3. Capital One Platinum Credit Card
Score: 40 points;
Minimum credit: Limited history (20 points);
Minimum deposit: not required (15 points);
Annual fee: $0 (5 points);
Although it is made for users with average credit, the Capital One Platinum Premium credit card can also be used for the credit score improvements. You can easily reach the higher credit line, by making on-time payments in the first five months of card use. Since Capital One Premium is not a secured credit card, it doesn’t require a minimum deposit and users don’t need to pay an annual fee. Still, the APR for this card is relatively high. You will pay 24.99% for all purchases and transfers, but the card doesn’t require you to pay any special transfer feels.
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