Build your credit.

Explore a credit card option that fits your credit profile.

Discover offers several cards, including a secured card designed to help people build credit through responsible use.

• Build Credit Through Responsible Use

  Discover’s secured card gives responsible use and on-time payments an opportunity to strengthen your credit history.

• Reporting to All Three Major Credit Bureaus

  Discover’s secured card reports your account standing to Experian, Equifax, and TransUnion.

• Review Your Specific Card Offer

  Discover offers several cards. Review the specific card offered through the link before applying.

Explore a secured card designed for building or rebuilding credit.

OpenSky offers secured credit cards designed for building or rebuilding credit.

• Refundable Security Deposit

  OpenSky’s secured credit cards require a refundable security deposit. Review the deposit requirement for the specific card you choose.

• No Traditional Credit Check

  OpenSky’s secured card options do not require a traditional credit check to apply.

• Build a Positive Payment Record

  OpenSky reports to all three major credit bureaus, allowing consistent on-time payments to help establish a positive payment record.

• Compare Fees and Terms

  Review the annual or monthly fees and other terms for the specific card you choose before applying.

Compare an additional credit card option.

OneCard Essentials combines cash back rewards with everyday payment and account-management features. Explore the offer to decide whether it fits your needs.

• No Annual Fee

  OneCard Essentials has a $0 annual fee.

• No Security Deposit

  The current OneCard Essentials offer does not require a security deposit.

• Cash Back on Everyday Spending

  Earn 3% cash back in eligible gas, grocery, streaming, monthly subscription, and utility categories, excluding Target and Walmart, and 1% on other purchases. Rewards terms and limitations apply.

• Manage Your Card in the App

  View balances, make payments, manage your PIN, and set real-time alerts in the Upgrade app.

• Understand the Application Credit Check

  Applying starts with a soft credit check. If you’re not approved, your credit score is not affected. Approval results in a hard inquiry, which may affect your score.

Explore a secured credit card resource.

Credit Builder Card is a secured credit card marketplace that matches applicants with a card based on their state of residence.

• Reports to All Three Major Credit Bureaus

  The program matches applicants with secured cards that report to all three major credit bureaus: Experian, Equifax, and TransUnion.

• Security Deposit Starting at $200

  A security deposit of at least $200 is required to open the secured card. The deposit is refundable under the card’s terms.

• No Hard Credit Inquiry

  The program advertises no hard credit inquiry and no minimum credit score requirement. Approval remains subject to the issuing bank’s requirements.

• Identity Verification May Be Required

  The issuing bank may request identification and supporting documents. An active bankruptcy may affect eligibility.

• Build Credit With Consistent Habits

  Make payments on time and keep balances low to support positive credit history. Review the specific card’s rates, fees, and terms before applying.

Find an option that works for your budget.

Explore the secured cards below through our comparison link. Terms and availability can change. Review each issuer’s current rates, fees, deposit requirements, and eligibility before applying.

• OpenSky® Secured Visa® Credit Card

  A refundable security deposit starts at $200, with a $35 annual fee. Reports to Experian, Equifax, and TransUnion.

• First Progress Platinum Select Mastercard®

  Offers 1% cash back rewards, a $39 annual fee, and a refundable security deposit from $200 to $2,000. Reports to all three major credit bureaus.

• OpenSky® Launch Secured Visa® Credit Card

  A refundable deposit starts at $150. The annual fee is billed at $2 per month in year one and $3 per month thereafter. Reports to all three major credit bureaus.

• First Latitude Assent Mastercard®

  Has no annual fee, 1% cash back on payments, and a refundable security deposit from $200 to $2,000. Reports to all three major credit bureaus.

• OpenSky® Plus Secured Visa® Credit Card

  Has no annual fee and a refundable deposit starting at $300. Reports to Experian, Equifax, and TransUnion.

• First Latitude Elite Mastercard®

  Offers 1% cash back on payments, a $29 annual fee, and a refundable deposit starting at $200. Reports to all three major credit bureaus.

• First Progress Platinum Prestige Mastercard®

  Offers 1% cash back rewards with a $49 annual fee. The listing allows applicants to fund their security deposit over 90 days.

Build payment history while setting money aside.

Self offers a credit-builder loan designed to help you build payment history while setting money aside.

• Build Payment History

  Your monthly payments are reported to Experian, Equifax, and TransUnion.

• Set Money Aside as You Pay

  Funds are held in a bank certificate of deposit while you make small monthly payments.

• Receive Funds After Completing Your Plan

  After completing the plan, you receive the funds minus interest and fees.

Build positive credit habits. Work toward greater financial opportunities.

Whether you’re establishing credit or rebuilding your profile, CreditStrong offers account options to help you take the next step.

• Backed by an Established Bank

  CreditStrong is a division of Austin Capital Bank, an FDIC-insured community bank.

• Build Positive Payment History

  Payments are reported to Experian, Equifax, and TransUnion, giving consistent, on-time payments an opportunity to strengthen your credit profile.

• No Hard Credit Inquiry

  Opening a CreditStrong credit-builder account does not require a hard credit pull. Applications remain subject to approval and identity verification.

• Track Your Progress

  Receive a monthly FICO® Score update to help you follow changes as you build credit.

• Options for Different Credit Goals

  Explore installment and revolving credit-building accounts, with pricing and features that vary by plan.

• Build Credit and Savings Together

  The Instal account combines a credit-builder loan with savings. Funds are held to secure the loan rather than paid to you upfront.