Credit Cards with Credit Building (2026)
Credit Building perks across top credit cards, ranked by estimated value.
Top 3 Picks
All 16 Cards Compared
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | Bank of America® Unlimited Cash Rewards Secured | Path to Unsecured Card | Included | No fee |
| 2 | Quicksilver Secured Rewards | Automatic Credit Line Reviews | Included | No fee |
| 3 | Bank of America® Customized Cash Rewards Secured | Security Deposit Refund Opportunity | $100/yr | No fee |
| 4 | Banana Republic Encore Mastercard® | Complimentary FICO Credit Score | $15/yr | No fee |
| 5 | Amazon Prime Store Card | Secured Card Upgrade Path | Included | No fee |
| 6 | BankAmericard Credit Card | Free Monthly FICO Score | Included | No fee |
| 7 | BankAmericard Credit Card for Students | Free Monthly FICO Score | Included | No fee |
| 8 | BMO Platinum Rewards Mastercard® | BMO CreditView Free Credit Score | Included | No fee |
| 9 | BMO Premium Rewards Mastercard® | BMO CreditView | Included | $95/yr |
| 10 | Capital One Platinum Secured Credit Card | Automatic Credit Line Reviews | $25/yr | No fee |
| 11 | OpenSky Secured Visa Credit Card | Credit Building With Bureau Reporting | $25/yr | $35/yr |
| 12 | Business Advantage Customized Cash Rewards | Free Dun & Bradstreet Business Credit Scores | Included | No fee |
| 13 | Susan G. Komen® Customized Cash Rewards | Free FICO Score | Included | No fee |
| 14 | Milestone Mastercard | Automatic Credit Limit Increase Reviews | Included | Fee not published |
| 15 | Reflex Mastercard | Automatic Credit Limit Increase Reviews | Included | Fee not published |
| 16 | Surge Mastercard | Automatic Credit Limit Increase Reviews | Included | Fee not published |