Top 5 Best Credit Cards for Building Credit in 2025

1. Discover it® Secured Credit Card
Best for: Cash back rewards while building credit

• ✅ No annual fee
• ✅ 2% cash back at gas stations and restaurants
• ✅ Reports to all 3 credit bureaus
• ✅ Automatic review for upgrade to unsecured after 7 months

● 💳 Security deposit:$200 minimum

👉 Why it’s great: One of the only secured credit cards that gives cashback rewards!

2. Capital One Platinum Secured Credit Card

Best for: Flexible deposit and trusted bank

• ✅ No annual fee
• ✅ Deposit as low as $49
• ✅ Credit line increase with responsible use
• ✅ Reports to Experian, Equifax, and TransUnion

👉 Why it’s great: Excellent option if you want to start small with your deposit.

3. Chime Credit Builder Visa® Card
Best for: No fees and modern app tools

• ✅ No annual fee, no interest, no credit check 
• ✅ No minimum deposit
• ✅ Requires Chime Checking Account with qualifying direct deposit
• ✅ Reports to all 3 credit bureaus

👉 Why it’s great: One of the most innovative starter credit cards with no risk of overspending.

4. Petal® 2 “Cash Back, No Fees” Visa
Best for: No deposit + cash back

• ✅ No annual fees or deposits
• ✅ 1%–1.5% cash back
• ✅ Uses cash flow underwriting if you have no credit score
  ✅ Reports to all major bureaus

👉 Why it’s great: Perfect for new credit users who don’t want a secured card.

5. OpenSky® Secured Visa® Credit Card
Best for: No credit check approval

• ✅ Low annual fee: $35
• ✅ Reports to all credit bureaus
• ✅ No credit check required to apply
• ✅ Choose your deposit (starting at $200)

👉 Why it’s great: Good choice if you’ve been denied elsewhere due to poor credit.