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No Credit Credit Cards

Credit Cards for No Credit

Whether you are new to credit and have no credit history at all or it has been less than three years since you opened your first credit card or loan, getting one of the credit cards listed on this page is one of the best ways to build up your credit and ensure that you will be able to qualify for some of the best credit card and loan terms down the road. While many people assume otherwise, credit cards for no credit and credit cards for limited credit history are actually the same products. The differentiation between someone with no credit history and someone with a limited history is that the latter will most likely get approved for a higher credit line and a lower APR (if a range is advertised). Nevertheless, you should compare all of the options listed below (some of which originate from CardHub advertising partners) before you apply for a credit card with no credit history. And remember, you don’t actually need to use your credit card for no credit in order for your credit score to benefit, so if you cannot manage to pay your bills on time every single month and avoid using all of your available credit, just lock your card in a drawer. Your credit score will thank you.

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    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    4

    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of $49, $99, or $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)
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    3

    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 14.99% (V)
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    3.5

    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 None
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    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 None
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    3.5

    First Progress Platinum Elite MasterCard® Secured Credit Card

    Platinum Secured Credit Card from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 19.99% (V)
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    3

    First Progress Platinum Prestige MasterCard® Secured Credit Card

    MasterCard Secured Card from FirstProgress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $44
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 11.99% (V)
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    Ask our Experts
    EXPERT’S ANSWERS

    How to get a credit card with no credit:

    By: Odysseas Papadimitriou If 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 Your 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 There 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 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 Credit 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

    Help others find the best credit cards for no credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    August 26, 2014
    Photo of Joseph A.
    By: Joseph Alston
    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.
    June 23, 2014
    Photo of Joseph B.
    By: Joseph Broski
    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.
    April 15, 2014
    Photo of Tonya M.
    By: Tonya Millson
    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.
    March 15, 2014
    Photo of William B.
    By: William Boffa
    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.
    December 3, 2013
    Photo of Lisa P.
    By: Lisa Painter
    convenience and rewards.