Need to build credit? You’re not alone. USA Today reports a 1/3 of Americans are delinquent on debt, and badcredit dot org reports that 1/3 of all Americans have a low credit score. It’s clear that many people are in need of a way to repair sagging scores. Choosing the right credit card can help in your quest to build credit. Check out the following cards to see if one is right for you.

Build Credit with these 3 Credit Cards

With the Citi Secured MasterCard, your initial deposit is invested into an 18-month cd versus a traditional savings account, allowing you to earn a bit more for your money. You’ll pay an annual fee of $29. You may want to avoid carrying a balance though, the interest rate is 18.24%

Capital One Secured MasterCard also has a high interest rate, 22.9%, so you won’t want to carry a balance here either, but there are several benefits to this card. One is a free credit monitoring tool that will allow you to track your progress in improving your credit. As you establish good payment and credit habits, you will be eligible for line of credit increases also.

If you are in the military, or are related to someone who is, you are eligible for the Navy Federal Credit Union nRewards Card. Unlike many credit rebuilding cards, there is no annual fee for this card, and the interest rate is low, only 8.9% There is also a rewards program that allows you to earn points for every dollar spent.

Do you need help choosing the right card to build credit rebuilding needs? We are here for you. Please contact us today!