Best Credit Cards to Build Your Credit

Discover the best credit cards to boost your credit score while enjoying your favorite holiday finds. Whether you seek rewards for daily expenses like gas and groceries or crave perks for treating yourself to dinner and a movie, we’ve got the ideal cards for you.

Disclosure: ConsumerCoverage has partnered with CardRatings for our coverage of credit card products. ConsumerCoverage and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Please note that all or some of the cards on this website are from advertisers and compensation may impact how and where cards appear on the site. Please also note that ConsumerCoverage does not include all card companies or all available card offers on our website.

credit card

Chase Freedom Unlimited® Credit Card

Rewards: The Chase Freedom Unlimited Credit Card offers a variety of benefits, including unlimited 1.5% cash back on all purchases. Enhanced rewards include 3% cash back on drugstore and restaurant purchases, and 5% cash back on travel booked through Chase Travel(SM). There's no cap on rewards across these categories. The card also features a 0% intro APR for 15 months on purchases and balance transfers, with a variable APR of 20.49% - 29.24% thereafter.

Annual Fee: $0
Why It Makes Our List?

We love cash back on credit cards, and the Chase Freedom Unlimited card doesn’t disappoint. With high cash back rates for grocery, dining, drugstore purchases, and travel, you get rewarded for what you need and what you love. Plus, you get 1.5% on all other purchases, which means you’re always being rewarded.

What Else You Should Know?

Your cash back rewards don’t expire and there’s no minimum to redeem them, so you have the flexibility to convert them at any time to a statement credit, direct deposit, or even gift cards, travel, and Amazon.com purchases.

Learn More >>" class="more-detial-btn"> Learn More >>
credit card

Blue Cash Everyday® Card from American Express

Rewards: Introductory rate of 0% APR on balance transfers for 15 months from account opening, and then variable APR of 19.24% to 29.99%. Welcome bonus of a $200 statement credit after $2,000 in purchases on the card within the first six months of account opening. Terms apply.

Annual Fee: $0
Why it makes our list?

You might be looking for the best balance transfer card, but it doesn’t hurt to get a few extra perks along the way. With the Blue Cash Everyday® Card from American Express, you’ll get 15 months of 0% interest on your balance transfer, but you’ll also be earning cash back on new purchases in useful categories like groceries, gas, and more and you’ll get a tidy statement credit after $2,000 in purchases within the first six months of account opening (terms apply).

What else you should know?

Balance transfers do need to be completed within the first 60 days of account opening, and there’s a balance transfer fee of $5 or 3% of the balance transfer, whichever is higher. But with the Blue Cash Everyday® Card from American Express, you get access to other American Express perks like car rental insurance, purchase protection, the Global Assist Hotline, American Express Experiences, and more (terms apply).

Disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Learn More >>" class="more-detial-btn"> Learn More >>
credit card

Blue Cash Preferred® Card from American Express

Rewards: Earn 6% cash back on groceries (on up to $6,000 per year in purchases at U.S. supermarkets then drops to 1%) and on select U.S. streaming services, 3% cash back on transit and gas at U.S. gas stations, and 1% on all other eligible purchases (all cash back to be used as statement credit). Plus, earn an intro offer of $250 back in the form of a statement credit after you spend $3,000 in purchases within the first 6 months of opening your account. Terms and conditions apply.

Annual Fee: $0
Why it makes our list?

Who doesn’t love earning cash back on the essentials? With the Blue Cash Preferred® Card from American Express, you earn a whopping 6% cash-back reward on groceries at U.S supermarkets and on select U.S. streaming services, plus 3% on all transit (think taxis/Uber, train, parking, tolls, and more), which can easily add up if you live in a city. You also earn 1% on all other eligible purchases (terms apply), and although the card’s cash back can only be redeemed as a statement credit, it can help you focus on paying off your credit card bill each month.

What else you should know?

We like that this card mirrors the rewards for Additional Card Members, so that if you share your credit card with a partner or family member, you’re earning even more cash back (to be used as a statement credit). You also get access to American Express Experiences, including ticket pre-sales and card member-only events near you. Terms apply.

Disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Learn More >>" class="more-detial-btn"> Learn More >>

For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link.

For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this link.

Disclosure: ConsumerCoverage has partnered with CardRatings for our coverage of credit card products. ConsumerCoverage and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Please note that all or some of the cards on this website are from advertisers and compensation may impact how and where cards appear on the site. Please also note that ConsumerCoverage does not include all card companies or all available card offers on our website.