Look for options like Chime, which are tailored to help individuals establish a positive credit history. I have no or limited credit history: If you're just starting out or have a limited credit history, think about choosing a credit card specifically designed for building credit.Here's a quick overview of the most common credit scenarios you may face and what you might want to look for in a credit card: When it comes to finding the best credit builder card, the answer largely depends on your credit history.