Other Credit Card Options You’ll Definitely Want to Know About

If you’re already thinking about secured cards or credit-building strategies — great. That means you’re serious about your credit.

Ma ecco la verità:

There’s a whole world of other credit card options that you might qualify for prima di quanto pensi — even with limited credit history.

Some of them offer rimborso, nessuna quota annuale, or even rewards for rent payments and streaming services. And the best part? Many don’t require a perfect score to apply.

Let’s explore a few credit card types you should absolutely have on your radar. 👇

1. No-Annual-Fee Rewards Cards (Yes, You Can Qualify!)

You might think rewards cards are only for people with great credit. But that’s no longer true.

Some cards now offer cashback or points even to people with limited or fair credit — and they don’t charge annual fees.

Here are a few standouts:

• ✅ Capitale Uno QuicksilverOne – 1.5% cashback on everything
• ✅ Petal® 1 Visa – No annual fee, cashback, and built-in credit tracking
• ✅ Chase Freedom Rise℠ – Designed for credit builders, plus 1.5% back

These cards are perfect for users who’ve started building credit and want to get rewarded for their spending without extra costs.

Perché ne vale la pena:
You get cash back on everyday items (groceries, gas, bills) while still growing your credit score.

👉 See current no-fee credit cards on NerdWallet

2. Store Cards — Easy Approval, Targeted Benefits

Store credit cards can be easier to get approved for, especially for those with thin credit profiles. They’re tied to specific brands but can offer solid perks like:

• 🔁 0% financing deals
• 🎁 Exclusive discounts and promotions
• 🛍️ Loyalty rewards

Examples include:

• Target RedCard – 5% off every purchase
• Amazon Store Card – Deferred interest financing for Prime members
• Best Buy Credit Card – Reward points + flexible payment plans

⚠️ Just be careful: These cards often have high APRs. So only use them if you can pay off the balance monthly.

👉 Check store card reviews on Credit Karma

3. Cards That Count Rent and Subscriptions

If you pay rent, stream Netflix, or use Spotify — why not earn points or build credit from it?

New fintech companies are turning rent and subscriptions into credit-building opportunities.

Cards to look at:

• 🏠 Bilt Mastercard® – Pay rent with no fees + earn points for travel
• 🎶 Deserve® EDU – Great for students, rewards on Apple Music, Amazon Prime
• 📱 TomoCredit Card – No credit score needed, rewards for phone bills & more

These options are perfect if you don’t spend much on travel or dining, but still want to make everyday expenses lavorare per te.

👉 Learn more about the Bilt Mastercard on Forbes

4. Student Cards (Even if You’re Not in School)

Student credit cards are another often-overlooked tool — and you don’t always need to be enrolled full-time.

They typically offer:

• ✅ Lower requirements for approval
• 🧠 Tools for budgeting and learning credit habits
• 💸 Small but meaningful cashback rewards

Great choices include:

• Discover it® Student Chrome – Cashback on gas and dining
• Capital One SavorOne Student – 3% on groceries, streaming, and entertainment

If you’re between jobs, taking online classes, or starting fresh in the U.S., these can be easier to qualify for than standard cards.

5. Credit Union & Community Bank Cards

Big banks aren’t your only option.

Molti credit unions E local banks offer cards with:

• 💰 Lower interest rates
• 🙌 More flexible approval standards
• 💳 Decent rewards or starter perks

Esempio:
Navy Federal Credit Union offers cards with low APRs and no fees for members — and they’re very beginner-friendly.

If you have a relationship with a small bank or credit union, don’t overlook it. These cards may not be flashy, but they can be a solid foundation.

Which Type Should You Try Next?

Here’s a quick guide depending on your current credit stage:

Final Tip: Stack Your Wins, Don’t Rush

You don’t need to apply for five cards right now.
But over time, it’s smart to diversify your credit — with cards that offer different benefits.

A great combo for most beginners looks like this:

1. 🔐 Secured card or Petal for starting
2. 💵 Cashback card for daily spending
3. 🏠 Rent/Subscription card for boosting points
4. 🏦 Credit union card for low interest and backup

As your score improves, you can qualify for even better offers — including travel cards, premium cashback, and cards with sign-up bonuses.

Scritto da Artù Updated on Aprile 29, 2025