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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

    3.5 2,541 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% until November 2016
    • Transfer Intro APR 0% until November 2016 No Transfer Fee
    • Regular APR 23.24% (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 Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until November 2016; 23.24% 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
    • 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
    • MasterRental® Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • Master RoadAssist® Service - take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery, and more
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    3.5 1,832 reviews

    Capital One® Platinum Credit Card


    capital one platinum
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 24.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Pay no annual fee
    • 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
    • Help strengthen your credit for the future with responsible card use
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • See More Details & Reviews About The Capital One® Platinum Credit Card
    4 4,964 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 24.99% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • 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 More Details & Reviews About The Capital One® Secured MasterCard®
    3 561 reviews

    Primor® Secured Visa Gold Credit Card


    primor secured visa gold 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 2,285 reviews

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.64% (V)
    • Annual Fee $35
    • 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 More Details & Reviews About The Open SkySM Secured Visa® Credit Card
    3 1,512 reviews

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress platinum select mastercard
    • Secured Credit Card Min Deposit of $200
    • 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 $200 - $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 More Details & Reviews About The First Progress Platinum Select MasterCard® Secured Credit Card
    3.5 845 reviews

    First Progress Platinum Elite MasterCard® Secured Credit Card


    first progress platinum elite mastercard
    • Secured Credit Card Min Deposit of $200
    • 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 $200 - $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 More Details & Reviews About The First Progress Platinum Elite MasterCard® Secured Credit Card
    3 600 reviews

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress platinum prestige mastercard secured credit card
    • Secured Credit Card Min Deposit of $200
    • 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 $200 - $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 More Details & Reviews About The First Progress Platinum Prestige MasterCard® Secured Credit Card
    3.5 258 reviews

    USAA Secured Cards® American Express® Card


    usaa secured credit card
    • Secured Credit Card Min Deposit of $250
    • One-Time Fees None
    • Regular Rate 10.15% - 20.15% (V)
    • Annual Fee $35
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Best for members rebuilding or establishing credit. It's a real credit card — not a debit or prepaid card
    • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
    • Retail and Travel Benefits: Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.Identity theft resolutions services provides assistance should you become the victim of identity theft.Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.Travel accident insurance provides coverage for you and your family members when your card is used to purchase common carrier travel tickets.
    • Security: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
    • Special Benefits for Military: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 10.15% and 20.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
    • See More Details & Reviews About The USAA Secured Cards® American Express® Card
    3.5 134 reviews

    USAA Classic American Express®


    usaa classic american express
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 18.15% - 24.15% (V)
    • Annual Fee $35
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Best for members with average credit
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months
    • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history
    • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
    • Retail and Travel Benefits: Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.Identity theft resolutions services provides assistance should you become the victim of identity theft.Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.Travel accident insurance provides coverage for you and your family members when your card is used to purchase common carrier travel tickets.
    • Security: Identity theft resolutions services provides assistance should you become the victim of identity theft. Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases.3Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
    • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 18.15% and 24.15%, will apply. This rate will vary with the market based on the prime rate.Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
    • See More Details & Reviews About The USAA Classic American Express®
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    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.

     
    Nov 18, 2015
    By:
    First credit card ever. Which one is the best to apply for when I never had credit?
    Dec 1, 2015
    Photo of Card H.
    Your main goal should be to find a card that does not charge an annual fee which you can get approved for. If you have an active college email address, we recommend comparing our editor’s picks for the best student credit cards ( http://www.cardhub.com/best-credit-cards-for-college-students/ ). If not, the Capital One Platinum Card and the Capital One Secured Card both are excellent options. You can also try out our CardAdvisor tool for additional personalized recommendations: http://www.cardhub.com/cardadvisor/ . Best of luck!
    Nov 16, 2015
    By:
    I started to build my credit several decades ago when I was in my early twenties. Back then it wasn't too hard to qualify for a credit card. My first card was a Bank of America Visa card. I was trying to build up my credit so that my husband and I would be able to qualify for a house. I also applied for a JCPenney store credit card and qualified for that one, too. I made certain no make a few purchased and pay them off in full each month for a few months to keep my credit score high. It didn't take long to establish good credit and my husband and I were able to get a house shortly after because of it.
    Nov 16, 2015
    By:
    Building my credit was tough. When I was younger I made some bad decisions with my spending that pretty much tanked my credit score and rebuilding it took years. I started by getting a copy of my credit report and, over time, paid off each derogatory account that I had. At the same time I got a car loan for a vehicle with a high interest rate but paying it on time only helped build my credit.
    Oct 12, 2015
    By:
    I am not really used to any other card besides my Capital One and Chase cards since I have been with them for about 6 years now. To be honest, I still think that Chase had the best prepaid plan, and with this card, I am no longer in debt. The best part about my prepaid card is that there are no extra fees and I get money back. I think that when you are dealing with credit cards, you really need to know what you are doing. Otherwhise, everything will be messed up and you will end up paying more than you originally wanted to.
    Jul 19, 2015
    By:
    I wasn't really interested in having a credit card since I never thought I would use it. I ended up acquiring a credit card through a site called Swagbucks because they were having an offer where you got $20 if you were accepted for a card. I let it sit in my wallet for a few months, inactivated, until I needed to make a purchase and my money was all mixed up. I activated it and used, and have used it ever since. I love building my credit for the future, and the cash back I receive when I use my card.
    Jul 18, 2015
    By:
    I started building my credit with a CapitalOne Newcomer card. It is a credit card designed to help new immigrants to the country establish credit. I believe the card was actually the CapitalOne Quicksilver card or at least the first rendition of the card. I would pay for a tank of gas with my credit card and pay it off each month. After 6 months I was able to get a loan for a new car. The CapitalOne card really helped me to build my credit and I am grateful that this card existed otherwise it would have been very difficult for me to establish credit after moving to the US from Canada.
    Jul 17, 2015
    By:
    When i decided to buy a house i knew i needed to have good credit. So i applied for 3 credit cards to build my credit. I got a target card, an old navy card and a lowes card. Whatever i bought i used the credit card and paid it off right away. In a matter of months my credit was building steadily. I'm in my house as i speak.
    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.
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