New financial empowerment hub—now in your community

Student credit cards typically come with lower credit limits and built-in tools to help young adults manage spending wisely. Some offer perks like cash back, travel rewards, or reduced interest rates—making it easier to build credit while enjoying everyday benefits. 

 Secured credit cards require a refundable security deposit, which acts as collateral and may determine your credit limit—or the card may come with a set limit. These cards function just like traditional credit cards and are widely accepted anywhere standard cards are used, making them a reliable tool for rebuilding or establishing credit. 

Unsecured credit builder cards are designed for individuals with fair or poor credit who want to improve their financial standing without needing a security deposit. While these cards may come with higher interest rates, they offer a valuable opportunity to build credit through responsible use. Many also feature automatic credit line increases after consistent, on-time payments—helping users gradually strengthen their credit profile and gain greater financial flexibility. 

 Some fintech credit cards, such as those offered by Chime or Current, provide a fresh start without requiring a credit check. These cards often feature no annual fees, no interest charges, and flexible deposit options. Most importantly, they report to major credit bureaus, helping individuals with limited or damaged credit begin rebuilding their financial history with confidence.