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Credit Builder Cards

Credit builder cards are a great choice for those with poor, little or no credit history. A small credit limit is usually given at first. By making your monthly payment on time each month, you may then be eligible for a lower interest rate card or be given a higher credit limit.

By using a credit builder card and making monthly payments on time, every time, you will gradually build up a good payment record, improving your credit score and increasing your chances of obtaining credit in the future.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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RCS Credit Card

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 1 000,00
  • No initiation fee
  • No monthly fee
  • Initiation and monthly fee determined on application
  • Use the card in over 21,000 stores
  • No cashback or rewards offered
  • Click here for more details

Access to South Africa’s biggest independent shopping network of over 21,000 stores. Just look out for the RCS logo, and shop for the brands you love! Affordable monthly instalments, with flexible payment options including a revolving credit facility or 24 or 36-month budget plans (for purchases of R600 or more). Get access to exclusive offers and promotions and benefit from Customer Protection Insurance. Interest governed by the National Credit Regulator.

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RCS Game Card

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 2 000,00
  • No initiation fee
  • No monthly fee
  • Initiation and monthly fee determined on application
  • Up to R50 000 credit granted
  • Flexible repayment options
  • Click here for more details

Get R400 in vouchers when you open a Game Account (R300 voucher off purchases of R4000 or more and R100 voucher off purchases of R1500 or more). Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 & 36 months. Benefit from 20% off delivery and extended warranties and get access to exclusive deals and offers. Applicants must be 18 years or older and employed earning R2,000 or more per month.

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RCS Builders Credit Card

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 2 000,00
  • No initiation fee
  • No monthly fee
  • Must earn at least R2 000 per month
  • Benefit from extended warranties
  • No rewards offered
  • Click here for more details

South Africa’s largest home improvement and building materials specialist with 96 stores within South Africa. Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 & 36 months. Benefit from extended warranties and get access to exclusive deals and offers. Applicants must be 18 years or older and employed earning R2,000 or more per month.

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RCS DionWired Credit Card

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 2 000,00
  • No initiation fee
  • No monthly fee
  • Must earn at least R2 000 per month
  • Benefit from extended warranties
  • No rewards offered
  • Click here for more details

DionWired is South Africa's premier consumer electronics & appliances store. Flexible repayment options, with affordable monthly instalments. Repayment options: revolving, 24 & 36 months. Benefit from extended warranties and get access to exclusive deals and offers. Applicants must be 18 years or older and employed earning R2,000 or more per month.

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AMERICAN EXPRESS CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 3 000,00
  • Initiation fee of R 165,00
  • Monthly fee of R 24,00
  • American Express Card membership rewards
  • Balance transfer available
  • Budget facility available
  • Click here for more details

This is American Express's entry level card but does not mean you miss out on any of their fantastic benefits. Although you will receive a lower credit limit, you will still be rewarded for spending on your card by earning 1 point for every R5 spent. An added bonus with these points is that they never expire, so they can easily be accumulated and be redeemed against a variety of lifestyle and travel rewards. The card is a perfect way to budget for those larger purchases allowing you to spread payments of R300 or more over 3 to 36 months. A perfect first reward card for only R20 per month.

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BARCLAYCARD CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 5 000,00
  • Initiation fee of R 25,00
  • Monthly fee of R 35,00
  • Budget facility available
  • Up to 57 days interest free credit
  • No rewards or cashback offered
  • Click here for more details

Barclaycard was originally launched back in 1966 and is now the largest credit card company in the World. Although this credit card doesn't offer you rewards similar to that of its rivals for the R35 monthly fee, you are however given up to 57 days' interest free credit – longer than most provider's and also a budget facility for those larger purchases which can be repaid in instalments of 6, 12, 18, 24, 36 or 48 months. A single flat monthly service fee and free transactions make budgeting a breeze with this card.

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FNB CLASSIC CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 7 000,00
  • Initiation fee of R 165,00
  • Monthly fee of R 24,00
  • eBucks rewards
  • Personalised credit limit
  • No balance transfer offered
  • Click here for more details

If you earn more than R7 000 per month then this is one of the best reward credit cards available to you. By regularly using your card you will earn up to 3% back in eBucks on day-to-day shopping and up to 15% back on fuel. The eBucks reward system is fantastic as they can be spent at a number of eBucks partners and unlike other rewards schemes, the eBucks points earned never expire. Successful applicants will also benefit from no transaction fees on purchases and up to 55 days' interest free credit. Upon completing the application, depending on what you earn and your credit worthiness, a tailored rate will be applied. A great card to hold for emergencies and day to day purchases.

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VIRGIN MONEY CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 5 000,00
  • Initiation fee of R 150,00
  • No monthly fee
  • Simple pricing structure
  • Three colourful cards to choose crom
  • No cashback or rewards offered
  • Click here for more details

The Virgin credit card comes in three different colours to choose from and provides a transparent pricing policy removing any annual card fees. Virgin have made it nice and simple by only charging five individual fees for the use of the card. This included ATM withdrawals, enquiries, cash deposits, Branch cash withdrawals/cheque deposits and the charge for loss or stolen cards. Unlike many of its competitors the card has a variable interest rate that is linked to the repo rate which could potentially make this one of the cheapest cards on the market.

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BLUEBEAN ASPIRE CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 4 000,00
  • No initiation fee
  • Monthly fee of R 31,00
  • Balance transfer available
  • Access to special offers
  • No cashback offered
  • Click here for more details

The Bluebean Aspire credit card takes the stress out of paying your bills on time with easy payment options such as Automatic Bill Payments and the Automatic Payment Option (APO). The APO allows you to choose the amount you wish to pay, whether it be the full outstanding amount or the minimum payment, and the date you want the APO to come out your bank. You can also set up automatic bill payments to pay for items like your cell phone account without having to queue in branch. A great choice for those with a hectic lifestyle.

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BLUEBEAN BELIEVE CREDIT CARD

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 4 000,00
  • No initiation fee
  • Monthly fee of R 53,00
  • Balance transfer offer
  • Access to special offers
  • No cashback offered
  • Click here for more details

Perfect for people on the move. The Classic credit card provided by Bluebean comes with a contactless payment system, which is one of the simplest and safest ways of making transactions under R200. Self-service banking also comes as standard, meaning you can be in control of your finances 24/7 wherever you are - either by telephone, cell phone or via internet banking. Unlike any other credit card on the market, for a fee of R112 all Bluebean cards allow you to have a picture of your choice on the front of the card, making it that bit more personal.

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