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Credit Cards for No Credit

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Credit Cards for No Credit – Credit Cards for People with No Credit
  • Compare no credit, credit cards from our partners for those with limited or no credit history
  • Independent ratings and reviews of credit cards for people with no credit
  • Secure and immediate online application process
 

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Your Rating:

3.3/5.0 from 343 Cardholder Reviews

 
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Build Credit When Used Responsibly

Free Credit Bureau Reporting

Minimum Deposit

$49, $99, or $200

Regular Purchase APR

24.9% (Variable)

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Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 24.9% (Variable)
Annual Fee: $0
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

Get Your Free Score!
Limited/Bad
Highlights
  • Click "APPLY NOW" to apply online or call 888-909-5733
  • 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—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
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Your Rating:

2.9/5.0 from 122 Cardholder Reviews

 
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Monthly Credit Reporting

Reports to all Three Major Credit Bureaus

Same Day Response

Response Provided in Seconds

Regular Purchase APR

29.99%

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Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 29.99%
Annual Fee: $75 for first year, then $48 annually
Credit Needed:
 
Fair Credit

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

Get Your Free Score!
Average/Fair
Highlights
  • Click "APPLY NOW" to apply online
  • Fast and easy application process
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
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Your Rating:

3.2/5.0 from 1,039 Cardholder Reviews

 
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Customize Your card

Choose a design from our premium gallery

Gas Rewards

1% on Gas Purchases

Regular Purchase APR

17.9% - 23.9% (Variable)*

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Intro Purchase APR N/A*
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 17.9% - 23.9% (Variable)*
Annual Fee: $35-99
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

Get Your Free Score!
Bad
Highlights
  • Click "APPLY NOW" to apply online
  • Unlimited 1% cash back gas rewards 
  • Get Pre-Qualified for a Platinum Visa credit card
  • Automatic reviews for credit line increase opportunities
  • Zero fraud liability protects you from unauthorized charges
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Your Rating:

3.0/5.0 from 6 Cardholder Reviews

 
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Customize Your card

Choose a design from our premium gallery

MasterCard Gold Benefits

Accepted Worldwide and $0 Fraud Liability

Regular Purchase APR

23.9% variable

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Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 23.9% variable*
Annual Fee: $35-$99, depending on creditworthiness*
Credit Needed:
 
Fair Credit

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

Get Your Free Score!
Average/Fair/Bad
Highlights
  • Click "APPLY NOW" to apply online
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
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Your Rating:

3.1/5.0 from 266 Cardholder Reviews

 
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Improve Your Credit Score

Free Credit Bureau Reporting

Credit Line

$300 - $2,000 Credit Line

Regular Purchase APR

11.99% (Variable)

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Intro Purchase APR No intro APR
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 11.99% (Variable)
Annual Fee: $44
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
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Your Rating:

3.2/5.0 from 142 Cardholder Reviews

 
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Sign Up Offer

Improve Your Credit Score

Free Credit Bureau Reporting

Credit Line

$300 - $2,000 Credit Line

Regular Purchase APR

19.99%*

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Intro Purchase APR No intro APR
Intro Balance Transfer: N/A*
Ongoing Information
Regular Purchase APR: 19.99%*
Annual Fee: $29
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.2/5.0 from 97 Cardholder Reviews

 
About our ratings Show Card Details
Apply Now

Apply Securely

Sign Up Offer

Improve Your Credit Score

Free Credit Bureau Reporting

Credit Line

$300 - $2,000 Credit Line

Regular Purchase APR

17.5%

Sign Up Offer
Intro Purchase APR No intro APR
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 17.5%
Annual Fee: $29
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • Build Your Credit fast  with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line  as low as $200 up to $3000,  secured by a fully-refundable* security deposit. 
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes. 
  • Extra credit when you need it,  increase your credit line up to $5000 in your first year*  
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
More Card Details

 

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Thanks for rating!

Your Rating:

3.2/5.0 from 111 Cardholder Reviews

 
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Sign Up Offer

Improve Your Credit Score

Free Credit Bureau Reporting

Credit Line

$300 - $2,000 Credit Line

Regular Purchase APR

14.99%*

Sign Up Offer
Intro Purchase APR No intro APR
Intro Balance Transfer: N/A*
Ongoing Information
Regular Purchase APR: 14.99%*
Annual Fee: $39
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 121 Cardholder Reviews

 
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Sign Up Offer

Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier

Prescription Discounts

Get up to 55% Off Prescriptions

Regular Purchase APR

N/A

Sign Up Offer
Intro Purchase APR No intro APR
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: N/A
Annual Fee: See Terms*
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

Get Your Free Score!
Bad
Highlights
  • Click "APPLY NOW" to apply online
  • Get Your paycheck and tax refund faster with direct deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
More Card Details

 

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Your Rating:

2.5/5.0 from 8 Cardholder Reviews

 
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Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier

Instant Approval

Get Your Account Info Instantly

Regular Purchase APR

N/A

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: N/A
Annual Fee: See Terms*
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • Get your tax refund faster when you e-file and use direct deposit.
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.* 
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credit when you use them.*
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
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Your Rating:

3.0/5.0 from 43 Cardholder Reviews

 
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Comes With a CD Account

Earn Interest on Your Deposit

Credit Line

$250 - $5,000 Credit Line

Regular Purchase APR

9.90%

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 9.90%
Annual Fee: $35
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.3/5.0 from 30 Cardholder Reviews

 
About our ratings Show Card Details
Apply Now

Apply Securely

Sign Up Offer

Comes With a CD Account

Earn Interest on Your Deposit

Credit Line

$250 - $5,000 Credit Line

Regular Purchase APR

9.90%

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 9.90%
Annual Fee: $35
Credit Needed:
 
No Credit

Credit cards for no credit are intended for those without an established credit score.

Get Your Free Score!
No/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
More Card Details

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my grandson got my credit score and such ,in a realy bad shppe,he said he awnted to get me a car but instead he was using me for applications fr a car and I thought he wanted it for nsurance.and now im paying for it. but ineed a small loan im buying a car from an lady in my but she post the key and the tital .that's why I need a little help,so if you can help.

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Credit Cards for People with No Credit

Even if you are good at managing money and always pay your bills on time you may have limited or no credit history. That can be a problem, though, because credit card companies and banks want to see a track record in order to predict whether or not you’ll be a good customer and won’t abuse your card or procrastinate when it is time to make a minimum payment.

Having a limited credit history can be a frustrating situation because you have limited options available to you in order to demonstrate your credit worthiness. You are stuck in a classic “Catch-22” situation. The good news is that there are credit card companies that will issue credit cards for no credit history individuals. These no credit credit cards are reviewed and summarized in this section so that you can browse through them and find one you like.

Once you get approved you can start building a credit history by making sure that the card you have chosen reports your payment history to the “big three” credit reporting agencies on a regular basis. By using the card responsibly you’ll soon establish a verifiable track record and your credit rating will go up along with your credit score. Then you’ll no longer have to rely solely upon “no credit history” credit cards and can “upgrade” to a credit card product with lower interest rates and which offer reward programs.

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