May 20, 2023
Top 5 Credit Cards for Building Credit (For Scores Under 700)
In this solo episode, Darrin shares his top recommendations for credit cards designed for people with credit scores under 700. He explains the difference between secured and unsecured credit cards, and why choosing the right one can make all the difference when starting or rebuilding credit.
He reviews five beginner-friendly cards — including Discover It, Capital One Quicksilver, Bank of America Cash Rewards, Patelco Points Rewards, and the Bilt Mastercard — and breaks down their perks, advantages, and who they’re best for.
In this episode, you’ll learn:
- The difference between secured and unsecured credit cards
- Why your credit score matters when choosing a card
- 5 recommended credit cards for scores under 700:
- 🟣 Discover It
- 🔴 Capital One Quicksilver
- 🔵 Bank of America Cash Rewards
- 🟢 Patelco Points Rewards
- 🟡 Bilt Mastercard
- Practical tips for using credit cards responsibly to build credit
💡 Key Takeaways
- Secured vs. unsecured matters. Secured cards require a deposit, unsecured do not — but both can help build credit.
- Choose cards strategically. The right card can help you grow credit without overwhelming fees or debt.
- Perks aren’t everything. Focus on cards that report to major credit bureaus and support credit growth.
- Responsibility is key. Always pay on time and avoid carrying balances when possible.
Start where you are. Even with a score under 700, you have options to grow your credit profile.
