Credit-Builder Cards With Monthly Fees

There are credit cards – usually from small financial technology companies – with monthly fees. Be readily available For those looking to build or rebuild their credit. These cards offer safeguards to prevent debt and make budgeting easier, as fees are predictable and, when distributed monthly rather than annually, may be a little easier to manage.

They have different terms and functions, but many functions such as a Charge card. This means that you usually cannot keep a balance. It must be paid in full each month, so there is often no APR. But even without interest, these cards can be more expensive than traditional ones. Credit cards for beginners or other opportunity seekers. With a traditional credit card, you’ll never owe interest if you pay your bill in full each month — but with a no-interest card that charges a monthly fee, you’ll owe that fee every billing cycle, regardless of whether you’re using the card or keeping it in the drawer.

True, these new fintech cards can help your credit because they often report your payments to some or all of the major credit bureaus. But there’s usually a catch here, too: Once you’ve worked your way to better credit, there’s often no going back. Upgrade On the no-fee option. You’ll either have to keep paying the fees or cancel the card — which can negatively impact the credit you’ve just worked so hard to improve.

But if you’ve exhausted other options, here are some credit cards to consider with monthly fees.

gave New Card 1 The monthly fee is $84 ($7 monthly fee)and it doesn’t charge interest because you’re not allowed to carry a balance on the card from month to month. It earns 3% cash back on air travel purchases, which may or may not be waived depending on your travel — but rewards are less important when your goal is to build credit.

With that in mind, this card only reports payments to two. The three major credit bureaus By January 2026. If you can qualify for an option that reports all three and keeps the monthly fee low, that’s a better offer. gave New Card 1 May still be suitable for international applicants as it does not necessarily require a US credit history or Social Security number.

gave Extend Credit MasterCard A monthly subscription fee ranging from $3.99 to $12.99 is required. It doesn’t charge interest because you can’t carry a balance, and your purchasing options are limited. You can only use the card to pay for qualifying subscription services like Netflix, Spotify, etc. More expensive plans offer higher spending limits, which allows more subscriptions to be paid. Payments are reported to all three major credit bureaus. There is no credit check to apply, but you must link an existing bank account through a third-party service (Plaid) to qualify.

gave Super.com Card There is a secured card that requires a Super+ membership that costs $15 per month. Membership includes discounts and other benefits. The card itself does not charge monthly fees, interest or require a credit check. Funding your Super.com deposit account requires linking your debit card or bank account, which determines your credit limit. The card earns certain rewards and reports payments to the three major credit bureaus.

Unlike the other options on this list, TD Clear Visa Platinum Credit Card Offered by a traditional bank and not a startup or fintech. Instead of charging interest, the card requires an expected monthly fee of $10 or $20. Higher fees qualify you for higher credit limits. It doesn’t earn rewards, so you won’t have the option to pay anything. You can avoid late payment fees or foreign transaction fees, as the card doesn’t charge them. Aim for timely payments, though, to maintain healthy credit.

gave Ava Credit Builder Card Linked to a membership service that offers access to Ava products for $8 per month ($96 annually) if you pay in advance. Otherwise, it’s $10 per month. It doesn’t charge interest, because you can’t carry the balance. There are limitations to consider, as you can only use the card at an Ava store and with Ava-approved merchants, up to a certain amount. Your payments are reported to all three major credit bureaus.

gave Kikoff Credit Card A secured card that requires the Kickoff Premium plan ($20 per month) or the Ultimate plan ($35 per month) to qualify. It does not charge interest. These subscription plans offer credit-building features, including reporting your payments to all three major credit bureaus if you meet the minimum deposit requirement. You’ll need to link an eligible account to fund the card in the amount that determines your credit limit. The card also earns rewards in the form of online deals. Card linked offer.

gave Atlas card Fees are $8.99 per month or $89 per year, and no interest charges apply. The card integrates with a handful of services, including a built-in subscription manager, a deposit account with early paycheck access and tax filing services. Get up to 10% cashback when you shop with select merchants, up to 5% cashback on eligible subscription services and up to 3% cashback on everyday essentials. You can also earn more with Lucky Swipes, a feature that offers a chance to win cashback on purchases. You must contact the bank to fund the card with your credit limit. This card reports payments to all three major credit bureaus.

By January 2026, Possible cards Available by invitation only. There is no credit check and no interest charge, but it does require a fee of $8 per month for a $400 credit limit, or $16 per month for an $800 limit. You won’t earn rewards to help cover that cost either.