Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Credit Building perks across top credit cards, ranked by estimated value.
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | Quicksilver Secured Rewards | Security Deposit Refund and Upgrade to Unsecured Card | $200/yr |
| No fee |
| 2 | Bank of America® Customized Cash Rewards Secured | Security Deposit Refund Opportunity | $100/yr | No fee |
| 3 | Banana Republic Rewards Mastercard® | Complimentary FICO Credit Score | $15/yr | No fee |
| 4 | Amazon Prime Store Card | Secured Card Upgrade Path | Included | No fee |
| 5 | BMO Platinum Rewards Mastercard® | BMO CreditView Free Credit Score | Included | No fee |
| 6 | BMO Premium Rewards Mastercard® | BMO CreditView | Included | $95/yr |
| 7 | Susan G. Komen® Customized Cash Rewards | Free FICO Score | Included | No fee |
| 8 | Barclays View Mastercard | Free FICO Credit Score Access | Included | No fee |
| 9 | Business Advantage Customized Cash Rewards | Free Dun & Bradstreet Business Credit Scores | Included | No fee |
