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Credit Cards for People with No Credit

If you are new to the credit game, you can find both secured and unsecured credit cards for people with no credit on this page (some offers are from CardHub’s partners). Pick the offer with the lowest fee structure, as doing so will enable you to build your credit history in the most cost-effective way.

Establishing credit 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,…show more

    3.5 2,556 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
    • 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
    • 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 1,840 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
    • See More Details & Reviews About The Capital One® Platinum Credit Card
    4 4,981 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
    • 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®
    3 571 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 2,304 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 1,514 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
    3.5 848 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
    3 601 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
    3.5 261 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
    3.5 136 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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    Fair Credit 620 – 660
    Bad Credit 300 – 619
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    Ask our Experts

    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.

     
    Feb 2, 2016
    By:
    I have no credit, and can't afford to put down a deposit. Can I still get a limited credit card?
    Feb 10, 2016
    Photo of Card H.
    Yes, you should be able to get an unsecured credit card if you have no credit. That won’t be the case if you have bad credit, though, at least not as far as an attractive offer is concerned.

    A couple of cards that would be good to try are the Capital One Platinum Card ( http://www.cardhub.com/d/capital-one-platinum-83c/ ) and the Capital One QuicksilverOne Card ( http://www.cardhub.com/d/quicksilverone-rewards-75c/ ). Both are designed for people with limited credit, and the former doesn’t charge an annual fee. The latter has a $39 annual fee, but gives you 1.5% cash back on all purchases. You can also find more options here: http://www.cardhub.com/credit-cards/starter/ . Hope this helps!
    Jan 17, 2016
    By:
    I have a low income job babysitter to pay for diapers and food for my daughter. I have no credit and am not in school and can't afford to put $200 for a secured credit card. Is there any card for just like $30-40 annual fee and no deposit?
    Jan 28, 2016
    Photo of Card H.
    The Capital One Platinum Card ( http://www.cardhub.com/d/capital-one-platinum-83c/ ) and the Capital One QuicksilverOne Card ( http://www.cardhub.com/d/quicksilverone-rewards-75c/ ) are both good options, as they are available to people with limited credit. Platinum doesn’t charge an annual fee, and QuicksilverOne charges $39 per year but also gives you 1.5% cash back. More options can be found here: http://www.cardhub.com/credit-cards/no-credit/ . Best of luck!
    Jan 16, 2016
    By:
    I am a 2nd. semester college student. I have no credit history. I want an unsecured credit card. What are my best options?
    Jan 27, 2016
    Photo of Card H.
    You actually have many more options than you might think. Credit card companies offer college students better terms than their credit history would ordinary merit in recognition of their above-average earning potential and years of financial needs to come. That said, two of our favorite offers are the Journey Student Rewards Card from Capital One and the BankAmericard Cash Rewards for Student Card. Both offer attractive cash rewards, and neither charges an annual fee.

    You find find those offers and the rest of our editors’ picks for the best college student credit cards here: http://www.cardhub.com/best-credit-cards-for-college-students/ . Hope this helps. Best of luck!
    Nov 12, 2015
    By:
    Being a young person who travels abroad a lot during the year, it was important for me to have an emergency credit card just in case of any emergency that could occur away from home. The only problem was, I had absolutely no credit history to bounce back on. I was really worried that I would not qualify for any kind of credit card, but one of the agents at my local Bank of America informed me about the Bank Americard Travel Rewards credit card program. This program actually allowed me to build up my credit report history from scratch, and gave me rewards while I travel out of the country. I am absolutely thrilled with this program, and I am still an active user of this rewards program.
    Nov 7, 2015
    By:
    I have no money and no credit. I need help figuring out which card should I get. Can you help ?
    Nov 18, 2015
    Photo of Card H.
    Of course! If you’re not a student, the best thing you can do is save at least $200 and place a refundable security deposit on a secured credit card. This won’t help you buy anything that you can’t afford in cash, but it will enable you to begin the credit-building process as soon as possible, avoid overspending and save money on fees. A couple of good options to consider are the Capital One Secured MasterCard (http://www.cardhub.com/d/capital-one-secured-credit-card-383c/) and the Harley-Davidson Secured Card ( http://www.cardhub.com/d/harley-davidson-secured-credit-card-444c/ ). Neither charges an annual fee, and the Capital One offer has the potential to be “partially secured,” providing a credit line as as $3,000 for a deposit as low as $49.

    If you want to first try applying for an unsecured card, the Capital One Platinum Card (http://www.cardhub.com/d/capital-one-platinum-83c/) would be a good choice, as it requires only limited credit for approval and does not charge an annual fee. And if you have an active college or university email address, you’ll want to browse the offers on this page (http://www.cardhub.com/best-credit-cards-for-college-students/).

    We hope that helps! If you’re interested in more personalized recommendations, try our new CardAdvisor tool! You can find it here: http://www.cardhub.com/cardadvisor/ .
    Nov 8, 2015
    Photo of Mantrail E.
    We in the same boat, can't help you but I will pray 4 you sweetheart
    Sep 15, 2015
    By:
    Being a young college student, I had next to no credit and needed a way to build it before going out into the world. I chose to apply for a Capital One Secure MasterCard as I saw that it had not fees and a low minimum deposit. I was accepted right away and got my card! It made me feel so responsible and ready to build my credit. With my credit going up due to responsible usage, I will be more able to buy and rent the things I want.

    I really recommend this card, It won't take you long to receive. As long as you treat it well, It'll treat you well!
    Sep 15, 2015
    By:
    I've been using the Capital One Secured Mastercard for a while now. I wanted to work on building my credit with a card that offered a low opening line of credit. I really didn't want the urge to spend too much. That said, I've been able to constantly put a small bill on it each month and pay it off, slowly building up my credit history.

    I think for people who are looking to steadily build their credit and are interested in a no hassle, low interest card- this is a great choice. If you're only using it in times of emergency or for the sole use of improving your credit, you really can't go wrong.
    Aug 3, 2015
    By:
    Can a person use their wife's credit history to apply for a credit card?
    Aug 10, 2015
    Photo of Card H.
    You can submit a joint application or list shared income on your own application. Those would be the only ways to benefit.
    Jul 6, 2015
    By:
    I was fresh out of college with terrible credit and looking to pick things up a little bit so I could start the grownup phase of my life and make some bigger purchases. I was only able to get one card and that was a BankAmericard. I had a pretty low credit limit of only $600 dollars but I thought I could use it wisely and as a stepping stone to getting something with more benefits and a limit increase. I liked the card because it didn't require a deposit and acted pretty much like any other credit card. I know a lot of cards for people without credit will make you put some money towards it but likely it wasnt the case with this card.
    Jun 24, 2015
    By:
    When my amount of credit was very low to none, I looked into several credit cards. Capital One sent me a pre-approval like almost every month so I looked into them a little more. At the time, I was trying to improve my credit when I went a had and applied for the card. I was approved and it was one of the best cards for my situation. Although I had to pay some fees to use this card, they were minimal compared to many other cards. I like that they allow you to progress to better cards that they offer. I highly recommend Capital One secured credit. It's perfect for someone with no credit or someone who is rebuilding.
    Jun 24, 2015
    By:
    I had no credit what so ever before I started looking for a credit card and found that it was incredibly hard to find one that I could get. I have the Rewards Classic Starter card though my Credit Union, Suncoast Credit Union. I was only able to get this card because I had an account there for years before I applied for it. Not one aspect of the card really attracted me to it, at this point I was willing to accept any card that I could get that wasn't a secured card because I didn't have the money to put the deposit down for one.
    Jun 14, 2015
    By:
    I have a Wells Fargo Platinum Visa credit card which didn't require any previous credit. I got it as my first card during college and it is still my primary card I use for purchases. There are no annual fees and interest rates are not high at all, which isn't really an issue because I usually pay off my bill in full every month. You also have the ability to sign up for a rewards account with the card to earn more cash back on everything you purchase as well as discounts towards promotions and offers that show up throughout the year. I am very happy with this card and will continue using it.
    May 1, 2015
    By:
    For people with no credit, it is very important to get a credit card and start building up a good credit history. Of the cards listed above, the Capital One Secured MasterCard looks like a great place to start. Since it is secured, it will require an initial deposit but will ensure you will always be able to pay off your account every statement. The card itself does not have the best benefits but one your credit has improved, you can apply for a regular card with great rewards and benefits like the Chase Freedom I currently use.
    Apr 25, 2015
    By:
    Merrick Bank was a company that had one of the better options for people who are rebuilding credit. There was an annual fee and a rather high APR, BUT it was a much easier company to deal with than First Premier and you earned regular and reasonable credit limit increases, without FP's scam of PAYING 1/4 of the amount of the increase in order to receive it. Merrick was just a reasonably easy card that helped me to rebuild my credit. I had it for five years, and their reporting practices to all 3 bureaus helped me to raise my score enough to get prime cards from Citi, Chase and Discover! I closed the Merrick card after I got the prime cards, but I was grateful for that card.
    I would highly recommend Merrick over First premier. OR a secured option at Capital One, or maybe your local bank. I don't remember the cost of the Merrick application fee, but I think there was one---and you really shouldn't have to pay to apply for a card! If I'd known about secured cards, I probably would have tried that instead of Merrick!
    Apr 15, 2015
    By:
    I had a Capital One Secured Mastercard when my credit was very low. When I wanted to improve my credit very badly and this was the best card I qualified for. Although I had to pay some fees to use this card, they were minimal compared to many other cards. Having this card also allowed me to move on to be better Capital One cards as my credit improved. I would totally recommend this card.
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