It sucks when you want to borrow money, but you can’t because of poor solvency history. Luckily, there are ways you can build your solvency so that you can borrow money when you need it the most. If you are wondering which credit cards you can use to make your credit, you have come to the right place.

Most cards require you to have a solvency history before you can get started with it. Here are some of the card options you can use if you have weak solvency. However, you have to make sure to use your card wisely. You have to pay your balance on time and spend wisely.

Petal visa credit card


One of the cards at your disposal is the petal visa card. The rewards you get with the petal visa card is 1% cashback on all your eligible purchases. You get 1.5% when you make monthly payments on time for one year.

The regular APR is 14.49% to 5.49% variable. Some of the benefits of using this card are that there are no fees, no solvency history needed, and the limits are in the range of $5,000 to $10,000. The disadvantages are that there is no welcome bonus and no special financing.

Discover it secured

Discovering it secured is also one of the best cards to build solvency. The rewards you get with Discover It card is a 2% cashback at restaurants and gas stations. 1% cashback on the other purchases, the regular APR is 24.49% variable on balance transfers and purchases. For more information, visit

The welcome bonus you get is that discovery will match the cashback you have earned. The intro APR is 10.99% for the first six months on the balance transfers. However, it does not apply to purchases. The card also offers a 3% intro balance transfer fee and a 5% future balance transfers.

The advantage of using this card is that you are not charged for any purchases outside the United States, and there is a substantial cash back rewards program. The disadvantages are that its APR is relatively high, and it is not widely accepted as MasterCard and Visa.

Capital one secured MasterCard


The Capital one secured MasterCard does not offer any rewards. The regular APR is 26.99% variable on balance transfers and purchases. The advantage of using the card is that you can change your payment due date. There is no fee charged on any purchases you make outside the U.S. When you make your first five monthly payments on time, you will have access to a higher solvency line. The disadvantage is its high APR and that there are no rewards.

With any of the best cards to build solvency, you will be on your way to make a good solvency history. The cards also do not require you to have a good solvency history. So, nothing is standing in your way regards to building your financial status.

Citi Secured Mastercard

This card does not have an annual fee; it has a variable annual percentage rate of 24.24%. Once you are approved, your financial limit will be equal to your security deposit. Citi requires a minimum security deposit of $ 200.

The Citi Secured Mastercard can be used anywhere that Mastercard is accepted, and even offers flexible payment due dates, which accommodate what works best for you and your budget.

The card does not offer rewards of rewards, points, or miles.

OpenSky Secured Visa Credit Card


OpenSky will not issue a check to approve your application, which is an excellent benefit for those who do not have a financial history. The variable APR is 19.14%, which is quite low.

It would be best if you made a security deposit of at least $ 200. This deposit is refundable and will become the solvency line on your card, so you can choose the amount you want.

It is essential to mention that this card charges an annual fee of $ 35.

The card does not offer rewards of rewards, points, or miles.

First Progress Platinum Elite Mastercard Secured

This card does not require a financial history or minimum score to be approved. It has a variable annual percentage rate of 20.74% and requires a refundable deposit of between $ 200 and $ 2,000, depending on the solvency line you need.

It comes with an annual fee of $ 29. The card does not offer rewards of rewards, points, or miles.

Just remember that all these cards are different from the cards for bad solvency, which are issued to people with low financial scores.

Other frequently asked questions about credit cards and how to build credit:


With which credit card is it easier to be approved?

We are of the opinion that the OpenSky Secured Visa Card is one of the best options since a check is not required.

Can you get a credit card with a score of 550?

Yes, you can. If you have a score of 550 or less, you can request a secured card (that is, you will be asked to present a guarantee to be approved). Also, check our list of the best cards for those with weak solvency.

How can I build my credit quickly with a credit card?

There are several things you can do to build your credit quickly using a card. Try to keep the use of your card below 30% of your limit. And always pay your balance in full before the due date. Keep reading here for more tips on how to increase your score quickly.

What is the most accessible credit card to obtain without credit?

The most accessible card to obtain is the OpenSky Secured Visa Card. As we mentioned, there is no check when you apply, so whenever you are 18 or older and have enough income to pay your monthly bills, you have a good chance of being approved.


If you do not have a credit history or would like to strengthen your credit score, you should apply for one of these cards to build credit.

The financial institution will only require a refundable security deposit to open the account; You can get a credit line increase, and even switch to an unsecured card as you make monthly payments on time.