It's time to build your credit

  • Safe and secure
  • Reports to all 3 bureaus
  • No credit check
Build Your Credit Now

How it works

Apply for your secured credit card in minutes and get your finances back on track.


2 minute application process with no credit score requirement.


$200 deposit to open the secured credit card.


Build credit by making purchases with your card.

Why is my credit score important?

Your credit score can be the make-or-break detail that determines if you qualify and how much you will pay for your next car loan or home mortgage.

$ 200,000

30 Year Fixed House Loan

He is paying $63,000+ more
for the same house

Credit Score


Total Interest paid


Monthly Payment




Credit Score


Total Interest paid


Monthly Payment




$ 30,000

60 Month New Auto Loan

He is paying $6,600+ more
for the same car

Credit Score


Total Interest paid


Monthly Payment




Credit Score


Total Interest paid


Monthly Payment




Grow your score and reach your financial goals with Credit Builder Card

Build Your Credit Now

Risky Credit Cards

Interest rates over 30% Designed to make you pay high-interest payments High credit card max that can get you into debt Reports in 30+ days

Credit Builder Card

Interest rates under 25% Low $200 limit so you won't go into debt Designed to help you build credit Reports within a week of approval

What Builders are saying

DeAndray B.

St Louis, MO

I plan to buy a new car, and I also want to get a home in a year or two. Cash only gets you so far because you're limited with what you can do. It feels great now to be building my credit.

Jalysa E.

Lincoln, AL

I signed up with Credit Builder, and in just three months I'm in a position to get approved for a mortgage and reach my goal of a homeowner.

Allison P.

Orlando, FL

Very nervous because all other secured cards that I have inquired about go by credit score... it's nice to see a card helping people instead of bashing them for a predicament.

You're in good hands with us

85% of Builders say it's super easy
100,000+ Credit Builders
7 Years experience

Receive Your Secured Credit Card In as Little as 2 Weeks

Start Building Your Credit Now
Bank-level security keeps your information safe
All account details are kept private
Fully refundable deposit


You will receive your secured card once you have fully funded the deposit to open the card and have been approved by the issuing Bank. You can put down as little as $200 to open your secured card if you apply through our program. Typically you receive your card around 2 weeks after you are approved by the issuing Bank.

Credit Builder Card's program is designed to help you build your credit with all three credit bureaus. It would be impossible to say how much your score will go up but some members have seen their credit score improve by more than 50 points. Please note that each individual has a unique credit report and we cannot make any guarantees as to your specific score improvement. To get the maximum increase to your score we recommend always making your payments on time for your secured card and never spending more than 30% of your card limit each month.

That's right :) We want our service to be accessible to everyone and that means no hard credit inquiry when you apply and no credit score requirement for approval. You use your own money to fund your deposit to open your secured credit card and as a result there are no strict credit requirements. You may not be approved for a secured credit card if you have an active bankruptcy. In select situations the issuing Bank may request a copy of your Drivers License and a utility bill or bank statement to verify your identity.

Credit Builder Card is a secured credit card marketplace. Based on the state you live in, we match you with a secured credit card that has a low $200 security deposit and reports to all 3 credit bureaus. Our mission is to help our users build credit and reach their financial goals while avoiding credit cards that charge interest rates over 30%, high annual fees and application fees.

Easiest Way to Build Credit

Build Your Credit Now