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Credit Cards for People with No Credit

Whether you are new to credit or it has been less than three years since you first opened a credit card or loan, getting one of the cards listed on this page is a great way to build your credit history. This is an important step because your credit worthiness affects the loan terms you get, the insurance premiums you pay and whether or not you can rent an apartment, buy a car or even work in certain jobs. Even if you rarely make purchases, simply having an open credit card account in good standing will send positive information…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

    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
    • 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
    • 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
    • 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
    • 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
    • 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
    • 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
    • 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
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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
    of credit history

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    Expert’s Answers

    How to get a credit card with no credit:

    By: Odysseas Papadimitriou, CardHub CEOIf you haven’t yet built any credit, there are a number of credit cards that you’ll be able to get (including those listed on this page), so don't worry, there isn’t a trick to finding one. However, you must be careful to stick to credit cards specifically geared toward people with no or limited credit. If instead you apply for a credit card for fair or good credit, not only will you not get approved, but you may also put yourself at a greater disadvantage thanks to credit score damage coming as a result of repeated hard inquiries into your credit report.

    What features should I seek in comparing credit cards for people with no credit history?

    By: Odysseas Papadimitriou, CardHub CEOYour ultimate goal in using a no credit credit card is building credit as efficiently and cost-effectively as possible. The best way to accomplish that is to get into the habit of paying your bill on time and in full every month. If you can do this, you’ll render your card’s interest rate effectively irrelevant and make the annual fee your main consideration in comparing credit cards for people with no credit history. Should you find multiple cards with the same low annual fee, shift your focus to maximizing your rewards.

    What are the different types of no credit credit cards?

    By: Odysseas Papadimitriou, CardHub CEOThere are essentially three different types of credit cards for people with no credit: college student credit cards, unsecured no credit credit cards, and secured credit cards. College student credit cards usually offer the best terms because banks are eager to establish long-term relationships with people who are getting undergraduate degrees and are on their way to getting above-average-paying jobs. Unsecured credit cards for people with no or limited credit are for everyone else that is new to credit and usually have higher rates and fees. Secured credit cards are available to literally anybody, even people with poor credit, because they require a refundable security deposit that protects issuers against default. All three types of credit cards for no credit will report to the major credit bureaus and thereby help you build up your credit standing.

    With the exception of the credit cards for college students, which are obviously geared toward a specific customer segment, no credit history credit cards are not only used by young people, but by recent immigrants, divorcees and widows as well.

    Can I use a store card to build my credit?

    By: Odysseas Papadimitriou, CardHub CEO Store cards are in theory a good way to begin building credit, given that they report to the major credit bureaus and people with no credit often manage to get approved for them. However, stores often do not list the minimum credit levels required to open their credit cards and it is therefore difficult to determine which store credit cards cards are attainable. In light of the fact that multiple failed credit card applications are bad for your credit, blindly applying for a store card isn’t a wise play. You should therefore avoid store cards in the early stages of credit building and instead stick to credit cards specifically targeted to people that are new to credit.

    How are credit cards for no credit different from other credit cards?

    By: Odysseas Papadimitriou, CardHub CEOCredit cards for people with no credit history differ from other credit cards in two ways. First, the underwriting standards that banks use are specifically geared toward applicants with thin credit files or no credit information to speak of. Second, the terms offered by these cards lie somewhere in the middle of those provided by their bad credit and good credit counterparts. Banks are willing to give the benefit of the doubt to people using credit cards for new credit and therefore offer decent rates and fees, but their generosity only extends so far.

    Community Discussion

    Ask a question or help others find the best credit cards for no credit by sharing some tips.

     
    Mar 19, 2015
    By:
    I have a credit card for people with no credit or limited credit history. It's best feature is when it is an EMERGENCY. To not have the card when a dire circumstance occurs could mean temporary devastation. To have the flexibility to handle some of what life throws at you, gives you some peace of mind.

    On the other hand, the annual fees and interest rate and other fees are INSANE! I guess it's just the price you must pay to "buy" a small sense of security that a no-credit card provides.
    Mar 10, 2015
    By:
    Fine a credit card to Bill up my credit and get a card
    Feb 14, 2015
    By:
    When I was trying to improve my credit score after struggling with bad debt for some time, I chose to go with the Capital One Secured Mastercard. While I didn’t like knowing that there were fees tied up with this card, they were very minimal, and I could have a low minimum deposit on the card. Additionally, I liked that I went with capital one which is a big brand in the credit card industry.
    Oct 22, 2014
    By:
    I used the Capital One Secured Mastercard when I was younger because I had no credit history. It really helped build my credit. I just made sure I paid my bill in full every month. The one thing I don’t like is the annual fee. I wish it were free like some other credit cards.
    Oct 12, 2014
    By:
    I got my first credit card when I was 20 years old. I never had a credit card before and didn't even know I was applying for one till after I had the card. My dad helped me to establish credit when I was in college which was the reason I was accepted for the card. I had no idea how a credit card worked so I abused it pretty badly. I now have a secure credit card to help me build my credit. The fee was 25 dollars a year for the card but is completely worth it. Customer service is amazing and help you through everything. I don't get rewards but it doesn't bother me. Building credit is the most important part of it all.
    Oct 4, 2014
    By:
    I got my first credit card from Wells Fargo when I was in college. My credit limit was only $500 and I don’t remember the APY but I was rather high. If I could change anything I would increase the credit limit and decrease the APY.
    Aug 26, 2014
    By:
    I currently have only limited credit, so I had to get a special Visa card for people in my situation. It has a lot of restrictions on it, but I understand why. My experience with it has been good so far. I make sure I pay everything on time when I do use the card, and I make sure to keep my spending within my budget. The restrictions placed on this card goes a long way in doing that, so I'm grateful for that. I would get rid of the $40 monthly fee if I had to name one change I wanted to make. The card's low interest rate is great, however.
    Jun 23, 2014
    By:
    I had no credit history and was forced to resort to a secured card when I was younger. I had tried to apply for store cards beforehand due to their lower standards. Do not make the same mistake I did! All of those credit checks really hurt me when I should have just gone for the guaranteed option.
    Apr 15, 2014
    By:
    I got my first credit card from Capital One. I had applied to many different companies but was always denied because I didn't have any credit history. I am a college student so I wanted to avoid paying any kind of annual fee. I looked into a secured credit card but I didn't have the money for one of those either. I felt pretty stuck because my denied applications weren't helping my case. Capital One offers a student credit card which I luckily was accepted for! My credit limit is very low but it gets the job done, that being establishing my credit score. My interest rate is very high and my rewards are very low, however I am happy with the card and thankful that I finally got accepted. Getting a credit card with no credit is not an easy feat.
    Mar 15, 2014
    By:
    I have a credit card that didn't require any credit history. I lived overseas at the time and it was a card with a low limit and only one small yearly fee, specifically intended as somebody's first credit card, allowing people to build their credit rating. It's been very useful to me and over the years it's allowed me to apply for higher limits and so on. The Capital One Secured Mastercard seems to fit a similar description, with no fees except for a yearly $29 fee.
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