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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

    3 1,967 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until March 2016
    • 0% Transfers until March 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until March 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until March 2016
    • 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
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    3.5 1,372 reviews

    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 Limited History
    • Rewards Details
    • Additional Info
    • Start with a $0 intro 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 credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • See All Reviews & Details About The Capital One® Platinum Credit Card
    4 4,380 reviews

    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 24.9% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, with all the credit building benefits
    • 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 with 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®
    4 1,128 reviews

    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 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
    3 294 reviews

    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 Bad
    3.5 1,889 reviews

    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 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
    3 1,423 reviews

    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 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
    3.5 772 reviews

    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 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
    3 568 reviews

    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 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
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    Community Discussion

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

     
    Jun 26, 2015
    By:
    I applied for my first credit card after having an established checking account with a bank for at least a year. Having no credit makes applying for your first card a bit difficult but it helps if you have an established account in good standing with the same company that will provide your first credit card. That way the company feels more comfortable with your history with them and this increases your chances of securing your first credit card.
    Jun 26, 2015
    By:
    I started my credit career by applying for my first card while I was in college. It was great to be able to start building my credit while I was young, but I was also working lower paying jobs and was not the most responsible with the card. My first one was a Citibank card and for the first few months I paid the balance off monthly, but then when I transferred schools and did not have a job immediately, the balance crept up. It took be about 5 years to fully pay off the card. Getting a credit card in college is a great way to start building credit, but people need to be careful with how it is used and what expenses they use the card for.
    Jun 26, 2015
    By:
    I applied for my first credit card when I was barely 18. I would advise against this. I didn't have the knowledge to make smart purchasing decisions and it took awhile to get back to where I should be. A great first card is through a store. Yes, they may have higher interest rates but they are easier to get without a history of credit. As long as you pay off your balance every month and make smart choices you are on your way to building great credit!
    May 28, 2015
    By:
    I applied for my first card in college, and on the one hand, it was a great tool and let me experience things I couldn't have otherwise afforded on my work-study job. But on the other hand, it can get you into trouble. My first one was a Discover card, and it was nice making the cashback bonus, since in the beginning I was paying it off every month. You sometimes can spend more than you planned to because you're not seeing the money actually being spent. It's a good time to apply for one to build credit, even though they've tightened the rules for college students. You just have to be careful. If you work with your parents if you're a student, or your spouse if you're married, it's helpful to set up budgets and make sure you research different cards to make sure you're applying for a good card with no annual fee and low interest rates.
    May 27, 2015
    By:
    Another way to go if you're looking for your first credit card might be through a credit union. You should be able to get something suitable to you -- but looking at the cards here have a second look at the Capital One® Secured MasterCard® -- with no annual fee (but minimum deposit required since it's secured) this one will help keep you out of trouble with your first card. Remember, your credit card is not a bonus, it is a loan -- don't spend money you don't have on frivolous things. This is an important tip: set up your monthly payment to pay the balance in full and make sure you're aware of that balance each month. This will keep you from getting mired in credit card debt like so many of us do!
    May 20, 2015
    By:
    Store cards have high interest rates but can be good first cards. That is because they usually have an easier approval process and do not carry an annual fee. Make sure you are careful though or you will pay the high interest rates.
    May 16, 2015
    By:
    The Capital One® QuicksilverOne® Cash Rewards Credit Card is a good and easy to get first card. You just have to be sure that you pay off everything on time because the rates are VERY high, just like they will be for any card you can get with no history. You should not get a credit card unless you know you can control your spending.
    May 8, 2015
    By:
    I got my first credit card when I was 18 and starting college. I had an account set up with mastercard and I have used that same card for several years. Over the time I had it being used to help build my credit, despite that it did not come with any rewards program or anything. Thankfully I managed to build a good credit.
    May 2, 2015
    By:
    I have only ordered one credit card in the past and never used it. And have a 0 credit score I have already checked. And want to start with my first time credit card to build a credit history
    ISAAC DANIEL SHOFF
    Apr 27, 2015
    By:
    I would recommend the Capital One Secured card for someone who is just starting out building credit. They are one of the few cards I know that have a low deposit amount. If you pay on time, you are sure to get a credit increase. Also, if you maintain in good standing, they will send you an offer for their Quick Silver card. It is a great way to get started creating credit. Just make you make on-time payments.
    Apr 23, 2015
    By:
    I would recommend the capital one secured mastercard for someone trying to build their credit. Paying the deposit to secure the card helps ensure, psychologically if nothing else, the importance of paying the card back. Most importantly, there is zero annual fee so you can pay the card monthly and build credit for free.
    Apr 19, 2015
    By:
    When I was 21 and In college I had little to no credit history. I had a paypal account and looked into their paypal mastercard. They will give you a credit card as long as your paypal has been in good standard with no incident. I used this credit card for several years with no problem. This card had no benefits such as cash back or gas rewards but it did help build my credit up over those few years. It's an easy way to get an easily approved credit card just to do it through paypal that is in good standing. I hope this helps you out.
    Apr 8, 2015
    By:
    I first applied for a credit card when I was 23 years old. I was enticed by the percentage off of gasoline. I used it as a gas card for a while, but then began purchasing other things. I like having a credit card because it helps me spend money. I am a tightwad and it helps me finally spend some money when I need to. It is a Discover card and I still use it today and it has been 8 years.
    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.
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