Theresa Chalfant, Writer
@theresa_chalfant
Yes, rewards cards do build credit since major credit card companies will report account information to the credit bureaus monthly. Using your rewards credit card responsibly, by making on-time payments and keeping your balance low, is one of the best ways to establish a credit history and improve your credit score.
Several of the best credit cards for building credit offer rewards, and they can help you save money provided you pay off your balance each month to avoid interest charges. Rewards credit card offers are available for all credit levels, but the most attractive offers require at least good credit to qualify. You can check your credit score for free here on WalletHub to see where you stand.
Finally, it’s important to note that non-credit card rewards cards are another story. You might hear debit cards with rewards, or even gift cards, referred to as “reward cards.” Unlike credit cards, they will not help you build credit.
Popular Rewards Credit Cards in December 2025 from Our Partners
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People also ask
Are rewards credit cards worth it?
Rewards credit cards are worth it because they can save you a lot of money, as long as you avoid interest charges by paying your bill in full every month. The best rewards credit cards are worth more than $2,000 in savings for the average person over the first two years of use, even after annual fees.
You need good or excellent credit to get the most worthwhile rewards cards, however. Things aren’t as clear-cut for people with lower scores.
... read full answer by WalletHub, Financial CompanyDo rewards cards affect your credit score?
Yes, rewards cards affect your credit score, since the major credit card issuers all report account information to credit bureaus each billing cycle. Your credit score is based on the information the bureaus collect in your credit report, so using your card responsibly is the best way to build credit. In particular, you need to pay your bill on time every month and avoid using too much of your credit limit.
If you have bad or limited credit, you...
read full answer by Theresa Chalfant, WriterHow can I raise my credit score 200 points in 30 days?
You can raise your credit score 200 points in 30 days by disputing errors on your credit report, paying off past-due accounts, and lowering your credit utilization. Creditors typically report updated information monthly, so it is possible to improve your score by 200 points in 30 days. It will likely take several months for your score to realize its full potential, though.
You can use WalletHub’s free credit score simulator to learn how different actions can affect...
read full answer by Lauren Smith, WalletHub Staff WriterDid we answer your question?
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