from some card offers. (If you do have a negative credit history, check out some credit cards designed for bad credit.)

It’s important to always use credit cards responsibly, and this is even more crucial when you’re trying to build credit. This is actually pretty simple; the main challenge is being consistent month after month.

When it comes to improving and maintaining your credit scores, here are a few points to remember:

  • Pay your bill on time every month
  • Pay off the full statement balance whenever possible, to avoid accruing interest and keep your utilization low
  • Fully understand the terms of the card agreement so you never violate it

If you can handle these three conditions, you can use a credit card (or cards) to help establish an excellent credit history.

Take some time to read more in our Definitive Guide to Building Credit with Credit Cards. You’ll learn all about how credit cards affect your credit, how to use them to increase your scores, and how to qualify for the best cards on the market.

There’s more to a strong credit history than just credit cards. Check out the other elements that factor into your credit and how to maximize each category for the best credit scores.

Selection Criteria: What Makes a Great Credit Card for No Credit?

  • No or low fees: You may need to pay an annual fee if you’re just starting to build your credit profile, but not in every case. Avoid predatory cards with exorbitant setup or monthly fees.
  • Reports to all three major credit bureaus: To build a credit history your card activity needs to be reported to the major credit bureaus, Equifax, Experian, and TransUnion. All the cards mentioned on this page will report activity in this way.
  • Easy to use: Establishing a credit history doesn’t need to cause headaches. The best credit cards for no credit won’t cause problems when charging to the card, making payments, or checking account information.
  • Reliable customer service: Many issuers that offer cards for people with no credit tend to have poor customer support. Save yourself a lot of trouble by sticking with the major card issuers as much as possible.
  • Rewards: Credit cards for no credit don’t usually offer rewards, but there are a few that do. Rewards aren’t important for establishing a credit history, but they’re a nice bonus.
  • Other perks: Most cards for no credit only come with some basic shopping and travel protections. But in some cases you’ll find some more valuable benefits being offered.

Retail Store Credit Cards

Retail store credit cards can be a decent option for establishing a credit history. However, they also have a reputation for bad customer support, along with issues making payments and shrinking credit limits.

However, the experience you have with a co-branded store card will in large part depend on the issuer of the card. Store cards tend to get a bad rap because many of them are issued by lower-quality credit card companies, who haven’t put the time and money into creating a better customer experience.

Synchrony Bank and Comenity Bank are the issuers of many store credit cards, and we often get complaints from their cardholders. Although some of their cards can be valuable if you frequently shop at the co-branded stores, if you’re just trying to establish credit it would be better to try to avoid these issuers.

You can skirt this problem by looking for store cards that are provided by other issuers. The major credit card issuers don’t offer many store cards, although there are a few. Capital One, Chase, and Citi have some card offers, and there are other issuers besides Synchrony and Comenity that provide store cards as well.

However, take note that just because a store card is issued by a major issuer, that doesn’t mean you’ll get that issuer’s normal customer support. In some cases the customer service may be different than that provided to regular consumer cardholders.

There are two basic types of store cards: closed-loop and open-loop. Closed-loop cards can only be used at the co-branded retailer. Open-loop cards are part of a network (Visa, Mastercard, Amex) and can be used anywhere that card network is accepted.

Here’s a selection of store cards from issuers other than Synchrony.

Capital One

Key Terms & Features

  • 1X point per dollar at Kohl’s with the Yes2You rewards program (equivalent to 1% cash back)
  • 30% discount on your first purchase
  • 12 special discount offers every year
  • Spend $600 in a calendar year to become a Most Valued Customer and get additional perks
  • No annual fee
  • Closed-loop card: can only be used at Kohl’s.

Read more in our Review of the Kohl’s Charge Credit Card

 

Key Terms & Features

  • 10% off your first day’s purchases at Saks
  • 2X points per dollar or more at Saks, depending on member level
  • 3X points per dollar at salons and spas
  • 2X points per dollar at gas stations, grocery stores, and restaurants
  • $25 Saks Welcome Gift Card when you make your first purchase outside Saks
  • Special offers and promotions from Saks
  • Advance notice of sales and invitations to exclusive events
  • No annual fee
  • No foreign transaction fees
  • Open-loop card: use it anywhere Mastercard credit cards are accepted

Read more in our Review of the SaksFirst Mastercard

 

Chase

Key Terms & Features

  • 3% cash back at Amazon.com and Whole Foods Market
  • 2% cash back at restaurants, gas stations, and drugstores
  • $50 Amazon Gift Card upon card approval
  • Visa Signature Luxury Hotel Collection and Concierge Service
  • No annual fee
  • No foreign transaction fees
  • Open-loop card: use it anywhere Visa credit cards are accepted

Read more in our Review of the Amazon Rewards Visa Signature Card

 

Key Terms & Features

  • 5% cash back at Amazon.com and Whole Foods Market
  • 2% cash back at restaurants, gas stations, and drugstores
  • $70 Amazon Gift Card upon card approval
  • Visa Signature Luxury Hotel Collection and Concierge Service
  • Made with metal
  • Requires Amazon Prime subscription
  • No foreign transaction fees
  • Open-loop card: use it anywhere Visa credit cards are accepted

Read more in our Review of the Amazon Prime Rewards Visa Signature Card

 

Citi

Key Terms & Features

  • 5% cash back at Best Buy (Elite Plus members get 6% cash back)
  • 4% cash back on entertainment purchases (until September 2018)
  • 3% cash back on gas (until September 2018)
  • 2% cash back on dining and at grocery stores
  • Either 10% cash back for a single purchase or special financing on the day you’re approved
  • 6, 12, 18, or 24-month special financing offers (in some cases these may be deferred-interest financing offers, which can get expensive)
  • No annual fee
  • Open-loop card: use it anywhere Visa credit cards are accepted

Read more in our Review of the My Best Buy Visa Card

 

Key Terms & Features

  • 4% cash back at gas stations, including Costco gas stations
  • 3% cash back at restaurants and on eligible travel expenses
  • 2% cash back at Costco and Costco.com
  • $20 Costco Cash Card for joining Costco with a new $120 Executive Membership
  • Your credit card is used as your member card
  • No annual fee; Costco membership required, a minimum of $60 per year
  • Open-loop card: use it anywhere Visa credit cards are accepted

Read more in our Review of the Costco Anywhere Visa Card by Citi

 

TD Bank

Key Terms & Features

  • 5% cash back at Target and Target.com
  • 10% Off Coupon on your cardmember anniversary
  • Free standard shipping
  • Get 30 extra days for returns
  • Early access to special events, products, and promotions
  • Exclusive offers for deals and special items
  • No annual fee
  • Closed-loop card: can only be used at Target

Read more in our Review of the Target REDCard Credit Card

 

U.S. Bank

Key Terms & Features

  • 3% cash back at ACE stores
  • 2% cash back at gas stations and grocery stores
  • Visa Signature concierge service
  • No annual fee
  • Open-loop card: use it anywhere Visa credit cards are accepted

Watch Out for Subprime Credit Cards

Subprime credit cards are marketed to people with bad or no credit, and they typically have very high fees and interest rates. Not only that, they tend to have poor customer support, which only makes things worse.

These cards end up being much more costly than others because they add on extra charges that you won’t get from most card issuers. These include:

  • Application fees
  • Setup fees
  • Monthly maintenance fees
  • Credit limit increase fees
  • Paper statement fees
  • Express delivery fees for lost or stolen cards

And you’ll often see APRs of more than 30%, about twice as high as the average for other credit cards.

A few examples of subprime credit cards are:

  • First PREMIER Bank Credit Card: 36% APR, $95 setup fee, annual fee up to $125 the first year, $49 per year after that, monthly fee up to $10.40 after the first year, 25% credit limit increase fee
  • Total Visa Card: 29.99% APR, $89 setup fee, $75 annual fee the first year, $48 per year after that, monthly fee of $6.25 after the first year, can’t use card at gas pumps
  • Surge Mastercard: 29.99% APR Variable, $125 annual fee the first year, $96 per year after that, monthly fee of $10 after the first year
  • Credit One Bank Credit Cards: Annual fee up to $75 the first year, up to $99 after that. 1% cash back. Not the worst card terms but many reports of poor customer service.

Cards like these are expensive because the issuers are trying to take advantage of your lack of credit history. They want to charge you for everything, and if you don’t know better you might think they’re offering a good deal.

These cards almost certainly aren’t worth the trouble. Not only will you end up paying a lot of unnecessary fees, you’ll be dealing with relatively bad customer support. And when it comes to credit card companies, that’s really saying something.

Unless you have a pile of money laying around that you don’t mind wasting, subprime credit cards are usually not worth the cost. Before trying a card with terms like these, consider the other types of cards on this page. And check out a couple other ways to build your credit below.

Other Ways to Build Your Credit

Having a credit card isn’t the only way to establish a credit history. Many financial accounts will appear on your credit reports, including installment loans like school loans, auto loans, and personal loans.

Here, we’ll discuss two other great ways to start building a positive credit history: authorized users and credit builder loans.

Authorized Users

You can become an authorized user on someone else’s credit card, and that card will then show up on your credit reports.

The card activity will be added to your credit reports whether it’s good, responsible card behavior or not. A record of timely payments will help your credit, but late payments and maxed out credit lines will hurt it.

So it’s very important to choose the primary cardholder carefully. Pick someone who understands how to use credit cards properly, and will always pay his or her bills on time.

As an authorized user you can get your own copy of the card, which you can use as you wish. If the primary card earns rewards, your card will earn rewards at the same rate. Some of the card benefits may be shared as well.

The primary cardholder and any authorized users will share the same credit line. All of the charges and rewards associated with the card will appear in the primary cardholder’s account. Authorized users may have some level of access and control, depending on the particular card.

Only the primary cardholder is legally liable for the credit card debt. Authorized users are not legally liable to pay for the debt, even though they can make charges to the card.

Almost every card allows authorized users. If you want to become an authorized user, assure the primary cardholder that you’ll pay for any charges you make to the card, if that’s what he or she wants.

Or, to make the situation less risky for the primary cardholder, you don’t even need to get your own copy of the card. You won’t be able to use the card or access the line of credit, but the activity will still show up on your credit reports. So, you could potentially build your credit as an authorized user without even seeing your credit card.

Some card issuers have age or other restrictions for authorized users. American Express requires authorized users to be at least 13, for instance. You may or may not need an SSN, depending on the issuer. To learn more and get started, you can see detailed instructions for adding authorized users with specific card issuers.

Credit Builder Loans

A credit builder loan is very different from your typical loan. Instead of giving you a large sum immediately, like a personal loan or auto loan, a credit builder loan’s only purpose is to add a positive account to your credit reports.

A credit builder loan must be completely paid off before you get the money. You make a monthly payment for a set number of months, and at the end you get your loan. It’s a bit like a regular loan in reverse.

For a simple example, say you take out a $1,000 credit builder loan. At a monthly payment of $100, you would pay off the loan in ten months. After ten months of payments you would get the full $1,000 returned to you. Some credit builder loans may provide interest on your payments as well, so you might get back more than you put in.

As long as you make every monthly payment on time, this process will add a positive account to your credit history. A record of timely payments will be great for your credit scores, and as this account gets older it will help increase the average age of your accounts — which is also good for your scores.

It may seem like an odd way to use your money, but credit builder loans are an excellent method to increase your credit scores. Just like credit cards, if you use them responsibly they’ll treat you well in turn — but if you’re irresponsible, making late or no payments, this strategy will only set you back.

Read more in our Review of Self Lender Credit Builder Loans

Was this helpful?

The Insider

Susan Shain
What Are the World’s Most Exclusive Luxury Credit Cards? Here Are 8
Susan Shain | Oct 15, 2018

Want to see how the other half lives? Here are the world's most exclusive credit cards — one even has diamonds on it! We also share 3 you can apply for.

Read More
Kat Tretina
Review of the Citi ThankYou® Preferred Card for College Students
Kat Tretina | Oct 11, 2018

The Citi ThankYou Preferred Card for College Students is made for limited credit and offers 2X points on dining and entertainment, plus other benefits.

Read More
Susan Shain
Can You Make a Mortgage Payment By Credit Card? Everything You Need to Know
Susan Shain | Oct 05, 2018

Ready to make a mortgage payment by credit card? Here's how to do so with minimal fees — plus the seven best credit cards to pay your mortgage with.

Read More