There is an old saying “You have to play if you want to score” and the same holds true for building credit. When you apply for a credit card or take out a loan, the lender will check your credit report and credit score to learn about how you’ve managed credit in the past. If you have a long history of effectively managing credit and making payments on time, you’re more likely to get approved and get the lowest rates; however, if you don’t have a payment history – you’ll likely be denied or receive a higher interest rate. The offers below are designed to help you build credit even if you have a poor credit history, no credit history or a low credit score.