Quickly compare top tools for building credit

Tools for Improving Your Credit Score

Good credit doesn’t happen on its own – you need the right tools combined with smart and responsible credit use to improve your credit score. But getting approved for a credit card when you don’t have good credit in the first place can be both difficult and frustrating.

That’s why it’s important to know about the other credit building tools out there that aren’t traditional credit cards or secured cards. If you’re having trouble getting approved for credit — but would like to improve your credit score — keep reading for information about your other options.

Check out the table below to compare credit building tools.

NameDetails
  • Rates: 10.57%
  • Terms: 12 months
  • Rate check: 1-2 minutes
  • No hard credit pull
  • No credit score required
  • No past credit history required
Visit SelfLender
  • No Credit Approval Process
  • Get Credit For Past 2 Years of Rent
  • Easy 3 Minutes Enrollment
  • Improve Your Score In Under 30 Days
  • Amazing Customer Support
Visit RentalKharma

First Progress Platinum Elite MasterCard® Secured Credit Card

  • Annual Fee: $29
  • No minimum credit score
  • No Credit History Required
Apply now

First Progress Platinum Select MasterCard® Secured Credit Card

  • Annual Fee: $39
  • No minimum credit score
  • No Credit History Required
Apply now

First Progress Platinum Prestige MasterCard® Secured Credit Card

  • Annual Fee: $49
  • No minimum credit score
  • No Credit History Required
Apply now

Primor® Secured Visa Gold Card

  • Annual Fee: $49
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
Apply now

UNITY® Visa Secured Credit Card

  • Annual Fee: $39
  • Build your credit with monthly reporting to all 3 major credit bureaus
  • No Minimum Credit Score required
  • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
Apply now

Capital One Secured Mastercard

  • Annual Fee: $0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • 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
Apply now

*All rates, terms and other student loan related information listed on the Student Loan Hero website and blog is provided without warranty or guarantee and is not intended to legally bind Student Loan Hero or the lenders listed on Student loan Hero. The rates and terms listed for each lender are estimates and will change depending on your credit profile and other information you provide to lenders (for instance, you will only be entitled to a lower rate if you have a good credit rating). Student Loan Hero is not a lender and is not involved in the lender loan approval process. Should you require a loan offer, please visit the lender’s website and review their terms and conditions for more details.