Credit-Builder Cards With Monthly Fees

NerdWallet

by Melissa Lambarena

February 14, 2026

AI-Generated Deep Dive Summary

Credit-builder cards with monthly fees offer an alternative for individuals looking to establish or rebuild credit, but they come with costs that can add up over time. These cards are designed with features like spending limits, deposit requirements and regular fee structures, which aim to provide more control and financial protection compared to traditional credit-builder options. While they may seem appealing for their guardrails and structured approach, it’s important to weigh the benefits against the ongoing expenses. These cards typically require a security deposit or monthly fee in exchange for access to a line of credit that’s tied to the deposit amount. For example, a $200 deposit might grant you a $400 credit limit. The monthly fees vary but can range from $15 to $30 per month, depending on the issuer and card features. Some cards also charge additional fees for late payments or overdrafts, which can quickly increase the

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Originally published on NerdWallet on 2/14/2026