9 Best Credit Building Apps for 2024

The Best Credit Building and Rebuilding Apps 2024 – GrowCredit, Chime, Cheese, Kovo, Self, Extra, Sable, Cleo, and Kikoff Credit Builder Program

A solid credit score is crucial for navigating various aspects of our lives, such as purchasing a new car, investing in real estate, or financing premium education. Building and maintaining a good credit score can be challenging and time-consuming. Thankfully, there are numerous credit builder apps available that can simplify the process and help improve your score, regardless of its current state. In this comparison article, we’ve identified and analyzed the top nine credit builder apps for 2024, providing you with a comprehensive overview of their features and benefits. Let’s move forward and explore them in more detail!

1. Grow Credit – Best for subscriptions
2. Chime – Best for budgeting
3. Cheese – Best for streamlined credit building
4. Kovo – Best for payment history
5. Self – Best for building credit
6. Sable – Best for rewards
7. Kikoff – Best for minimum payments
8. Extra – Best for security
9. Cleo – Best for quick results (Personal Al)

Best Credit Builder Apps Comparison Table

	Grow Credit	Chime	Cheese	Kovo	Self	Sable	Kikoff	Extra	Cleo
Company	Grow Credit, Inc	Chime Financial, Inc	Extra Financial, Inc	Kovo Inc.	Self Financial, Inc	Sable, Inc	Kikoff Lending, LLC	The Aligned Company	Cleo Al, Ltd
Banking Partners	– Sutton Bank	– The Bancorp Bank – Stride Bank, N.A	– Synapse Financial Technologies	Not disclosed	– Lead Bank	– Coastal Community Bank	Not disclosed	– Evolve Bank & Trust	– Webbank
Annual Fee	See Terms	$0	$0	$0	See Terms	$0	$0	$0	See Terms
Credit Limit	$17 – $150	up to $10,000	up to $2,000	Not disclosed	From $100	up to $10,000	$500	Not disclosed	up to $7,500
Credit Reporting	Yes. 3 Bureaus	Yes. 3 Bureaus	Yes. 3 Bureaus	Yes. 2 Bureaus	Yes. 3 Bureaus	Yes	Yes. 2 Bureaus	Yes. 2 Bureaus	Yes. 1 Bureau
Plans & Pricing	4 Plans	–	2 Plans	1 Plan	4 Plans	1 Plan – Free	–	2 Plans	1 Plan
Services	– Credit Building – Savings	– Checking – Savings – Credit Builder	– Credit Building	– Credit Building	– Credit Building	– Credit – Debit – Score	– Credit Building – Lending – Score & Monitoring	– Credit Building – Rewards	– Budget – Save – Borrow – Build Credit
Profile	Credit Builder	Financial Technology	Financial Services	Financial Technology	Financial Services	Financial Technology	Asset Based Lending	Financial Services	Consumer Finance Companies
Service Area	USA	USA	USA	USA	USA	USA	USA	USA	USA, Canada, UK
Card Product	– Grow Credit Mastercard	– Chime Secured Card – Chime Debit Card	–	–	– Self Visa Card	– Secured Sable One – Sable Debit Card	– Kikoff Credit Account	– Extra Debit Mastercard	– Cleo Credit Builder Card
Rewards	–	–	–	1% on Loans	–	2% Unlimited Cashback	–	1% Unlimited Cashback	Yes
Referral Bonus	Maybe	Yes, up to $100	Maybe	Maybe	Yes, $10	Yes, $25	Maybe	Maybe	Yes
Savings	Yes	Yes, 0.5% APY	–	–	Yes, by plan	–	–	–	Yes
Support Phone	(888) 244-5886	(844) 244-6363	(866) 657-8863	(855) 965-5686	(877) 883-0999	(833) 583-8383	(415) 361-4040	(310) 923-0693	–
Address	1447 2nd St STE 200 Santa Monica, CA 90401-3404	PO Box 417 San Francisco, CA 94104-0417	130 W Union St, Pasadena, CA 91103-3628	101 Convention Center Dr, Suite 370 Las Vegas, NV 89109	515 Congress Ave Ste 2200 Austin, TX 78701-3560	1411 Broadway Fl 16 New York, NY 10018-3471	75 Broadway Ste 226 San Francisco, CA 94111-1458	360 E 2nd St STE 809 Los Angeles, CA 90012-4238	594 Broadway Rm 701 New York, NY 10012
Years in Business	6 years	12 years	6 years	6 years	10 years	6 years	6 years	6 years	5 years
Number of Employees	3	1950	Not disclosed	Not disclosed	Not disclosed	Not disclosed	Not disclosed	50	Not disclosed
Logins	GrowCredit Login (Use website)	Chime Login (use website)	Cheese Login (use website)	Kovo Login (use website)	Self Login (use website)	Sable Login (use app)	Kikoff Login (use website)	Extra Login (use website)	Cleo Login (use app)
Comparison	–	Chime vs Netspend	Cheese vs Self	–	Self vs Chime	–	–	Extra vs Current	–
Full Review	–	Chime Review	–	Kovo Credit Review	What is Self Credit Builder	Sable One Review	Kikoff Review	–	–
Application	Claim this offer	Claim this offer	Claim this offer	Claim this offer	Claim this offer	Claim this offer	Claim this offer	Claim this offer	Claim this offer

When to Use Credit Builder Apps

Your credit score significantly impacts major life decisions from the moment you become an adult (Read: 23 Credit Score Don’ts & Do’s). It’s essential to start using credit builder apps early in your financial journey to efficiently build and manage your credit score. Now, let’s take a closer look at these best credit builder apps and what they have to offer!

Grow Credit – Best for Subscriptions

Grow Credit is a company dedicated to allowing more and more citizens to build good scores. Once you connect your bank account, Grow Credit will automatically pay for your subscriptions via a virtual interest-free Mastercard, thus improving your credit.

Grow Credit Pros	Grow Credit Cons
Quick and easy setup; Free version; Interest-free rates.	Confusing pricing; Low spending limit; You must link a bank account.

Plans & Pricing

• Build membership: free membership offers a low spending limit on subscriptions.
• Secured membership: $204 annual limit and $17 monthly spending limit for $1.99 per month
• Grow membership: $600 yearly limit and $50 monthly spending limit for $3.99 per month
• Accelerate membership: $1,800 annual limit and $150 monthly spending limit for $7.99 per month

Rewards

With Build Secured and Grow memberships, users can earn $12 in savings in the first year with one of more than 100 subscriptions, while the same amount for Accelerate membership users is $24 in savings.

Fees

Besides the predetermined monthly subscription fee, Grow Credit charges no interest rates or fees for its services.

Key Features

• No credit check: Unlike most score builder apps, Grow Credit doesn’t check your credit as a prerequisite to getting approved.
• No security deposit for most membership plans: Most members don’t have to place a security deposit to enjoy the services of Grow Credit.
• Perfect for people with no credit or poor one: Since there’s no credit check, this app is ideal for people with a 629 FICO Score or lower.

Online Application

Try the GrowCredit app that is best for subscriptions – Click Here.

Summary

There’s no need to open a new bank account because Grow Credit will accompany any of your existing banking accounts for simplicity and ease of use. This company is convenient because it is effortless to set up an account and build credit. The membership plans can help anyone find a deal that suits their needs, while the lack of fees makes this company ideal for all financial situations. However, Grow Credit excels at the number of subscription plans it offers to its clients.

Chime – Best for Budgeting

Chime is one of the fastest-growing mobile banks in the USA. It is one of the top seven credit builder apps, with flexible spending and saving accounts and no hidden transaction fees. Chime Secured Visa Card is ideal for your financial needs.

Chime Pros	Chime Cons
No credit check; No annual fees or interest; No minimum security deposit.	No rewards or bonuses; Limited money withdrawal and transfer; Low-interest rates for savings accounts.

Plans & Pricing

Chime credit builder doesn’t come with different pricing and subscription plans. Instead, all cardholders receive the same features and benefits, with free maintenance and no charging fees.

Rewards

While some card companies are known for their numerous rewards and welcoming bonuses, Chime doesn’t offer similar features. Namely, users of Chime won’t receive benefits like promotional cash deposits or cashback. So, if rewards and bonuses are important to you, Chime isn’t the best option.

Fees

Chime charges no international, annual, or maintenance fees. Additionally, cardholders don’t face any interest fees on purchases. If you’re looking for a company that’ll give you a break from countless high-interest fees, Chime might be the solution for you.

Key Features

• Quicker deposits and transfers: Compared to traditional banking, Chime allows its users to transfer and deposit funds two days earlier.
• Easy fee-free mobile payments: If you want to send money to your friends and family abroad, the fee-free mobile payment feature will allow you to do so at no charge.
• 24/7 support service: The highly-rated Chime app enables 24/7 online customer support to its users.

Online Application

Try the Chime credit builder app that is best for budgeting – Click Here.

Summary

Chime is the go-to credit builder for anyone seeking a budget-friendly option for improving their score. Low-interest rates and fee-free mobile payments are the main advantages that make this credit builder one of the top seven apps on our list. However, Chime comes with several other beneficial properties. Users can expect to receive their funds up to two days earlier with quicker depositing and transferring processes than other traditional banking institutions. Even when you’re stuck and need some help, the 24/7 professional support service is always here to give you a helping hand.

Read our Chime vs Self comparison article or see more details about Chime Secured Card and Chime Debit Card.

Cheese – Best for Streamlined Credit Building

Cheese is a financial services provider that specializes in offering credit builder loans to individuals with low or no credit scores. Its primary goal is to help users improve their credit history and achieve financial success by providing a transparent and user-friendly loan service. Cheese focuses on creating an accessible platform for its users, making it easy to apply for loans and manage payments. By reporting to all three major credit bureaus, Cheese ensures that users can effectively build their credit scores over time.

Cheese is best suited for individuals seeking a simple and transparent way to improve their credit history without the need for additional perks or rewards. Its easy application process, flexible loan options, and commitment to reporting to all three major credit bureaus make it an excellent choice for those who want to focus solely on building their credit.

Cheese Pros	Cheese Cons
Simple application process; Flexible loan options; Reports to all major credit bureaus; No hidden fees.	Limited availability; Requires a connected bank account; Limited Customer support; Interest rates.

Plans and Pricing

• 12-month term with loan amounts of $500, $1,000, or $2,000
• 24-month term with loan amounts of $500, $1,000, or $2,000

Fees

Cheese credit builder has no hidden fees, including no membership, admin, origination, or late fees. Users only need to pay the interest on the loan.

Rewards

Currently, Cheese does not offer any rewards programs or cash back incentives, as they have discontinued their debit card service.

Key Features

• Easy application process: The straightforward application process at Cheese allows users to quickly apply and begin their journey to improved credit.
• Reports to all three major credit bureaus: Cheese ensures your positive payment history is reported to TransUnion, Equifax, and Experian, helping you build credit efficiently.
• Low-interest rates: Cheese offers competitive interest rates on their credit builder loans, making it more affordable for users.
• Flexible loan options: Users can choose from various loan terms and amounts, allowing them to select the option that best suits their needs and preferences.

Online Application

Try the Get Cheese app that is best for streamlined credit building – Click Here.

Summary

Cheese credit builder is a user-friendly and transparent financial service that helps individuals with low or no credit scores improve their credit history. The service boasts several advantages, such as a simple application process, no hidden fees, reporting to all three major credit bureaus, and flexible loan options. However, there are some drawbacks, including limited availability, a required bank account connection, interest rates, and less-than-stellar customer support.

Kovo – Best for Building Payment History

Each payment you make is reported to the bureaus on a monthly basis and reflected on your score history.

Kovo Pros	Kovo Cons
Instant approval; No hidden fees; Valuable skill-building courses.	No TransUnion reporting; Takes time to see results; Missed payments are reported after they are 30 days late.

Plans and pricing

Kovo Credit Builder doesn’t have traditional pricing tiers and subscription options. When you sign up, you will receive valuable skill-building courses valued at $240. Instead of paying for them all at once, you will be charged $10 a month over the course of 24 months.

Rewards

Kovo Credit Builder itself doesn’t have specific rewards for its clients. Instead, Kovo users have an opportunity to earn gift cards when they sign up for a loan or credit card offered by one of Kovo’s partners. Users can receive 1% of the value of their personal loans, student loans, student loan refinance, or credit cards back as gift cards.

Gift cards on personal loans can go up to $500, up to $250 on student loans and student loan refinance, and up to $75 on cards.

Fees

Besides that $10 monthly charge for Kovo courses, there are no additional fees. Kovo charges no annual, maintenance, setup, late payment, or other fees.

Features

• Skill-building courses: Kovo offers courses on job interview skills, self-confidence and self-esteem, starting a business, personal branding, stress management and time management, sales training, ecommerce, and Google Sheets fundamentals;
• Free refunds: if you’re not satisfied with the courses or the credit-building installment contract, you can receive a free refund within 30 days of signing up;
• Reporting to credit bureaus: Kovo reports your payment performance to two major bureaus, Experian and Equifax. All activity is reported every month and will appear on your report, whether you pay on time or not.

Online Application

Try Kovo Credit Builder which is best for building the payment history – Click Here.

Summary

Kovo is an unorthodox credit-building opportunity. Instead of offering loans or new lines of credit, it gives you access to high-quality skill-building courses and enables you to pay them off in monthly installments, meaning you are purchasing your courses on credit. Considering that your payment history is one of the most significant factors that impact your score, Kovo helps you build credit by making timely payments with your existing card.

You don’t have to sign up for new lines of credit that temporarily lower your score, calculate your interest rates, or worry about annual fees. You’ll simply gain access to skill-building opportunities while making positive strides to a better score. However, keep in mind that you will need to make your Kovo payments on time. While Kovo doesn’t charge any late fees, it does report your monthly activity to Experian and Equifax. If you are late on your payments, it will have a negative impact on your score and history.

Self – Best for Building Credit

Self is a fintech company that can boost your credit score by allowing you to take a credit builder loan. It stores all payments on your account, reporting them to the three bureaus to help you build it faster.

Self Pros	Self Cons
Automated payments; Simple score tracking; Reporting (all three credit bureaus).	Quite expensive; 15% interest rates; Obligatory administrative fees.

Plans and pricing

• Small Builder: A one-time, non-refundable administrative fee of $9 and a $25 monthly fee for 24 months, after which you get $520. The final cost is $89.
• Medium Builder: A one-time, non-refundable administrative fee of $9 and a $35 monthly fee for 24 months, after which you get $724. The final cost is $125.
• Large Builder: A one-time, non-refundable administrative fee of $9 and a $48 monthly fee for 12 months, after which you get $539. The final cost is $46
• X-Large Builder: A one-time, non-refundable administrative fee of $9 and a $150 monthly fee for 12 months, after which you get $1,663. The final cost is $146.

Rewards

Unfortunately, Self doesn’t offer its clients any bonuses or rewards programs. If you’re interested in going with a credit-builder app with some bonuses and rewards, we suggest choosing a different company.

Fees

The pricing plans come with different fees and financial obligations. For example, each subscription plan has a unique monthly payment fee. However, all have a one-time, non-refundable administrative fee of $9.

Features

• Seamless application process: If you’re looking for a score builder app that doesn’t have a complicated application process, Self is it. All clients eligible for a card are instantly approved, and there are no complex and time-consuming application processes.
• Premium customer service: Self is one of the best credit builder companies for customer support. Reliable, polite, and friendly customer staff is something the clients can always count on with this company.
• Stable building: Since Self reports to all three major bureaus, clients can build their credit as long as they meet the payment deadlines.

Online Application

Try Self Credit Builder App that is best for building the score – Click Here.

Summary

In some cases, building credit is more complex than it seems, precisely where Self comes in handy. The company doesn’t have a complicated application process, and almost everyone is welcome to become part of the Self community. Yet, the company has premium customer service, even though its members are rapidly increasing. So, whichever pricing plan you go with, you’ll have access to stable credit building since this company will report your progress to all three major credit bureaus. Although Self programs come with no rewards or bonuses, improving your score has never been easier.

Sable – Best for Rewards

If you want to make every transaction count and build your credit simultaneously, Sable is a perfect choice. Additionally, the company offers fantastic benefits and rewards to its clients from day one.

Sable Pros	Sable Cons
No credit check during application; Affordable ownership; Monthly reports to the main bureaus.	Limited cashback purchases; A low credit line; Other applicable fees.

Plans and Pricing

Sable provides only one type of membership to its clients. The plan comes with no monthly or annual fees, making it one of the best budget-friendly options for credit building. Although other fees apply, the pricing is among the main benefits of the Sable credit building program.

Rewards

Features that make Sable stand out are an attractive welcome bonus and various rewards that clients can earn by placing purchases. The welcome bonus awaits everyone who joins the Sable membership because the bank offers a dollar-for-dollar program to its new members during their first year. Namely, every new member will receive a dollar for each dollar spent during the first year of their membership. So, if you earn back $500 of cash throughout the first year, Sable will double the amount and reward you with $1,000. Besides the welcome bonus, Sable card users earn back unlimited 2% cash on purchases with Amazon, Spotify, Netflix, Hulu, Whole Foods, and Uber Eats. Everywhere else, users can enjoy 1% cashback.

Fees

One of the most significant advantages of building credit with Sable is no annual, monthly, or late payment fees. The only applicable fee is 2% on foreign transactions and purchases outside the US. However, new Sable members must pay a security deposit which acts as their credit limit. Paying $500 would mean there’s a $500 limit. There are no minimum deposit requirements, but the maximum deposit limit is $10,000. Users get their deposit back once they upgrade to a different card or close their account.

Features

• Bonuses and rewards: The most crucial features of Sable are attractive welcome bonuses and rewards programs. These features allow you to build credit quickly and easily.
• No fees: Without monthly, annual, or late payment fees, it’s understandable Sable members can reach their financial goals much faster than with other credit-building apps.
• Secured card: Sable offers many benefits atypical for secured cards, such as phone protection, rental car insurance, satisfaction guarantee, price protection, etc.

Online Application

Try the Sable Credit Builder App that is best for rewards – Click Here.

Summary

Sable is the leading credit builder app that offers its clients some of the most impressive rewards and bonuses. Those features are some of the top benefits of this innovative company that makes building it easy and fun. The lack of monthly, annual, and late payment fees is also why more and more people choose Sable as their primary credit building platform. In addition, Sable regularly sends monthly reports to main bureaus, helping you establish a high score.

Kikoff – Best for Minimum Payments

Kikoff is another fantastic credit builder app that prioritizes clients with poor credit or no credit history. With instant approval, no interest rates, and no credit pull, hundreds of thousands of people already use it, even though the company launched in 2019.

Kikoff Pros	Kikoff Cons
Instant approval; No interest rates; No credit pull.	You must purchase items through the proprietary store; A limited selection of products; Credit line limit.

Plans & Pricing

The Kikoff credit account offers one of the best pricing plans for building credit and maintaining financial stability. The account ownership comes with no administrative, annual, or late payment fees. Furthermore, the annual finance charge of $0 and maximum APR of 0% are other features that make the pricing plan at Kikoff worth it.

Rewards

Unfortunately, Kikoff doesn’t offer its clients any rewards or special bonuses. Nevertheless, it does offer everyone an equal opportunity to build credit.

Fees

With no annual, monthly, administrative, or late payment fees, Kikoff is among the best fee-free credit builder apps you can find currently on the market. By not paying any unnecessary fees, clients can be more successful at building their credit.

Features

• No credit check: Since Kikoff doesn’t pull a credit check, most applicants get instant approval.
• Relatively cheap products: Although you can use the Kikoff line of credit to purchase products only from its proprietary store, the price of these goods is more than impressive.
• Minimum monthly payment of $2: You must pay only a minimum of $2 per month, less than the average monthly payments at other credit builder apps.

Online Application

Try the Kikoff credit builder app that is best for minimum payments – Click Here.

Summary

It’s obligatory to spend money to make your credit score better. However, different companies have different rules for spending money, and Kikoff might have just the right solution for you. Even without rewards and welcome bonuses, it still enables all its clients to build their credit quickly and easily. The minimum monthly payment at Kikoff is only $2, which is significantly lower than other banking and credit building institutions. Additionally, the Kikoff proprietary store carries a selection of products at affordable prices.

Extra – Best for Security

Extra came up with the first debit card to build credit while earning rewards. It offers an innovative solution for everyone trying to establish credit more flexibly with no credit checks and the ability to use your bank.

Extra Pros	Extra Cons
Compatibility with your bank account; No credit check; No minimum credit score requirements.	$84 or $96 annual fees; Monthly reports to only two credit bureaus; Available only in the US.

Plans & Pricing

Extra offers two types of subscription plans to its members – one for building credit only and another including rewards.

• Credit Building: A monthly fee for the membership is $8, which sums up to $96 for the entire year. However, users can choose to pay for the whole year upfront, and they’ll receive a discount. In that case, they can pay $84 annually.
• Rewards + Credit Building: The pricing is slightly different if you want to earn rewards while building credit. A monthly fee for this type of membership is $12, which sums up to $144 for the entire year. Again, users can pay $108 for the whole year upfront, thus receiving a nice discount.

Rewards

Extra credit builder is a perfect solution if you want to earn rewards while building your credit. Namely, clients who choose the rewards program can enjoy earning up to 1% in points for their everyday purchases. Rideshares, phone bills, coffee runs, and other activities are all included for collecting rewards points. Once Extra members collect enough points, they can purchase various products from the company’s rewards store.

Fees

The only fee Extra credit builder users have to pay is the monthly subscription fee. However, this amount can vary depending on the membership plan and the payment option. Since you can’t use the Extra debit card abroad, there are no foreign transaction fees.

Features

• No security deposit: Unlike most credit builder apps, Extra doesn’t require any security deposits to use its services.
• Attractive rewards: Cardholders earn five rewards points for every $1 spent.
• 24/7 support: Live 24/7 support is there to assist you during any part of the day or night.

Online Application

Try the Extra credit builder app that is best for security – Click Here.

Summary

Extra isn’t the cheapest credit builder platform on the market, and you can find similar features at more affordable prices. Nevertheless, the membership can come with some outstanding rewards clients can enjoy, so many choose it even if cheaper options are available. Besides the attractive rewards, Extra offers 24/7 support and unmatched card security to its clients, and you can’t put a price tag on that. Therefore, if you’re on the hunt for a platform that prioritizes your security, you don’t need to look further.

Cleo – Best for Quick Results

If your goal is to grow your credit score at a record pace, you might want to check out what Cleo offers. You can sign up for your credit builder card in less than three minutes and immediately start working on building your credit.

Cleo Pros	Cleo Cons
Simplified process of credit building; Excellent security; No minimum security deposit.	Monthly reports to only one bureau; Annual fee of $180; Limited possibilities.

Plans & Pricing

All members have the same pricing plans and features once they apply for a Cleo credit card, which is $180 annually. Generally speaking, the subscription plan is pricier than other companies that offer similar features to their clients.

Rewards

Although the annual subscription is more expensive than the average, Cleo provides its clients with some of the best rewards offers and programs included in the price. Members can earn back cash by purchasing at selected retailers or using daily cash challenges and click-through offers.

Fees

Besides the obligatory monthly fee of $14.99, Cleo users don’t face any other additional charges. This monthly fee covers all their subscription expenses, including cash advances, priority support, and cashback rewards.

Features

• No regular fees: Late fees, annual fees, and other fees associated with traditional cards don’t exist at Cleo.
• Charge card ownership: Because the Cleo credit card is a charge card, users must pay the balance at the end of every month. Such cards help users develop responsible credit habits that won’t rack up interest rates.
• Quick results: Thanks to the premium reliability and fast service, users can quickly reach their financial and credit goals when using Cleo.

Online Application

Try the Cleo credit builder app that is best for quick results – Click Here.

Summary

Cleo is undoubtedly the most expensive credit builder app on this list. With an annual fee of $180, it does compete with some premium financial services that you can find on today’s market. However, Cleo offers some of the best credit-building benefits many individuals can’t resist. For example, a fast and easy sign-up process, the lack of additional fees, and the ownership of a charge card are only some features that make Cleo one of the top seven credit builder apps for 2023. Still, Cleo reports only to one bureau, which can drastically limit your score possibilities.

Best Credit Builder Apps Ratings

	Grow Credit	Chime	Cheese	Kovo	Self	Sable	Kikoff	Extra	Cleo
App Store	4.6 stars (2.5K ratings)	4.8 stars (415K ratings)	4.6 stars (2K+ ratings)	n/a	4.9 stars (231K ratings)	4.8 stars (5.9K ratings)	4.9 stars (33K ratings)	4.5 stars (3.3K ratings)	4.6 stars (69K ratings)
Google Play	4.6 stars (1K ratings)	4.7 stars (345K ratings)	3.7 stars (2K+ ratings)	n/a	4.7 stars (64K ratings)	4.6 stars (5.1K ratings)	4.7 stars (24.5K ratings)	In development	4.3 stars (63K ratings)
Trustpilot*	2.9 stars (3 reviews)	2.6 stars (5 reviews)	4.5 stars (250)	No reviews yet	3.3 stars (55 reviews)	2.6 stars (38 reviews)	2.5 stars (22 reviews)	3.7 stars (2 reviews)	4.4 stars (2.4K reviews)
BBB Ratings*	A	A+	B	B	B	F	NR	A+	F
BBB Reviews*	No reviews yet	3.16 stars (1732 reviews)	No reviews yet	No reviews yet	4.08 stars (568 reviews)	1.5 stars (8 reviews)	2.2 stars (10 reviews)	No reviews yet	No reviews yet
BBB Accredited	2/9/2022	Not BBB accredited	Not BBB accredited	Not BBB accredited	1/27/2016	Not BBB accredited	Not BBB accredited	4/21/2022	Not BBB accredited
	Try it	Try it	Try it	Try it	Try it	Try it	Try it	Try it	Try it

How to Choose the Credit Builder Apps

Not all credit builder apps and companies are created equal, so it’s important to consider the following factors when choosing one that suits your needs.

1. Low minimum balance requirements. Look for companies with low or no minimum balance requirements, making it easier to start your credit-building journey.
2. Minimal or no fees. Seek out apps that charge minimal or no fees, ensuring that you aren’t spending more than necessary to build your credit.
3. A seamless online banking experience. A user-friendly interface and smooth online experience can make managing your credit a breeze.
4. Bonus offers and rewards programs. Some apps offer additional incentives, such as rewards or bonuses, making them more attractive options.
5. A variety of benefits and features. The more tools and resources a credit builder app offers, the better equipped you’ll be to improve your credit score.

Methodology: How We Select the Best Credit Builder Apps

We considered several key factors when ranking the best credit builder apps, ensuring our readers receive top-quality recommendations.

Plans & pricing: Credit builder apps vary in cost, from free to premium subscription plans with added benefits. We took these into account to help you find a budget-friendly option.

Rewards: Many apps offer generous rewards and bonuses. We examined these to give you an idea of what to expect when signing up.

Fees: Some companies charge more fees than others. We tried to include companies with fewer fees but be aware of potential costs associated with specific companies.

Features: The core features and capabilities of credit builder companies are crucial. We prioritized companies that offer a wide range of features to better support your credit-building journey.

Other Credit Builder Apps and Offers

Offer Name	Issuer	Annual Fee	Credit Limit	Reporting	Rewards/ Features	Application
Upgrade Triple Cash Rewards	Upgrade	$0	up to $35,000	Yes	$200 welcome bonus1 3% on Home, Auto & Health 1% on everything else	Claim this offer
OakStone Secured Gold Card	Synovus Bank	$39	$200 – $5,000	Yes	Free real-time score Available in 50 States	Claim this offer
Stilt Debit Mastercard	The Bancorp Inc	$0	$1000 – $35,000	Yes	No SSN required	Claim this offer
Mission Lane Visa	TAB Bank	See Terms	up to 3,500	Yes	Know & Go preapproval	Claim this offer
OpenSky Secured Card	Capital Bank	$35	from $200	Yes	Unsecured card after 6 months	Claim this offer
Perpay Credit	Perpay Inc	$0	$50 – $5,000	Yes	Over 1,000 brands to choose	Claim this offer
Merrick Double Your Line	Merrick Bank	See Terms	$550 – $2,700	Yes	Free FICO score Fraud coverage	Claim this offer

Bottom line

The market is filled with exceptional credit building companies, making it easier than ever to build credit with minimal documentation. These modern apps democratize credit building, especially for those unable to establish credit through traditional means. Regardless of your current score or credit history, one of our top nine credit builder apps will surely assist you on your path to a better financial future.

Choose your preferred company and start growing your credit score today!

Frequently Asked Questions