- The UltraVX Visa Card is a smart way to rebuild credit and happens to be one of the only no-credit credit cards to offer rewards. You’ll get 1 point for each $1 spent and can redeem points for travel with Southwest Airlines, American Airlines, JetBlue, Marriott, and others.

UltraVX is a secured credit card. But even though your credit line is backed by your bank account, you’ll still build your credit score by using your UltraVX — something you wouldn’t do if by paying cash or with a debit card.