Improve Your Credit

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 with the goal of improving your credit score, keep reading for information about your other options.

Check out the table below to compare credit building tools.


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  • 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

Platinum Elite MasterCard® Secured Credit Card

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

Platinum Select MasterCard® Secured Credit Card

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

Platinum Prestige MasterCard® Secured Credit Card

  • Annual Fee: $44
  • No minimum credit score
  • No Credit History Required
Apply now

Primor® Secured Visa Gold Card

  • Annual Fee: $49
  • Fast, easy application process
  • No processing or application fees
  • Low fixed interest rate with no penalty rates
Apply now

UNITY Visa® Secured 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

*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 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.