Credit Cards

Top Cards to Improve Your Credit Score

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Find Your Match

Last Updated:
December 2024

Our rating system - FinSpot Star Ratings are based on editor research and expertise. Please do your own research before making any financial decisions.

Editors Choice
9.8
FinSpot Rating
Take credit for your accomplishments
  • No security deposit
  • Reporting to 3 major credit bureaus
  • Pre-Qualify Today - Will not impact your credit score
Audience Favorite
9.7
FinSpot Rating
A partnership built with growth in mind
  • Pre-qualify without impacting your credit score
  • Fraud protection for lost or stolen cards
  • Use in the U.S. wherever Mastercard is accepted
9.5
FinSpot Rating
Unlimited 1.5% cash-back on every purchase
  • No annual or late fees
  • Credit lines available from $500-25,000
  • More cards to choose from with up to 3% cash-back!
9.1
FinSpot Rating
Apply Now for $750 credit limit!
  • Instant Approval
  • No Credit Check
  • No Employment Check
8.6
FinSpot Rating
Earn up to 10% cash-back
  • Integrate with your stock portfolio
  • Big brands. Big rewards.
  • No annual fee
8.4
FinSpot Rating
Apply Now for a $750 line of credit
  • No employment or credit checks
  • Always 0.0% APR
  • Super fast online application

Our Methodology: How we selected the best credit cards for you

Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.

Our Top Recommended Credit Cards
Milestone Mastercard
Take credit for your accomplishments
  • No security deposit
  • Reporting to 3 major credit bureaus
  • Pre-Qualify Today - Will not impact your credit score

You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. Get Pre-Qualified today for the Milestone Mastercard®.

Milestone offers a straightforward opportunity to build and access credit. It’s specifically designed for those with challenging credit histories working to establish a solid financial foundation.

  • Reports to all three credit bureaus: Easy and quick pre-qualification that does not impact your credit score
  • Use With Confidence: Use wherever Mastercard is accepted in the U.S.
  • Your Card is Protected: Fraud protection in case your card happens to be lost or stolen

Milestone Mastercard provides the benefits you want in order to successfully manage and grow your credit. You have 24/7 access to your account so you can track your progress. Monthly payments are reported to the 3 major credit bureaus. No security deposit required – your money stays in your pocket.

Why we chose Milestone: What’s the next goal you want to reach? Milestone is a tool you use to achieve it. Whether you want to access credit now or plan ahead for the future, you’ll have access to credit when you need it. Use your card in the U.S. wherever Mastercard is accepted.

Destiny Mastercard
A partnership built with growth in mind
  • Pre-qualify without impacting your credit score
  • Fraud protection for lost or stolen cards
  • Use in the U.S. wherever Mastercard is accepted

Destiny is the partner you want on your journey toward building better credit. It's designed to help you move forward, even if you have a challenging credit history.

As you plan for the future, having access to a credit card so you can build credit is essential for paving the way. As a Destiny cardholder, you can stay focused on the goals ahead while you improve your credit. Plus, you can use your card with confidence knowing you have the added security a credit card offers.

  • Feel Confident Building Credit: Pre-qualify without impacting your credit score
  • Be Free Moving Forward: Use in the U.S. wherever Mastercard is accepted, in-store, in-app, and online
  • Enjoy a New Level of Security: Don’t worry about a lost or stolen card - you’ve got fraud protection

Destiny Mastercard provides benefits that can help cardholders successfully manage their credit.

  • Credit Bureau Reporting: Your card helps you build credit by reporting monthly to 3 major credit bureaus
  • Unsecured Credit Card: Take comfort in knowing you don’t have to pay a security deposit

Why we chose Destiny: Life’s about where you’re going and who you’re going there with. You should be able to plan for the future and take care of what matters most to you. For those with less than perfect credit, moving forward shouldn't have to be complicated. Destiny Mastercard can help you take the next step.

Upgrade
Unlimited 1.5% cash-back on every purchase
  • No annual or late fees
  • Credit lines available from $500-25,000
  • More cards to choose from with up to 3% cash-back!

Life Rewards Card: Unlimited 3% cash-back on gas, grocery, health, streaming, and utilities purchases.

Cash Rewards Card: Unlimited 1.5% cash back on purchases

Upgrade OneCard: Up to 3% cash back for everyday purchases. No interest on Pay Now purchases.

You're in Control with the Upgrade Card! Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

  • Convenient: Swipe, tap, insert or purchase online anywhere Visa is accepted to get rewarded
  • Lower Cost: Set payoffs so you can bring your balance down faster so you can pay less interest. And, no annual or late fees.
  • Predictable: Pay down balances from each month at a fixed rate and term.

Why we chose Upgrade: Upgrade helps you make smart financial decisions to help you reach your goals. Like buying a new bike. Fixing the roof. Or finally paying off that fancy fridge. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees. That’s because they believe credit should be affordable and responsible. So, they design all their credit, mobile banking and payment products to do three things; Give you responsible options, keep you on track, and reward you along the way.

M1 Finance
Earn up to 10% cash-back
  • Integrate with your stock portfolio
  • Big brands. Big rewards.
  • No annual fee

Get a credit card that rewards you for thinking like an owner. It’s the only card that integrates with your portfolio to help you grow your wealth, long-term. Using M1 automation, you can invest your rewards to help your portfolio continue to grow. That’s the long-term mindset at work.

M1 Plus members earn bigger rewards when shopping with select brands. Purchases made with brands in the Owner’s Rewards Program can earn you 2.5%, 5%, or 10% cash back.

Tap-to-pay or use Apple Pay or Google Pay for a contactless shopping experience.

Why we chose M1: Everything M1 does centers on you, the investor. From their product features, to their automation tools, to the content they produce, M1 is focused on helping you manage your money and grow your wealth the way you want to. That’s why their mantra is Yours to Build. Total control, total automation for your wealth today and tomorrow.

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