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Here are the best credit cards for building personal credit
based on your credit score and goals.
Personal Credit for Scores: 740 - 799
Recommended for scores 300 to 579
AAdvantage® Aviator®
Red World Elite Mastercard®
on Barclasecure website
The AAdvantage® Aviator® Red World Elite Mastercard® is a co-branded airline credit card issued by Barclays, tailored for frequent American Airlines travelers. It offers a range of benefits designed to enhance the travel experience while providing opportunities to earn AAdvantage® miles.
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Pros
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Generous Welcome Bonus: Earn 60,000 AAdvantage® miles after making just one purchase and paying the $99 annual fee, making it one of the easiest airline card bonuses to get.
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First Checked Bag Free: Save $30 per flight for yourself and up to four companions on the same reservation for domestic American Airlines flights.
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Preferred Boarding: Board in Group 5, allowing you to get settled early and secure overhead bin space.
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Inflight Discounts: Get 25% off inflight food and beverage purchases made on American Airlines flights.
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$25 Wi-Fi Credit: Receive up to $25 in statement credits for inflight Wi-Fi purchases each anniversary year.
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Companion Certificate Opportunity: Spend $20,000 annually to earn a companion ticket for $99 + taxes/fees, which can save money on a second ticket.
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No Foreign Transaction Fees: Ideal for international travelers since you won't pay extra on purchases abroad.
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0% Intro APR on Balance Transfers: Enjoy 0% intro APR for 15 months on balance transfers made within 45 days of account opening.
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Earnings on American Airlines Purchases: Earn 2x miles per $1 spent on AA flights and 1x miles per $1 on all other purchases.
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$99 Annual Fee: While the perks can offset the cost, it is not waived for the first year.
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Limited Bonus Categories: Only American Airlines purchases earn 2x miles; all other spending earns just 1x mile per $1.
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No Lounge Access: Unlike some premium airline credit cards, this card does not include Admirals Club® access.
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High Spending Requirement for Companion Certificate: Must spend $20,000 per year to get the companion ticket, which may not be feasible for all cardholders.
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High Interest Rates: Regular APR ranges from 20.24% to 29.99%, making it a poor choice if you plan to carry a balance.
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Cons
Recommended for scores 300 to 579
Platinum Secured Credit Card
from Capital One
on Capital One secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Recommended for scores 300 to 579
on Self Inc's secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
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Accessible Approval: No credit check required, making it suitable for those starting or rebuilding credit.
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Structured Savings: The integrated Credit Builder Account encourages disciplined savings habits.
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Path to Unsecured Credit: Demonstrating responsible use may lead to opportunities for unsecured credit products in the future.
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Mandatory Credit Builder Account: Enrollment in the Credit Builder Account is a prerequisite, which involves its own fees and interest.
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Annual Fee After First Year: While the first year is fee-free, a $25 annual fee applies subsequently.
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High APR: Carrying a balance can result in significant interest charges; paying in full monthly is recommended.
Cons
on OpenSky secure website
Recommended for scores 300 to 579
Pros
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Accessible Approval: No credit check is required, making it suitable for those starting or rebuilding credit.
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Low Minimum Deposit: The $100 minimum deposit is lower than many other secured cards, making it more accessible.
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Credit Building Potential: Regular reporting to major credit bureaus can help improve your credit score with responsible use.
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Monthly Fee: While there's no annual fee, the monthly fees accumulate over time.
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Limited Credit Limit: The maximum credit limit is $1,000, which may be restrictive for some users.
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High APR: Carrying a balance can result in significant interest charges; it's advisable to pay off balances monthly to avoid interest.
Cons
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Best Strategy: Get a secured card, use it responsibly, and graduate to an unsecured card in 6-12 months.