Using a credit card can be a big liability if you are new to it. But if you know how to use a credit card to your advantage, you could save and buy big. The trick is to know which credit card helps build credit fast. This article shares a list of credit cards that help build and improve credit. That’s not all; these cards come with a ton of other benefits!

1. Secured card
You don’t need to have a good credit score to be eligible for this card; however, you need to make a security deposit that ranges from $200 to $2500. This will define your credit limit. It will be used when you fail to make timely payments. This ensures that your credit score does not suffer. The deposit is entirely refundable if you manage to pay your dues on time. Some of the best secured credit cards include the following.

• Discover it® Secured Credit Card
  With no annual fees and excellent cashback offers, this credit card comes out as a winner for us. The card is ideal for those who want to build a credit score and features a 22.99% variable APR. Additionally, it offers 1% cashback on all purchases, 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
• Platinum Mastercard from Capital One Secured Credit Card
  The best thing about this credit card is that you don’t need to pay an annual fee. After the first five timely payments, you are eligible for a higher credit line within six months. The card also comes with fraud coverage if it gets stolen. While it does have a high variable APR of 26.99% on purchases and balance transfers, it is a solid option for beginners with average credit. What’s more, you don’t have to pay foreign transaction fees on overseas purchases! You get other benefits like extended warranty coverage, auto rental insurance, price protection, and travel accident insurance.
• OpenSky® Secured Visa® Credit Card
  You don’t need to show your credit history to apply; however, you need to make a security deposit of $200 minimum. This becomes the credit line limit on your Visa card. This card is an excellent option for those who want to build their credit score in just six months. It has a variable APR of 17.39%. That said, you have to pay an annual fee of $35.

2. Petal® 2 Visa® Credit Card
The Petal 2 Credit Card is an excellent choice for those who have no credit or limited credit. You don’t have to pay a security deposit or an annual or overtime fee, which means that you can build a solid credit score. The variable APR ranges between 12.99% and 26.99%. You get a cashback of up to 1.5% after making 12 on-time monthly payments. That said, those who have missed payments are not likely to be approved.

3. Journey Student Rewards from Capital One
This one allows you to earn cash rewards and 1% cashback on all your purchases. If you make timely payments, Capital One will increase the cashback amount to 1.25%. You can also get access to a higher credit limit after making your first six monthly payments on time. Journey Student Rewards from Capital One offers a 26.99% APR on purchases and balance transfers.