Best Credit Cards to Build Credit in 2025
Building credit in 2025 isn’t just about swiping the right plastic—it’s about choosing a tool that fits your financial goals like a glove. Whether you’re starting from scratch, rebuilding from past missteps, or simply looking to strengthen your credit profile, the right credit card can make all the difference.
At Inversiones y Finanzas Hispano, we understand how confusing the credit landscape can be, especially with so many options out there. That’s why we’ve created this comprehensive guide to the best credit cards to build credit in 2025. You’ll discover secured and unsecured cards that actually move the needle on your credit score, all while providing features that serve real people with real financial goals.
Why Building Credit Matters in 2025
Credit is more than just a number. In 2025, your credit score affects:
- Your ability to rent an apartment
- Auto loan or mortgage approval
- Employment background checks
- Insurance premiums
According to Experian, the average FICO score in the U.S. reached 717 in 2024. But if you’re just getting started or recovering from financial setbacks, the right credit card can be your launchpad to a stronger score.
How We Chose the Best Credit Cards to Build Credit in 2025
We looked at over 50 credit cards across different financial institutions and ranked them based on:
- Ease of approval for those with limited or poor credit
- Monthly reporting to all three major credit bureaus
- Low fees and interest rates
- Customer service ratings
- Unique features that encourage responsible credit use
Now, let’s dive into the top contenders.
Top Credit Cards for Building Credit in 2025
1. Discover it® Secured Credit Card
A popular and highly-rated option for beginners.
Why it’s great:
- No annual fee
- Cash back on purchases (2% at gas stations and restaurants, 1% on others)
- Reports to all 3 credit bureaus
- Free access to FICO® Score
Best for: Those who want rewards while building credit.
2. Capital One Platinum Secured Credit Card
Known for flexible deposit requirements and upgrade potential.
Why it stands out:
- Minimum deposit starts at $49
- Credit limit increases possible in 6 months
- No annual fee
Best for: Rebuilding credit with limited upfront costs.
3. Chime Credit Builder Visa® Credit Card
A modern, no-fee credit card that doesn’t require a credit check.
What makes it unique:
- No interest or annual fees
- No minimum security deposit
- Safer spending control via the Chime app
Best for: People who prefer digital banking and automated payments.
4. Petal® 2 “Cash Back, No Fees” Visa® Credit Card
An unsecured card designed for those with limited credit history.
Perks include:
- 1% – 1.5% cash back on purchases
- No annual, late, or foreign transaction fees
- Higher limits based on income & savings
Best for: Beginners with decent income and no credit history.
5. OpenSky® Secured Visa® Credit Card
No credit check? No problem.
Why it earns a spot:
- Approval without a credit check
- Fixed $200 minimum deposit
- Reports to all major bureaus
Best for: Anyone trying to recover from a poor credit score.
How to Build Credit with Credit Cards
Using a card alone won’t raise your score—how you use it matters. Here’s what you need to know:
Pay On Time, Every Time
Payment history accounts for 35% of your FICO score. Even one late payment can tank your progress.
Keep Balances Low
Aim to use less than 30% of your available credit limit. For example, if your card has a $300 limit, try to keep your balance under $90.
Don’t Apply for Too Many Cards
Each application triggers a hard inquiry, which can ding your score. Choose strategically.
Monitor Your Score
Many credit card companies offer free monthly credit score updates. Use them to track your progress.
Expert Insights: Why Secured Cards Still Rule in 2025
“Secured credit cards remain the safest bet for beginners. They create a low-risk environment for both consumers and issuers,” says Luis Ortega, a financial advisor based in Miami. “You don’t need to worry about overspending, and most of these cards offer a pathway to upgrade to an unsecured version.”
Real-Life Story: How Maria Built Her Credit in 6 Months
Maria, a recent college graduate in Fort Worth, TX, started with the Discover it® Secured card in early 2024. She made small purchases each week, paid off the balance in full, and kept her utilization under 20%.
“Within six months, my score went from 582 to 702,” Maria shares. “I was even approved for a car loan with a decent rate.”
Her story reflects what’s possible with consistency and the right tools.
Comparing the Top Cards at a Glance
| Card Name | Annual Fee | Rewards | Credit Needed | Special Feature |
|---|---|---|---|---|
| Discover it® Secured | $0 | Yes | New/Bad Credit | Cash back + Free FICO Score |
| Capital One Platinum Secured | $0 | No | New/Bad Credit | Low deposit option |
| Chime Credit Builder Visa® | $0 | No | No credit check | No interest, works with Chime account |
| Petal® 2 Visa® | $0 | Yes | Limited/No Credit | Rewards and higher limits |
| OpenSky® Secured Visa® | $35 | No | No credit check | Simple approval process |
FAQs: Best Credit Cards to Build Credit in 2025
What credit score do I need to get a credit-building card?
Many credit-building cards are designed for people with no credit or scores below 600. Secured cards typically don’t require a high score or any score at all.
Are secured credit cards better for building credit than unsecured ones?
Yes, in many cases. Secured cards are easier to get and safer to manage for beginners. Once you show consistent responsible use, you may be upgraded.
How fast can a credit card improve my credit score?
You could see results in as little as 3 to 6 months, depending on your payment habits and overall credit profile.
Can student credit cards help build credit?
Absolutely. Student cards like the Discover it® Student Chrome are tailored for young adults with little or no credit history.
Do I need a job to qualify for a credit card?
You need to show some form of income, but it doesn’t have to be traditional employment. Scholarships, grants, and family support may count, especially on student applications.
Final Thoughts
Choosing the best credit card to build credit in 2025 is about finding the right match for your goals and habits. Whether you’re starting your credit journey or repairing past damage, there’s a card out there that fits your story.
At Inversiones y Finanzas Hispano, we help you make smart financial choices every step of the way. Ready to start building your credit the right way? Explore our top picks and apply today.