Card comparisons

Best credit builder cards

Secured and starter cards designed to grow your score — deposit amounts, annual fees, and graduation paths compared clearly.

2 cards compared · Updated Jul 27, 2026

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  1. Best for Building Credit

    Quicksilver Secured from Capital One

    Credit Builder Credit Cards

    5.0/ 5

    Secured Capital One option aimed at credit rebuilding that pairs everyday cash back with a route to higher limits and an unsecured card upgrade when used responsibly, all with no annual fee.

    Intro Offer
    N/A
    Reward Rate
    1.5% - 5% Cash Back
    Annual Fee
    $0
    • Unlimited 1.5% cash back on every purchase plus 5% on Capital One Travel hotels and rental cars
    • $0 annual fee and no foreign transaction fees
    • Automatic credit limit reviews after responsible use
    • Path to graduate to an unsecured Capital One card and reclaim deposit
  2. Best for No Credit

    Chase Freedom Rise®

    Credit Builder Credit Cards

    5.0/ 5

    No-deposit starter card that lets new or thin-file users earn flat cash back while building credit, with stronger approval odds for existing Chase bank customers and built-in reviews for limit increases and upgrades.

    Intro Offer
    3% cash back on dining
    Reward Rate
    1.5% Cash back
    Annual Fee
    $0
    • 1.5% cash back on all purchases with no expiration while account is open
    • Limited-time 3% cash back on dining up to $6,000 in first 6 months
    • Credit-line review as soon as 6 months and upgrade path after 12 months
    • $0 annual fee plus free credit score tracking