Best credit cards to make credit

Applying for a secured card is a simple way to begin building your credit history. Secured cards are a way to prove to a lender you can be responsible without a lender having to take much risk. When you open a secured card, you put down a deposit and the lender gives you a line of credit. Typically, your line of credit matches the amount of your deposit. But just like credit cards, not all secured cards are created equal.

Given is the list of the top credit cards needed to build credit for yourself.

State Department Federal Credit Union

You are eligible to join the SDFCU if you are an employee of the Department of State or one of the extensive organizations with ties to the credit union. If you don’t work for the Department of State, you may also be eligible through the American Consumer Council. You can join the ACC for only $5 if you have used any major consumer product or service within the past 12 months and you probably have.

Visa Classic Secured Credit Card

One of the eligible associations for membership is the National Sheriff’s Association. It costs $38 to join the NSA as an auxiliary member or student. By joining the NSA first, anyone can then become a member of the Justice Federal Credit Union. This brings the cost of membership to $43. It provides financial services to employees of Justice, Homeland Security and the Law Enforcement Community, as well as their family members.

Digital Federal Credit Union

You must be a member of DCU in order to apply for the secured card. You can be eligible to join DCU if a relative is already member, if your employer offers membership or your community is included within field of membership. If none of these apply, you can join an organization with member privileges. Joining these organizations range in membership cost from $25 to $120. Once you join DCU, you have a lifelong membership, so you could cancel a membership with the other organization after joining.

Capital One secured card

If you currently cannot afford the $110 – $500 deposit, consider the Capital One  secured card with a $49 minimum deposit for a $200 line of credit. Capital One used to have an annual fee of $29, but now provides no annual fee. However, this deposit is based on what Capital One deems as creditworthy. It is possible it will ask for a deposit of $99 or $200.

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