Updated October 17, 2026 · DebitCue Editorial Team
Top bad credit and credit builder cards compared in the United States
14 cards available in the United States, ranked for the United States.
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| # | Card | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Current Build CardTop pick | 9.4/10 |
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| ReviewCompareVisit |
| 2 |  Current | 9.1/10 |
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| ReviewCompareVisit |
| 3 |  Kikoff Kikoff is a credit building app. | 8.4/10 |
| ReviewCompareVisit | |
| 4 |  Petal Cash back at select national merchants: 1% - 10% cash back | 9.3/10 |
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| ReviewCompareSee alternatives |
| 5 |  Varo Visa® Debit Card | 9.2/10 |
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| ReviewCompareSee alternatives |
| 6 |  Chime | 9.1/10 |
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| ReviewCompareSee alternatives |
| 7 |  Chime Card (Secured Visa Credit Card) | 9.1/10 |
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| ReviewCompareSee alternatives |
| 8 |  Varo Believe Secured Credit Card | 9.1/10 |
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| ReviewCompareSee alternatives |
| 9 |  Self Visa Card $0 annual fee for the first year: $0 annual fee for first year | 8.5/10 |
| ReviewCompareSee alternatives |
Licensed in the United States
- Current Build Card
- NMLS (Finco Advance LLC)
- Current Build Card
- NMLS (FinCo Licensing LLC)
- Current Build Card
- California Department of Financial Protection and Innovation (DFPI)
- Current Build Card
- State of Indiana Department of Financial Institutions
- Current Build Card
- Kansas Office of the State Bank Commissioner
- Current Build Card
- State of Missouri Division of Finance
- Current Build Card
- South Carolina Department of Consumer Affairs
- Current Build Card
- Utah Division of Consumer Protection
- Current Build Card
- Arizona Department of Insurance and Financial Institutions
- Petal
- NMLS (NMLS Consumer Access)
- Petal
- NMLS Consumer Access (NMLS registry)
- Varo Visa® Debit Card
- Office of the Comptroller of the Currency (OCC)
- Varo Visa® Debit Card
- FDIC
- Varo Believe Secured Credit Card
- Office of the Comptroller of the Currency (OCC)
- Varo Believe Secured Credit Card
- Federal Deposit Insurance Corporation (FDIC)
- Varo Believe Secured Credit Card
- FDIC
- Self Visa Card
- NMLS (Self Credit LLC)
- Self Visa Card
- Texas Regulated Lender
- Self Visa Card
- Rhode Island Loan Broker
- Self Visa Card
- South Dakota Money Lender
Other rankings
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