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Find Your First Credit Card

Getting your first credit card can be daunting given the sheer number of options that exist. When considering your choices, remember that the best first credit card not only has the lowest fees and interest rates but also the highest likelihood of approval. Being declined can hurt your credit score and make getting your first credit card even harder.

In order to help you apply for the right offer, we have compiled a list of credit cards tailored specifically to people with no credit history (some offers are from CardHub sponsors). You may notice that some of the cards below…show more

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers until December 2015No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Fair, Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until December 2015; 22.9% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time.
    • Fraud Coverage if your card is ever lost or stolen
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
    • 24-hour travel assistance gives you a replacement card and cash advance.
    • Travel accident insurance.
    • Auto rental insurance—use your card to rent a car and you’re covered for collision, damage, and loss.
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card

    Capital One® Platinum Credit Card


    capital one standard platinum
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.9% (V)
    • Annual Fee $0 for 1st yr, $19 after
    • Rewards Rate None
    • Minimum Credit Fair, Limited History
    • Rewards Details
    • Additional Info
    • Start with no annual fee for the first year; $19 after that.
    • Get access to a higher credit line after making your first 5 monthly payments on time.
    • Fraud coverage if your card is lost or stolen.
    • Use online banking to access your account–even from your smartphone with our mobile app.
    • Pay by check, online, or at a local branch, all with no fee—and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week.
    • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker
    • See All Reviews & Details About The Capital One® Platinum Credit Card

    Capital One® Secured MasterCard®


    capital one secured credit card
    • Secured Credit Card Min Deposit of $49, $99, or $200
    • One-Time Fees None
    • Regular Rate 22.9% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Limited History, Bad
    • Rewards Details
    • Additional Info
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness—no additional deposit required
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • It’s a credit card—accepted at millions of locations worldwide
    • See All Reviews & Details About The Capital One® Secured MasterCard®

    Capital One® Classic Platinum Credit Card


    capital one classic platinum credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 20.9% (V)
    • Annual Fee $39
    • Rewards Rate None
    • Minimum Credit Fair, Limited History
    • Rewards Details
    • Additional Info
    • Get the credit you need with a competitive rate
    • Get access to a higher credit line after making your first 5 monthly payments on time.
    • Fraud coverage if your card is lost or stolen.
    • Use online banking to access your account–even from your smartphone with our mobile app.
    • Pay by check, online, or at a local branch, all with no fee—and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week.
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
    • See All Reviews & Details About The Capital One® Classic Platinum Credit Card

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 9.99%
    • Annual Fee $49
    • Monthly Fee None
    • Minimum Credit Fair, Limited History, Bad

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.5% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Limited History, Bad
    • Rewards Details
    • Additional Info
    • Build Your Credit, with monthly updates to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Extra Credit When You Need It, increase your credit line up to $5000.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Easy funding options, with 4 ways to fund and NO checking account needed.
    • After your Account is open for one year or more Capital Bank will charge you a Credit Limit Increase Fee of $25.00 each time you add Deposit Funds and increase the Credit Limit and a Credit Limit Decrease Request Fee of $25.00 each time you request a reduction in your Credit Limit.
    • Apply in less than 5 minutes.
    • See All Reviews & Details About The Open SkySM Secured Visa® Credit Card

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Fair, Limited History, Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Select MasterCard® Secured Credit Card

    First Progress Platinum Elite MasterCard® Secured Credit Card


    platinum secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 19.99% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Fair, Limited History, Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Elite MasterCard® Secured Credit Card

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress mastercard secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    • Annual Fee $44
    • Monthly Fee None
    • Minimum Credit Fair, Limited History, Bad
    • Rewards Details
    • Additional Info
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Deposit held at FDIC-insured bank.
    • Set your own credit limit, which is secured by your deposit of $300 - $2,000.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See All Reviews & Details About The First Progress Platinum Prestige MasterCard® Secured Credit Card
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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    Community Discussion

    Ask a question or help others find the best credit card by sharing some tips.

     
    Mar 26, 2015
    By:
    I started building my credit by getting an Amex card when I was 18. I didn't charge it too high and kept paying it off every month. Within about 6 months I had enough credit to get myself a car loan. From there I just kept up on my utility bills and other payments and my credit was good to go. By the time I was 23 I bought my first house. It is extremely important to keep up on bills, though, otherwise it's kind of like a house of cards that can keep crashing down on you.
    Mar 9, 2015
    By:
    I began building my credit by using a cosigner card with my father, when I was eighteen. The $200 limit and responsibility to the bank made it easy to limit my spending while creating a positive business relationship with my credit card issuer. I supplemented this by opening a secured VISA, also for $200, meaning I could put all of my purchases throughout the month on two cards, pay them off when I got paid, and never carry a balance. This helped me reach a 700+ rating by the time I graduated.
    Feb 12, 2015
    By:
    Open Sky Visa is one of the best cards to use when starting to build credit. It is a secured Visa card, and it does require a deposit. The deposit is lower than most secured Visa cards. It requires no credit check, and the company reports payments monthly to credit bureaus. It is a great way to build credit and keeping your finances on track.
    Jan 6, 2015
    By:
    I honestly believe that when you aren't familiar with credit yet and you are just starting to build your score, it is really beneficial to start with a good secured card. I personally recommend the First Progress Mastercard (listed as platinum elite but don't let those words throw you off!) Otherwise its too easy to forgot and/or not realize that you are not just spending money given to you but you are putting your own money as a down-payment in order to get the credit card. A secured card will automatically make you want to be more responsible with it, and using the card responsibility will help both build your credit and give you a chance to understand how credit cards work and how to be responsible with them by the time you are able to apply for and receive an unsecured card. You get to learn about begin responsible with credit while building your score, so many people who fall for those huge limit unsecured cards right as they are starting to bold their credit find themselves in a mountain o debt and bad credit because they didn't really understand how to be responsible with their card and how much of an impact credit has on their life.
    Jan 1, 2015
    By:
    For people just starting to build their credit i recommend the Capital One Quicksilver visa card. This was my first card i had been approved for after countless tries with other companies. They started me out with a low limit of $300 and promised to give me an increase if i made payments on time for 5 months. I've been constant with my payments, i now have an increased limit and my credit is in the green!
    Dec 20, 2014
    By:
    Get the Capital One Platinum Card. I’ve been using it and I have never had a problem with it. Just don’t be late with your payments.
    Jan 13, 2015
    Photo of Terrance M.
    Capitol One has great starter cards when you're trying to build up your credit. They were my first credit card years ago, and also never had a problem with them. Just be sure to use it a few times a month and remember to pay it off at the end of each month. Then slowly your credit will grow!
    Dec 15, 2014
    By:
    I would recommend the Capital One QuicksilverOne Cash Rewards Credit Card for first time card users. The 0% purchases and transfers fee is very attractive and it lasts until September 2015. You also get cash back which is pretty nice.
    Oct 8, 2014
    By:
    I started building credit with a credit card from FirstBank One with Union Bank. It was the first credit card I owned. I also co-signed a car loan with my mom. This helped me build credit since I did not have any credit history back then. I made sure we paid on time every month until we had the car paid in full.
    Sep 21, 2014
    By:
    I would recommend the Journey Student Rewards from Capital One for those who are just starting out with a credit card. You get 1% cash back and there is no annual fee. It’s ideal for those who don’t much credit history.
    Aug 29, 2014
    By:
    I applied for my first credit card at a local bank where I had had a checking account for about a year. It was a very basic card with low interest. It had a $30 monthly payment. I tried to only use it for things like groceries and home goods, and I only purchased when I knew I had the cash to back it up. My goal was to improve my credit. I also used it in a few emergencies when I badly needed gas or diapers but my paycheck hadn't made it yet.
    Jul 23, 2014
    By:
    My first credit card was a Discover account geared specifically towards college students. It had a reasonable credit limit, and the interest rate was low. I thought this card was particularly good because they didn't change the terms once I graduated from college. When I eventually needed help from customer service, however, I found them to be not very helpful. It's why I do not continue to have a Discover Card today.
    Jun 26, 2014
    By:
    I started building credit by opening up a student visa card when I turned 18. I would use it on purchases, and then pay off the monthly balance each month, and never paid interest. It was a great way to build credit, and today I have an excellent credit score.
    Dec 9, 2014
    Photo of Jennifer B.
    I too built my credit this way. This enabled me to get my first mortgage at the age of 21. I was also able to get a reasonable car loan because of this. I think the only caution here is only buy things that you know you will be able to pay off at the end of the month. Other wise the interest can add up and you may find that you ruined your credit instead of building it up.
    Jun 10, 2014
    By:
    My first card was the Discover Student Card (Now I believe it is the Discover It Card). I got a 6 month no interest introductory rate and you get 1% cash back on everything and 5% back on select categories that change each quarter. Also, if you shop through their online mall you can get even more cash back. The rewards really add up if you pay off the card each month. It's a good way to build your credit, and it's a great first credit card for those you do not have enough credit built up to get other cards.
    Jun 3, 2014
    By:
    For someone just starting out, I would recommend a card like the Chase Freedom card. I would say that it's safe to say that someone just starting to build their credit would be younger and perhaps still in college. This card offers cash back for everything purchased and is a good starter card. When I was in college, I started with a gas card, but a credit card is just as good. Keep the limit low and be sure to pay off the balance.
    May 27, 2014
    By:
    The Capital One Platinum credit card is what I'm using to build my credit. The Capital One app works very well for me to check out both my credit card info, but also my Capital One 360 bank account. I fully recommend it.
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