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Check out the best credit cards in 2025 for building or rebuilding your credit history fast – zero annual fees and great benefits.
Best Credit Cards for Building Credit in 2025
Building credit is easier than ever in 2025 – simply know which credit cards to utilize. The right credit card will make a huge impact on whether you are starting to build credit or trying to recover from past bad decisions.
Why It’s Important to Build Your Credit
Your credit score can have an impact on everything in your life including loan approvals, loan rates, and even job applications. Having a good credit score opens the door to many things, while having a bad score will cost you money.
The more you can increase your score, the less you will pay on your credit cards, auto loans, and mortgages.
Best Credit Cards for First Time Credit Users
Discover it® Secured Credit Card – Build your credit and earn cash back with responsible use. Check Amazon for credit card guides.
Capital One Platinum Secured – No annual fee, and reports to all three credit bureaus.
Chime Credit Builder Visa® – Build your credit and do not have to worry about interest charges.
Best Tips for Using a Credit Card Responsibly
Keep your balance under 30% of your limit.
Always pay on time, or it’s going to hurt your credit even just one time.
Don’t apply for too many cards.