One popular strategy is known as credit card churning — opening and closing cards to earn sign-up bonuses and rewards.

Our opinions are our own. All told, this card is a solid and affordable option for those wanting to build or mend their credit history with little risk of getting into debt trouble.

This no-annual-fee card is ideal for renters looking to earn back some value on a major monthly expense. To snag significant rewards, though, you must commit to using the card for more than just rent.