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Credit Cards for No Credit
- Compare no credit, credit cards from our partners for those with limited or no credit history
- Independent ratings and reviews of credit cards for people with no credit
- Secure and immediate online application process
See offers from our partners below.
This site is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
- Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
- Annual Fee $0
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Mastercard®
- Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
- Annual Fee $0
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Mastercard®
Highlights
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Credit Card
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.49% Variable APR *Rates as of December 12, 2024
- Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.49% Variable APR *Rates as of December 12, 2024
- Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
Highlights
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Raise your credit score by 30+ points.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
See additional details for Discover it® Secured Credit Card
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
- Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
- Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Annual Fee $75.00 1st year, $48.00 after*
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
- Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Annual Fee $75.00 1st year, $48.00 after*
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Earn 1% cash back rewards on payments made to your First Digital Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- Build up your credit history with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Cash Back Rewards Programs Terms & Conditions for details
See additional details for First Digital Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 35.99%
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 35.99%
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
See additional details for AvantCard Credit Card
- Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
- Fraud Liability $0 fraud liability for unauthorized charges.
- Worldwide Acceptance Use it anywhere Mastercard is accepted.
- Annual Fee $36 for first year. Billed $3 per month thereafter
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
- Fraud Liability $0 fraud liability for unauthorized charges.
- Worldwide Acceptance Use it anywhere Mastercard is accepted.
- Annual Fee $36 for first year. Billed $3 per month thereafter
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
See additional details for Merrick Bank Secured Credit Card
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Secured Credit Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line Initial credit line of $200 - $2,000 with the ability to increase up to $5,000 over time
- Regular Purchase APR 18.49% (V)
- Annual Fee $39
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line Initial credit line of $200 - $2,000 with the ability to increase up to $5,000 over time
- Regular Purchase APR 18.49% (V)
- Annual Fee $39
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Get A Fresh Start A discharged bankruptcy in your credit file will not cause you to be declined
- Regular Purchase APR 14.49% (V)
- Annual Fee $49
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Get A Fresh Start A discharged bankruptcy in your credit file will not cause you to be declined
- Regular Purchase APR 14.49% (V)
- Annual Fee $49
- Credit Needed Limited / Poor
- Card Brand Mastercard®
Highlights
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Reflex® Platinum Mastercard®
- Rates & Fees 0% APR on purchases and no late fees or overdraft fees
- Build Credit & Savings When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Rewards Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
- Annual Fee From $4.99/month
- Credit Needed Limited
- Card Brand Mastercard®
- Rates & Fees 0% APR on purchases and no late fees or overdraft fees
- Build Credit & Savings When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Rewards Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
- Annual Fee From $4.99/month
- Credit Needed Limited
- Card Brand Mastercard®
Highlights
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Monitor your credit score right in the app
- Get an in-depth monthly credit report with Firstcard+ and Firstcard Premium
- Instant access to your virtual card once your account is approved and you add your virtual card to your phone’s digital wallet
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
- Disclosures
See additional details for Firstcard® Secured Credit Builder Card with Cashback
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Credit Cards for People with No Credit
Even if you are good at managing money and always pay your bills on time you may have limited or no credit history. That can be a problem, though, because credit card companies and banks want to see a track record in order to predict whether or not you’ll be a good customer and won’t abuse your card or procrastinate when it is time to make a minimum payment.
Having a limited credit history can be a frustrating situation because you have limited options available to you in order to demonstrate your credit worthiness. You are stuck in a classic “Catch-22” situation. The good news is that there are credit card companies that will issue credit cards for no credit history individuals. These no credit credit cards are reviewed and summarized in this section so that you can browse through them and find one you like.
Once you get approved you can start building a credit history by making sure that the card you have chosen reports your payment history to the “big three” credit reporting agencies on a regular basis. By using the card responsibly you’ll soon establish a verifiable track record and your credit rating will go up along with your credit score. Then you’ll no longer have to rely solely upon “no credit history” credit cards and can “upgrade” to a credit card product with lower interest rates and which offer reward programs.
