For most college students, the idea of “building credit” sounds like something that starts with a credit card. But what if you don’t have one, or can’t get approved for one yet?

Here’s the good news: you don’t need a credit card to have a credit score. There are now smarter, safer ways to start building credit from scratch, even if you’re just getting started with money management.

Let’s break down how credit scores really work, why credit cards aren’t your only option, and what you can do today to build credit responsibly.

How credit scores actually work

Your credit score is basically a number that shows lenders how reliable you are with money. It’s built from your credit report, which tracks your financial history; things like:

• Payment history: Do you pay bills and loans on time?
  
  

• Credit utilization: How much of your available credit you actually use.
  
  

• Credit age: How long you’ve had credit accounts open.
  
  

• Credit mix: The types of accounts you have (loans, credit cards, etc.).
  
  

• New credit: How often you apply for new accounts.

Most students start out with no score because there’s no data yet. Traditional credit cards help you build that history, but they’re not the only way anymore.

Why relying only on credit cards can be risky

Credit cards are powerful tools if used correctly. But they can also backfire easily, especially when you’re new to managing money.

Here’s why:

• High interest rates: Carrying a balance means you pay interest, often 20% or more.
  
  

• Temptation to overspend: It’s easy to forget it’s borrowed money.
  
  

• Late fees and penalties: One missed payment can hurt your score.
  
  

• Credit checks: Getting a credit card often requires a hard inquiry, which can temporarily lower your score.

So while a credit card can help you build credit, it’s not the safest or most accessible first step for students.

How to build credit without a credit card

If you want to start building credit without the risk of debt or interest, here are the best options available today.

1. Use a smart credit-building tool (like Fizz)

Fizz is built for students who want to build credit safely without needing a traditional credit card.

• It connects to your existing bank account.
  
  

• You spend as you normally would using your Fizz card.
  
  

• Purchases are repaid automatically from your bank account each day.
  
  

• Fizz reports your payment history to Experian and TransUnion, helping you build credit over time.

There’s no credit check, no interest, and no hidden fees, just real credit growth based on how you spend and repay. 

Fizz operates on debit rails but functions like a credit card behind the scenes, giving you the credit-building benefits without the same financial risk.

2. Pay your bills on time (and make them count)

Some recurring bills can now help you build credit. Tools like Experian Boost can report your rent, phone, or streaming payments to credit bureaus, adding positive data to your report.

Tip: Set up autopay for recurring bills so you never miss a due date. On-time payments make up 35% of your credit score.

3. Take out small, manageable student loans (if applicable)

If you already have student loans, those payments help establish credit history, as long as you stay current. Make sure to start repayment on time, even if it’s a small amount.

Consistent on-time payments show lenders that you’re responsible with borrowed money.

4. Become an authorized user

Ask a parent or guardian with good credit to add you as an authorized user on their card. You don’t even need to use the card; their positive payment history can start improving your score.

Just make sure they have a solid record of on-time payments, because any missed payments will reflect on your report too.

5. Use rent reporting services

If you live off-campus, platforms like RentTrack or LevelCredit can report your monthly rent payments to credit bureaus. Since rent is usually your largest monthly expense, it’s a simple way to turn regular payments into credit growth.

Credit-building options compared

Why Fizz is a smarter choice for students

Fizz was designed specifically for students who want the benefits of credit without the pitfalls of traditional credit cards.

With daily autopay and no interest, you’re protected from debt while still building real credit history. Plus, it’s built to work with how students already spend, from campus cafes to online subscriptions.

If you’re looking to start building your financial future early, Fizz helps you do it the right way: safe, simple, and stress-free.

Key takeaway

You don’t need a credit card to have a credit score. What you need is consistency, making payments on time, keeping spending in check, and using tools that report your activity responsibly.

If you’re a student looking to build credit safely, Fizz makes it simple. You can start today without interest, without credit checks, and without the risk of debt.

FAQs

1. Can I build credit with a debit card?
Not with a regular debit card. But with Fizz, which uses debit rails and reports to credit bureaus, you can build credit safely through your everyday spending.

2. What credit bureaus does Fizz report to?
Fizz reports your payments to Experian and TransUnion, helping you build a reliable credit history over time.

3. Does Fizz require a credit check?
No, Fizz does not require a credit check to sign up. You can start building credit even if you have no prior credit history.

4. How long does it take to build a credit score?
You can start seeing a score within 3 to 6 months of consistent on-time payments. The more responsible activity you show, the stronger your score becomes.

5. What’s the safest way for students to build credit?
Using tools like Fizz or rent-reporting services is the safest way to build credit early. They eliminate the risk of debt while still adding positive data to your credit report.