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How to Build Credit Without a Credit Card
You can build your credit without a credit card by applying for a credit-builder loan or becoming an authorized signer on someone else’s card.
By 
Written by
Freelance writer
Jamie Johnson has over eight years of finance experience, with expertise on mortgages, student loans, and small businesses. Her work has been featured at Credit Karma, Bankrate, and The Balance.
Edited by 
Written by
Senior editor
Reina Marszalek has over 10 years of experience in personal finance and is a senior mortgage editor at Credible.
Updated March 27, 2025
Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”