10 Best Credit Cards with the lowest interest rates in South Africa

 

The 10 Best Credit Cards with the lowest interest rates in South Africa (2025) – Reviewed. We have Rated and Reviewed the 10 Best Credit Card Options in South Africa with the Lowest Interest Rates, Cheapest Fixed Interest Rates, Interest-Free Periods, No (Zero) Interest, No Annual Fee No Balance Transfer Fees, and much more!

 

In this in-depth guide, you will learn:

 

1. The Best Credit Cards with the lowest interest rates in South Africa – a List.
2. Which Banks, Providers, or, Companies (Discovery Bank, Woolworths, FNB, Standard Bank, Absa, American Express) offer the Best Low Interest Rate, 24 – 36 Month no (0%) or low Interest Rate Credit Cards in SA?
3. Which South African Bank has the lowest interest rate on credit cards?
4. In terms of Credit Cards, what are Fair Credit, Bad Credit, Cash Advance, Balance Transfers, and APR?

 

 

And much, MUCH more!

 

 

 

 

10 Best Credit Cards with the lowest interest rates in South Africa – A Comparison

 

🔎 Provider	💳 Card Option	💶 Monthly Fee	📉 Interest Rate (from)
🥇 Discovery Bank	Gold	R30 ZAR	2%
🥈 Woolworths	Gold	R50.50 ZAR	21%
🥉 FNB	Aspire	R45 ZAR	Personalized
🏅 FNB	Gold Business	R85 ZAR	Personalized
🎖️ Absa	Gold	R55 ZAR	Personalized
🏆 Absa	Transact	R12 ZAR	20.50%
🥇 American Express	Platinum	R32 ZAR	19.75%
🥈 Standard Bank	Gold	R23 ZAR	11.75%
🥉 Standard Bank	Blue	R40 ZAR	11.75%
🏅 African Bank	Black	R55 ZAR	3%

 

 

10 Best Credit Cards with the lowest interest rates in South Africa (2025)

 

1. ☑️ Discovery Bank Gold Card – Overall, the Best Credit Card with the lowest interest rates in SA
2. ☑️ Woolworths Gold Card – Up to 2% CashBack in WRewards
3. ☑️ FNB Aspire Card – Automatic Debt Protection
4. ☑️ FNB Gold Business Card – The Best Credit Card for Rewards
5. ☑️ Absa Gold Card – Low Fees and Competitive Interest Rates
6. ☑️ Absa Transact Card – Unlimited card swipes
7. ☑️ American Express Platinum Card – High Reward Potential 
8. ☑️ Standard Bank Gold Card – Free Automatic Travel Insurance
9. ☑️ Standard Bank Blue Card –  Personalised Annual interest rate (APR)
10. ☑️ African Bank Black Card – Interest-free periods on Purchases

 

 

Discovery Bank Gold Credit Card

 

One of the best incentives from the Discovery Gold Credit Card is the dynamic interest rates that reward you for positive financial behavior.

Discovery Bank is a trustworthy credit card provider that offers its users exclusive benefits, lifestyle rewards, and much more. The Discovery Bank Gold Credit Card comes with a slew of perks, including up to 40% cash back on grocery purchases, Uber rides, and gas station fill-ups.

For every R1 earned in rewards, you will receive 10 Discovery Miles redeemable for airline tickets. When a client decides to spend their miles, they can receive discounts of up to 30%.

 

 

Discovery Bank Gold Credit Card Fees and Interest Rates

 

• ✅ Monthly account fee: R30
• ✅ Monthly Vitality Money premium: R25
• ✅ Monthly single credit facility fee: R35
• ✅ Total monthly account fee: R90

 

Interest rate:

 

• ✅ Up to 2% interest on your positive balances in your everyday accounts.
• ✅ Up to 6.75% interest on demand savings accounts.
• ✅ Up to 4% less interest on your borrowing rate.

 

 

Discovery Bank Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for any Discovery Bank product, download the Discovery Bank app and open your account in under five minutes. You can also leave your details on the Discovery website and they will call you back.

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

 

 

Discovery Bank Gold Credit Card Customer Review

 

🥇 Excellent Service!

I had excellent service when signing up for this credit card from Discovery. – Mandy

 

 

Discovery Bank Gold Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Dynamic interest rates	High Monthly Rate

 

 

Woolworths Gold Credit Card

 

This credit card is intended for consumers who appreciate receiving rewards, with 2% coupons redeemable at Woolworths stores throughout South Africa and 0.75% at non-Woolworths stores. Furthermore, 1% of fuel purchases can be refunded, and users are given 55 days of interest-free credit.

The Woolworths Credit Card has a 21% interest rate and a monthly admin fee of 50.50 ZAR. The application procedure is straightforward and takes only a few minutes to complete. Customers must earn over 3000 ZAR per month, be over the age of 18, and have a valid bank account to qualify.

 

 

Woolworths Gold Credit Card Fees and Interest Rates

 

• ✅ Monthly admin fee: R50.50

 

The Woolworths Credit Card interest rate is 21%.

 

 

Woolworths Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for a Woolworths Gold Credit Card, you must fulfill the following requirements:

 

• ✅ Be at least 18 years old
• ✅ Have a valid South African ID
• ✅ Earn in excess of R3000 monthly

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

 

 

Woolworths Gold Credit Card Customer Review

 

🥇 Purchase Power.

I have a lot of purchasing power with this credit card which has really helped me through hard times. – Jake

 

 

Woolworths Gold Credit Card Pros and Cons

 

 

 

FNB Aspire Credit Card

 

The FNB Aspire Credit Card is a popular alternative due to its access to exclusive deals at selected partners, automated debt protection, and complimentary Global Travel Insurance. The FNB Aspire Credit Card provides its users with several advantages, including access to FNB digital platforms, monthly eBucks bonuses, and no transaction restrictions.

 

 

FNB Aspire Credit Card Fees and Interest Rates

 

• ✅ Monthly card fee: R45

 

FNB offers a personalized interest rate, while you get up to 30 days interest-free.

 

 

FNB Aspire Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for an FNB Aspire Credit card, the following is required:

 

• ✅ You need to earn between R84 000 – R449 999 per year
• ✅ Copy of your recent pay slip
• ✅ Three months’ bank statements
• ✅ South African ID book/card
• ✅ Proof of residence

 

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

 

 

FNB Aspire Credit Card Customer Review

 

🥇 Low Monthly Fees

The Aspire Credit Card gives me low monthly fees at a fixed interest rate I can afford. – Jacob.

 

 

FNB Aspire Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Fixed interest rate provided	high-income requirement

 

 

FNB Gold Business Credit Card

 

The FNB Business Gold Credit Card is ideal for business owners who want to give their managers and sales representatives the ability to pay for goods and services.

The account features free swiping and no transaction fees on certain purchases, but gas and cash withdrawals must be paid for.  You will be able to control expenses, view your spending habits, and analyze transaction details using the Visa IntelliLink Spend Management system.

 

 

FNB Gold Business Credit Card Fees and Interest Rates

 

• ✅ Monthly account fee: from R85 / R159 (for Trust Entity)

 

While the interest rate is not provided it appears that personalized interest is offered depending on your credit profile.

 

 

FNB Gold Business Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for an FNB Business Gold Credit Card you will need the following:

 

• ✅ A Business Account with FNB
• ✅ Ask the Relationship Manager for the required application forms for completion

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

 

 

FNB Gold Business Credit Card Customer Review

 

🥇 Love it!

I love the fact that I get free global travel insurance with this card. – Jenny

 

 

FNB Gold Business Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Low monthly charges	Interest rate not supplied

 

 

Absa Gold Credit Card

 

The ABSA Gold Credit Card is an entry-level credit card that provides good value, has a low monthly fee, and provides conventional credit card privileges.

Absa Credit cardholders also have the ability to use their credit card anywhere in the world. The card also has cutting-edge technologies for easy in-store and online transactions. Lifestyle advantages such as discounts, cashback incentives, travel benefits, and more are also available.  There is a maximum credit supplied that competes with competitors, with credit that may be used for a variety of purchases based on the customer’s preferences.

The monthly account cost is 55 ZAR, and the maximum credit limit is 90 000 ZAR, with a 3% monthly minimum payable on outstanding amounts.  When used overseas, a transaction fee of 2.75% is charged. This credit card has an annual interest rate of 18%.

 

 

Absa Gold Credit Card Fees and Interest Rates

 

• ✅ Monthly account fee: R55

 

You get up to 57 days interest-free on qualifying transactions. Interest rates will be determined by your credit profile.

 

 

Absa Gold Credit Card Condition, Application, Limits, and, Utilization Rates

 

To apply for ABSA’s Gold Credit Card, these are the following requirements:

 

• ✅ Monthly income required: R4 000
• ✅ Age: 18 years or older
• ✅ Documentation required: Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months
• ✅ Subject to an affordability assessment

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

 

 

Absa Gold Credit Card Customer Review

 

🥇 Great Value.

This is my first credit card and it has provided me with a lot of great value so far. – Nandi

 

 

Absa Gold Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Low income is required to apply	Customer support can be lacking

 

 

Absa Transact Credit Card

 

The Absa Transact Credit Card is another first-time, entry-level credit card for consumers looking to establish a credit history. Customers must have a monthly income of at least 2,000 ZAR to qualify. Customers may expect a 20.50% interest rate with this credit card, with a maximum credit interest rate of 0.20% and 57 interest-free days.

The Absa transact account is a competitive service aimed at mitigating market challenges caused by the emergence of digital banks.

The product is designed to allure newcomers by providing them with access to a small bank account. Account costs, on the other hand, have been reduced at the expense of other high-tier bank goods.

 

 

Absa Transact Credit Card Fees and Interest Rates

 

• ✅ Monthly card fee: R12

 

The interest rate that customers can expect with this credit card is 20.50%, with a maximum credit interest of 0.20% and access to 57 interest-free days.

 

 

Absa Transact Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for an ABSA Transact Credit Card, you must fulfill the following requirements:

 

• ✅ Monthly income required: R2 000
• ✅ Age: 18 years or older
• ✅ Documentation required: Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months
• ✅ Subject to an affordability assessment

 

To apply, take the following steps:

 

• ✅ Click on the Apply Now button on the website
• ✅ On the Online Account Application page, enter the characters as displayed in the image
• ✅ Please complete the six-step assessment
• ✅ You may Save and continue later, or Continue at each stage of your assessment
• ✅ Click Apply when you have completed your assessment

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

 

 

Absa Transact Credit Card Customer Review

 

✅ Great First Time Credit Card.

This is a great first-time credit card that really helped me build my credit score. – Thandi

 

 

Absa Transact Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Interest-free days are offered for 57 days each year	Several additional fees

 

 

American Express Platinum Credit Card

 

The Platinum Credit Card is one of the most popular credit cards offered by American Express. This card has variable interest rates ranging from 15% to 20.5%.  The minimum income is not considered when applying for an American Express card, and this credit card is great for those who spend a lot of time traveling, whether for personal or business reasons.

Customers who use the American Express Platinum card enjoy access to over 1,000 local and international airport lounges in over 130 countries, as well as automatic travel insurance and countless additional benefits.

 

 

American Express Platinum Credit Card Fees and Interest Rates

 

The American Express® Platinum Credit Card:

 

• ✅ Credit facility service fee* (monthly): R32
• ✅ Primary Card (monthly): R458
• ✅ Additional Card (monthly): Free

 

The average interest rate across all Amex credit cards is 19.75%, at the time of writing.

 

 

American Express Platinum Credit Card Conditions, Application, Limits, and, Utilization Rates

 

You can apply for an Amex card in South Africa through Nedbank. To apply, you need to fulfill the following requirements and conditions:

 

• ✅ You need to be over 18 years old.
• ✅ You need to live in South Africa and have a valid South African ID or a valid passport and work permit.
• ✅ You need to earn at least R17,000 a month before tax and have a healthy credit score.

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

 

 

American Express Platinum Credit Card Customer Review

 

🥇 Great Rewards and Benefits.

I really get the most out of the rewards and benefits on my Amex card. Glad Nedbank made it available. – Wendy

 

 

American Express Platinum Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Great Rewards	Some cards can be more expensive

 

 

Standard Bank Gold Credit Card

 

The Standard Bank Gold Credit Card provides users with some of the best perks that a tier-one credit card in South Africa can provide. Few, if any, other cards can compete with the benefits provided by this card.

There are different insurance, travel, and lifestyle bonuses, as well as the extra benefit that this credit card is designed exclusively for first-time credit card clients. Customers who have a gold credit card must pay at least 3% of the outstanding debt on their credit card each month.  The repo rate + 14% is the highest interest rate for the gold credit card.

 

 

Standard Bank Gold Credit Card Fees and Interest Rates

 

• ✅ Monthly card fee: R23
• ✅ All secondary cards: R25
• ✅ Cash withdrawal at ATM: R8 per R1 000 up to R3 000 thereafter R2.20 per R100

 

For the Standard Bank Gold Credit Card, the Interest rates are personalized ranging from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

 

 

Standard Bank Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for a Standard Bank Gold Credit Card you can take the following steps:

 

• ✅ Sign in to your Internet Banking profile to apply online
• ✅ On the top navigation menu, select Borrow and complete your information
• ✅ Follow the on-screen steps to find out which credit card you qualify for

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit you have available. It is the total of your existing debt divided by your credit limit.

 

 

Standard Bank Gold Credit Card Customer Reviews

 

🥇 Great Benefits!

Great benefits with affordable terms. – Nick

 

 

Standard Bank Gold Credit Card Pros and Cons

 

✅ Pros	❎ Cons
A plethora of vacation bonuses	Cash Withdrawal Fee

 

 

Standard Bank Blue Credit Card

 

The Standard Bank Blue Credit Card is one of the most affordable credit cards that provides everyday banking comfort. However, because it is the least priced, one disadvantage is that it does not provide many benefits.

Customers must repay their credit in full within 55 days of receiving it to qualify for 55 interest-free credit days.

 

 

Standard Bank Blue Credit Card Fees and Interest Rates

 

• ✅ Monthly card fee: R40

 

Interest rates are personalized ranging from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

 

 

Standard Bank Blue Credit Card Conditions, Application, Limits, and, Utilization Rates

 

To apply for a Standard Bank Blue Credit Card you can take the following steps:

 

• ✅ Sign in to your Internet Banking profile to apply online
• ✅ On the top navigation menu, select Borrow and complete your information
• ✅ Follow the on-screen steps to find out which credit card you qualify for

 

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. It is calculated by dividing your total existing debt by your credit limit.

 

 

Standard Bank Blue Credit Card Customer Review

 

🥇 Affordable.

A very affordable credit card option. – Marc

 

 

Standard Bank Blue Credit Card Pros and Cons

 

✅ Pros	❎ Cons
A variety of benefits	High Repo Rate

 

 

African Bank Black Credit Card

 

The African Bank Black Credit Card has a minimal charge and a 62-day interest-free period.  The African Bank Black Credit Card is suitable for customers who need the facility but do not want to go over their monthly shopping budget.

The African Bank Black Credit Card comes with a slew of perks, including up to 62 days of interest-free credit for POS grocery purchases, free access to the African Bank digital channels, free access to credit scores, access to Credit Life Insurance, free swipes at any till point when grocery shopping in South Africa, up to 3% interest per year on a positive balance, and secure online shopping.

 

 

African Bank Black Credit Card Fees and Interest Rates

 

• ✅ Monthly service fee: R55.00
• ✅ Card replacement fee: R125.00
• ✅ Initiation fee: R125.00

 

Positive African Bank credit card balances earn up to 3% interest.

 

 

African Bank Black Credit Card Conditions, Application, Limits, and, Utilization Rates

 

For an online Credit Card offer suited to your lifestyle, you will need to have the following documents on hand:

 

• ✅ Most recent proof of income.
• ✅ You must be over 18 to apply for a Credit Card
• ✅ The latest bank statement reflects three months’ salary deposits.

 

Your credit utilization rate, also known as your credit utilization ratio, is the amount of revolving credit you’re using divided by the total amount of revolving credit available. In other words, it is the sum of your current debt divided by your credit limit.

 

 

African Bank Black Credit Card Customer Review

 

🥇 Easy Application.

It was really easy to apply for credit with African Bank and their service was excellent. – Grant

 

 

African Bank Black Credit Card Pros and Cons

 

✅ Pros	❎ Cons
Earn up to 3% in interest for making on-time payments throughout the year.	An initiation fee is charged when signing up

 

 

 

 

 

Factors to consider when choosing credit cards with the lowest interest rates.

 

There are a few important considerations to factor in when choosing a credit card with the lowest interest rates:

 

• ✅ Look at the APR. When researching balance transfer deals, you should opt for a card that offers a 0% introductory APR on balance transfers. There are also cards that provide 0% initial APR on purchases alone, not balance transfers.
• ✅ Consider the fees. Balance transfer fees are normally 3% to 5% of the entire amount moved on most cards, even those with 0% intro APR periods. Choose a card with a balance transfer cost at the low end of that range to guarantee that the interest savings are sufficient to pay the fee.
• ✅ Ongoing interest. In the short run, getting a credit card with a 0% introductory APR can save you money. However, once the interest-free term expires, you will be subject to a continuous APR, which is frequently high. This normal interest rate will be applied not only to new purchases but also to any outstanding balance from the introductory period.

 

 

If your primary goal is to pay off a significant purchase, earning incentives is probably not your top priority. However, once you’ve paid off your balance, you may want a card that will be useful when the 0% promotional term expires.

 

 

Pitfalls to avoid when using a credit card with the lowest interest rate.

 

There are some pitfalls to avoid in order to make the most out of your credit card with the lowest interest rates:

 

• ✅ Paying late. Late payments are one of the most serious credit card mistakes you can make, and they will remain on your credit report for seven years. That is a long time to pay for an error. The more late payments you have, and the longer your account is delinquent, the lower your credit score will be.
• ✅ Only paying the minimum. To avoid mistake #1, it goes without saying that you should make at least the minimum payment on your credit cards. Paying simply the minimal amount due, on the other hand, is a definite way to bury yourself in credit card debt for a long time – especially if you have a balance in the thousands.
• ✅ Running high balances. Carrying a big balance or maxing out your card is likewise a terrible idea — and not just because of the exorbitant interest you’ll be charged. Your credit utilization ratio, or how much of your credit limit you’re utilizing, is an important aspect of credit score calculations.
• ✅ Not paying attention to transactions. Make it a habit to review your credit card activities on a regular basis, whether through your online account or by reading your billing statement. If you see a charge that you know you didn’t make, it could be a symptom of fraudulent behavior – and it can be costly to ignore.

 

 

Credit card terms aren’t always easy to understand, but they’re necessary if you want to avoid being slammed with unexpected fees and charges. Take the time to read the fine print on your statement; it will provide you with more information on your introductory rates, balance transfer fees, and any other penalties you might face.

 

 

 

Why get a credit card with the lowest interest rate in South Africa?

 

Here’s why it is a good idea to get a credit card with the lowest interest rate in South Africa:

 

• ✅ Zero interest periods. For the duration of the introductory period, you will pay no interest on purchases. Most credit card offers run from six to eighteen months of interest-free purchases—and sometimes balance transfers as well.
• ✅ Great for large purchases. A low-interest credit card in South Africa is a big benefit if you want to make a large purchase, such as a television or trip, but need some time to pay it off. You can hold a balance and spread out repayments with no interest costs for a limited time.

 

 

Finally, it is useful for lowering high-interest balances. If you have high-interest credit card debt, you can transfer it to a credit card with a 0% APR on balance transfers. This provides you with a period of time during which no interest will be charged on your balance, so all of your payments will be used for the debt itself.

 

 

 

 

 

In Conclusion

 

 Now it is your turn to participate:

 

 Which Low-Interest Rate Credit Card from this list do you intend to test out?

 What was the determining factor in your decision to engage with a certain broker?

 Was it because of the Fees, Interest Rates, or, the Pros and Cons?

 

 Regardless, please share your thoughts in the comments below.

 

 

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You might also like: The 10 Best Credit Cards for Dining

 

 

Frequently Asked Questions

 

How do lowest-interest credit cards work?

Low-interest credit cards make large sums of money much more bearable, and they also offer more affordable options for consumers who carry balances from month to month.

 

How many low-interest credit cards should one have?

This is determined by your own purchasing needs and the amount of debt you can comfortably manage to accrue.

 

Should you put purchases on a low-interest credit card?

If you want to make a substantial purchase, such as a television or a trip but need some time to pay it off, a low-interest credit card in South Africa can help. For a short period, you can carry a balance and spread out repayments with no interest charges.

 

Why would someone want a credit card with a low-interest rate?

A lower interest rate can mean paying less in interest over time, so it’s worthwhile to inquire. You may even be able to apply for a credit card with a 0% APR for a limited time, though you’ll normally need strong or great credit to do so.

 

What does a low-interest credit card do?

A low-interest credit card saves you money by lowering your debt costs: When you pay less interest, you may repay what you’ve borrowed more rapidly. In the short run, a card with a 0% intro APR period will save you the most money on interest.

 

Is low credit card usage good?

Your credit utilization ratio should be 30% or below, with the lower the better for your credit score. One of the most crucial aspects of your credit score is your credit utilization ratio, and keeping it low is essential for high scores.

 

Which South African Bank has the lowest interest rate on credit cards?

Discovery Bank is the Best South African Bank with the lowest interest rate.

 

What is Fair Credit and Bad Credit?

The FICO credit scoring system ranks credit scores as follows: Poor: 300-579, Fair: 580-669, Good: 670-739, Very Good: 740-799.

 

In terms of Credit Cards, what is a Cash Advance, and Balance Transfer?

A balance transfer involves transferring debt from an existing credit card to a new or another existing credit card, whereas a cash advance, is using a credit card to get cash either through an ATM or by transferring it to your bank account.

 

In terms of Credit Cards, what is an APR?

For credit cards, interest rates are typically stated as a yearly rate and this is called the annual percentage rate (APR).

 

Other Resources

10 Best Credit Cards in South Africa

Low Interest Rate Credit Cards

Cheapest Credit Cards in South Africa

Easiest Credit Cards to Get Approved

Credit Cards for Debt Consolidation

Credit Cards for Low Income Earners

Credit Cards to Build Credit