The Ultimate Guide to Credit Cards
Thursday, March 28, 2024

11 Best Credit-Building Credit Cards (Feb. 2024)

Best Credit Building Credit Cards
Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer
Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

Identifying the best credit-building credit cards can be challenging with so many options available these days. Keep reading for our take on some of the best credit cards that can help you work your way to a healthy credit score.

In today’s world, having good credit is a bit like having a decent internet connection: while you can technically get by without it, it definitely makes many things a whole lot easier.

Of course, building good credit takes a bit more work than phoning up the cable company and asking for a bandwidth upgrade. Merely establishing enough credit to get a credit score requires six months, and reaching the top credit tiers can take years.

But — you have to start somewhere. For many consumers, the easiest first step is to open a credit card account; when used responsibly, one or two credit cards can both establish your credit profile and help you build respectable credit scores.

Secured | No/Limited Credit | Fair Credit | Bad Credit | Rewards | Student | Business

Best Secured Credit Cards to Build Credit

An option available to nearly any credit type — including those with bad credit or without any credit at all — secured credit cards require a deposit to open and maintain. That deposit acts as collateral for the account, keeping the issuer’s risk low.

In many cases, that lower risk benefits both the issuer and the cardholder, as it allows for lower interest rates and fees. Some of our top-rated secured credit cards even come with purchase rewards that can help you save money while you build credit.

Secured Chime Credit Builder Visa® Credit Card Review

at the issuer'ssecure website

SECURED RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • No credit check to apply
  • Adjustable credit limit based on what you transfer from your Chime Checking account to the secured account
  • No interest* or annual fees
  • Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • *Out-of-network ATM withdrawal fees may apply. See here for details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
None
OpenSky® Secured Visa® Credit Card Review

at Capital Bank N.A.'ssecure website

SECURED RATING

★★★★★
4.8

OVERALL RATING

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
25.64% (variable)
$35
Poor
Discover it® Secured Credit Card Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.7

OVERALL RATING

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
28.24% Variable APR
$0
New/Rebuilding

The deposit you make to open a secured credit card is just that: a deposit. It’s not a fee, which means you can get your deposit back simply by closing your account (provided it’s in good standing — i.e., you don’t have an outstanding balance). Of course, some secured cards do have annual fees, which are not refundable.

Your secured credit card may also be eligible to be automatically upgraded to an unsecured credit card when your credit profile improves. If your card is upgraded to an unsecured credit card, your full deposit will be refunded to you.

Best Credit-Building Cards for No/Limited Credit

Contrary to the common saying, “no news is good news,” having no credit profile, or a very limited one, is not good news to credit card issuers. Without a way to gauge your credit risk, they tend to assume the (almost) worst.

While finding a credit card without a credit score is likely easier than finding one with a poor credit score, your method will be similar: look for cards designed for your situation. A number of issuers offer entry-level unsecured cards designed for people who need to establish and build credit.

Secured Chime Credit Builder Visa® Credit Card Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • No credit check to apply
  • Adjustable credit limit based on what you transfer from your Chime Checking account to the secured account
  • No interest* or annual fees
  • Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • *Out-of-network ATM withdrawal fees may apply. See here for details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
None

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
30.74% (Variable)
$0
Average, Fair, Limited

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (Variable)
$0
Average, Fair, Limited

Once you’ve obtained your first card, be sure you’re building your credit the right way. The most important thing to do is to always make at least the minimum required payment before your due date each billing cycle.

Late payments that are made within 30 days of your due date won’t be reported to the credit bureaus, but they will usually come with pricey late fees. Payments more than 30-days late are considered delinquent and will be reported to the bureaus. Delinquent payments can knock dozens of points off of your credit scores.

Best Credit-Building Cards for Fair Credit

Although more than 1 in 10 consumers believe that you start out with a perfect credit score, that’s simply not the case. Perfect credit scores are certainly possible, but it can take years to build up enough positive payment history and credit profile length to reach that auspicious height.

Most consumers who are just starting out will have fair credit before they have good credit — but that’s OK. Fair credit opens up a few more doors than no credit at all, and you can easily use fair-credit card options to boost your score higher up the FICO food chain.

FAIR CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
30.74% (Variable)
$0
Average, Fair, Limited
Discover it® Student Cash Back Review

at Discover Card'ssecure website

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
Fair/New to Credit

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
30.74% (Variable)
$39
Average, Fair, Limited

As your credit profile grows, you’ll want to pay attention to more than just your payment history (though that’s still 35% of your FICO Score). Those with the best credit scores also do well in the other factors that are considered in credit score calculations.

For example, you’ll want to keep an eye on your balances, as using a lot of your available credit can lower your credit score. And you should be careful to avoid opening too many new accounts, since hard inquiries and new accounts can impact your new credit and account age factors.

Best Credit-Building Cards for Bad Credit

Whether you made one mistake early in your credit journey, or have made several through the years, it doesn’t take much to wind up with a bad credit score.

On the bright side, there are plenty of credit card options available for bad credit — they’re just not always ideal. Unsecured credit cards for bad credit will tend to have higher rates and fees, while secured credit cards will require upfront deposits.

Secured Chime Credit Builder Visa® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • No credit check to apply
  • Adjustable credit limit based on what you transfer from your Chime Checking account to the secured account
  • No interest* or annual fees
  • Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • *Out-of-network ATM withdrawal fees may apply. See here for details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
None
FIT™ Platinum Mastercard® Review

at Continental Finance'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99%
$99
Fair/Poor/Bad

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See Rates, Fees, Costs & Limitations for complete offer details
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
35.99%
$75.00 1st year, $48.00 after
Fair

The best method for rebuilding a bad credit score will depend mostly on what’s dragging down your credit score in the first place. For instance, if high balances and maxed-out credit cards are at fault, then paying down your debts is the best way to boost your score.

At the same time, if late payments or defaulted credit accounts have done the damage, then your best option is likely to work on building a positive payment history and giving the negative items time to season; the older items become, the less impact they tend to have on your scores.

Best Rewards Credit Cards to Build Credit

As a country with more credit cards than people, it’s easy to see that Americans love their credit cards. And credit card issuers love cardholders, so much so that the market is positively flooded with options for just about every credit type.

That abundance of options means that competition is fierce, which definitely works in consumers’ favor. For instance, even credit-building credit cards are competing for attention, which means you can find a number of options for earning solid purchase rewards while you build credit.

EXPERT'S RATING

★★★★★
4.5

OVERALL RATING

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
30.74% (Variable)
$39
Average, Fair, Limited
Discover it® Secured Credit Card Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★
4.0

OVERALL RATING

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
28.24% Variable APR
$0
New/Rebuilding

The Discover it® Secured Credit Card offers bonus rewards up to the maximum quarterly spend and unlimited rewards on all other purchases, all with no annual fee.

15. SunTrust Secured Credit Card with Cash Rewards

The SunTrust Secured Credit Card with Cash Rewards has a lot going for it as a credit-building card, not the least of which is that it provides cash back on every purchase, plus bonus cash back on gas and grocery purchases.

SunTrust Secured Credit Card with Cash Rewards

  • Earn 2% cash back on up to $6,000 in combined gas and grocery purchases each year
  • Earn unlimited 1% cash back on all other purchases
  • Pay a $32 annual fee

Another great feature of the SunTrust Secured Credit Card is that it’s upgradable, which means SunTrust will automatically upgrade the account to an unsecured credit card when the cardholder has shown significant credit improvement.

One important thing to keep in mind when it comes to rewards credit cards is that rewards should never be a reason to spend more than you can afford to repay right away. Interest fees on carried balances will typically outweigh any potential rewards, making it a losing proposition.

You should also determine if paying an annual fee for a rewards card (versus a card with no annual fee but no rewards) is worth the extra cost. If you won’t actually earn enough rewards to offset the annual fee, you may want to reconsider your card choice.

Best Student Credit Cards to Build Credit

Given that you need to be at least 18-years-old to get a credit card — or 21-years-old if you don’t have a cosigner or independent income — few students will have particularly robust credit histories (or any at all).

Enter: the student credit card. Typically requiring proof of enrollment to qualify, student credit cards generally have flexible credit requirements, low fees, and even student-centered perks all designed to help students build good credit while in college.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
Fair/New to Credit

STUDENT RATING

★★★★★
4.7

OVERALL RATING

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (Variable)
$0
Average, Fair, Limited
Discover it® Student Chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.7

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
Fair/New to Credit

Student credit cards can be a great training ground for young adults for a variety of reasons, including the generally low fees. But the secondary benefits typically offered can also help provide a smoother learning experience.

For instance, most student credit cards won’t increase your APR if you make a late payment, and some cards will even waive your first late payment fee. Some options may also offer bonus rewards or incentives for positive credit behaviors, like a boost to your rewards rate for on-time payments.

Best Business Credit Cards to Build Credit

If building up a good consumer credit score sounds like a lot of work, it can pale in comparison to building business credit. You’ll need at least three business trade lines to even qualify for some business credit scores, let alone to reach a boast-worthy number.

Business credit cards are often a simple way to add to your business credit-building strategy. As with consumer credit cards, however, business cards will have specific credit requirements. Those looking to establish and build business credit should choose business credit cards with flexible credit requirements.

19. Capital One® Spark® Classic for Business

This card is currently not available.

Business Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Additional Disclosure: Information for this card not reviewed by or provided by Capital One.

The Capital One® Spark® Classic for Business is an unsecured business credit card typically available to applicants with fair credit or better.

20. BBVA Secured Visa® Business Credit Card

The BBVA Secured Visa® Business Credit Card is available in select states and requires a minimum deposit of $500 to establish a credit line. You can increase your deposit — and, thus, your total credit line — at any time (in $100 increments).

BBVA Secured Visa® Business Credit Card

  • Earn bonus points in categories you select, including office supplies, utilities, and travel
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee the first year, then $40

The card also earns purchase rewards, waives the first year’s annual fee, and offers individual employee cards at no additional cost.

21. Wells Fargo Business Secured Credit Card

The Wells Fargo Business Secured Credit Card provides a business credit line of up to $25,000, equal to the amount of your initial deposit, and up to 10 employee cards.

Wells Fargo Business Secured Credit Card

  • Earn 1.5% cash back on every purchase made with your card, redeemable as a statement credit or check
  • Access credit lines from $500 to $25,000
  • Pay $25 annual fee

Once you’ve grown your business credit profile and demonstrated positive payment behaviors, Wells Fargo may automatically upgrade your secured card to an unsecured credit card and refund your deposit.

Building business credit requires many of the same positive credit behaviors as building consumer credit, including always, always, always paying your debt on time and as agreed. Business credit scoring agencies also look at your outstanding balances, credit utilization, and the number of trade experiences.

More than your financial history is up for grabs in business credit scoring, however. Experian, for instance, also looks at your company’s public records and business demographics (age, size, etc.) when calculating your business credit score.

(The information related to Wells Fargo Business Secured Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

Use Your New Card Responsibly to Build Credit

Over the last few decades, America’s economic and social landscapes have shifted dramatically. Analog is out, and we now have digital — well, digital everything. And it’s all five times as expensive.

So, while you could once get by without things like high-speed internet and a solid credit score, today’s world doesn’t make it so easy. Modern Americans usually need loans to get new cars and houses — and WiFi to get everything else.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.