Credit Feen’s:
Starter Credit Cards Guide
Everybody starts somewhere — this is your moment.
Building credit isn’t just about numbers — it’s about creating freedom, options, and confidence in your financial future. I believe your past doesn’t define your possibilities. This guide is designed to give you the tools, the knowledge, and the power to take control of your credit journey — starting today. You’re not just building credit. You’re building your future. Let’s get it. 💪🔥
Starter Card Options
1. Chime Credit Builder Secured Visa® Credit Card
- Annual Fee: $0
- Security Deposit: No fixed deposit; credit limit based on funds moved to Credit Builder account
- Reports to: Experian, Equifax, TransUnion
- Highlights: No credit check; no interest charges; requires qualifying direct deposit of $200 or more to Chime Checking Account; helps build credit with regular use and on-time payments
- Apply: chime.com
2. Capital One Platinum Secured Credit Card
- Annual Fee: $0
- Security Deposit: $49, $99, or $200 (refundable)
- Reports to: Experian, Equifax, TransUnion
- Highlights: No annual fee; potential for credit line increase; reports to all three bureaus
- Apply: capitalone.com
3. Discover it® Secured Credit Card
- Annual Fee: $0
- Security Deposit: $200 to $2,500 (refundable)
- Reports to: Experian, Equifax, TransUnion
- Highlights: 2% cash back on gas and dining, 1% elsewhere; eligible to graduate to unsecured card
- Apply: discover.com
4. Petal® 2 Visa® Credit Card
- Annual Fee: $0
- Security Deposit: None
- Reports to: Experian, Equifax, TransUnion
- Highlights: 1%–1.5% cash back; no fees; uses alternative data for approval
- Apply: petalcard.com
5. Navy Federal nRewards® Secured Credit Card
- Annual Fee: $0
- Security Deposit: $200 to $5,000 (refundable)
- Reports to: Experian, Equifax, TransUnion
- Highlights: Earns 1% cash back on eligible purchases; potential for credit limit increase after 3 months without additional deposit; no balance transfer or foreign transaction fees
- Apply: navyfederal.org
6. Mission Lane Visa® Credit Card
- Annual Fee: $0–$59 (based on creditworthiness)
- Security Deposit: None
- Reports to: Experian, Equifax, TransUnion
- Highlights: No security deposit required; potential for credit line increases; designed for credit building
- Apply: missionlane.com
7. Tomo Credit Card
- Annual Fee: $0
- Security Deposit: None
- Reports to: Experian, Equifax, TransUnion
- Highlights: No credit check; no interest; links to your bank account for payments; reports weekly
- Apply: tomocredit.com
8. Grow Credit Mastercard®
- Annual Fee: $0 (basic plan)
- Security Deposit: None
- Reports to: Experian, Equifax, TransUnion
- Highlights: Designed to build credit by paying for monthly subscriptions (like Netflix, Hulu, etc.); free and paid plans available
- Apply: growcredit.com
9. Self Visa® Credit Card
- Annual Fee: $25
- Security Deposit: Based on savings in Self Credit Builder Account
- Reports to: Experian, Equifax, TransUnion
- Highlights: No credit check; linked to Self credit builder loan
- Apply: self.inc
10. OpenSky® Secured Visa® Credit Card
- Annual Fee: $35
- Security Deposit: $200–$3,000 (refundable)
- Reports to: Experian, Equifax, TransUnion
- Highlights: No credit check; flexible deposit and limit
- Apply: openskycc.com
Credit Feen Tip: Choose a card that aligns with your financial situation and credit-building goals. Consistent, on-time payments and low credit utilization are key to improving your credit score.
*This document is intended for educational purposes only.