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 37 Cardholder Reviews

 
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or call888-909-5733

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Regular Purchase APR

22.9% (V)

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Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 22.9% (V)
Annual Fee: $29
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Limited/Bad

Highlights

  • Unlike a prepaid card, it builds credit when used responsibly
  • 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—no additional deposit required
  • It’s a credit card—accepted at millions of locations worldwide 
  • Easily manage your account 24/7 with online access,  by phone or using our mobile app
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Your Rating:

3.1/5.0 from 127 Cardholder Reviews

 
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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 FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • 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:

3.2/5.0 from 56 Cardholder Reviews

 
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Regular Purchase APR

11.99% (Variable)

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 11.99% (Variable)
Annual Fee: $44
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • 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:

3.0/5.0 from 6 Cardholder Reviews

 
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Apply Securely

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: None
Credit Needed:
 
No Credit

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

Get Your Free Score!
No/Limited

Highlights

  • Get Your Premium Benefits:
  • Exclusive Rewards Program
  • Free Credit ScoreTracker1
  • Easy Mobile Account Access and Text Alerts
  • Easy Online Bill Payment & Check Writing
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • No Credit Check, No Overdraft Fees or Balance Minimums
  • Reloadable up to $10,000 Max Balance
  • Deposit is fully FDIC insured
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Your Rating:

2.7/5.0 from 12 Cardholder Reviews

 
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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: N/A*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Free credit scores & credit monitoring
  • Real-time transactions & notifications
  • Always free-No credit cards needed to open an account
  • Receive your Car Insurance score and Vantage score for free
  • Receive specialized recommendations based on your credit profile
  • 5 financial tools, free to use
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Your Rating:

3.2/5.0 from 13 Cardholder Reviews

 
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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: N/A*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Check daily for better loans and credit options so you never miss an opportunity to save
  • Helps you understand, manage and improve your credit and debt
  • Provides you with your free credit score and no credit card is required
  • Free monitoring of your credit score and credit worthiness each month
  • Delivers unbiased advice that best suits your financial situation and saves you money
  • Get an analysis of your existing credit and loans
  • Pre-qualify for new mortgages, loans and credit cards
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Your Rating:

4.0/5.0 from 5 Cardholder Reviews

 
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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: None
Credit Needed:
 
No Credit

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

Get Your Free Score!
No/Limited

Highlights

  • 100% Approval Guaranteed (subject to I.D. Verification)
  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free† Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage
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Your Rating:

3.2/5.0 from 19 Cardholder Reviews

 
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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: None
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Get paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday. 
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • $10,000 balance limit. Your alternative to a traditional bank account. Deposits are FDIC insured.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service. 
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Your Rating:

2.6/5.0 from 5 Cardholder Reviews

 
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Apply Securely

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: None
Credit Needed:
 
No Credit

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

Get Your Free Score!
No/Limited

Highlights

  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted
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Your Rating:

3.6/5.0 from 9 Cardholder Reviews

 
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Apply Securely

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 FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Enroll in direct deposit today - receive your account number immediately.
  • 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.
  • Transfer money to another ACE Elite cardholder with no fee.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
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Your Rating:

2.9/5.0 from 15 Cardholder Reviews

 
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Regular Purchase APR

19.99%*

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: 19.99%*
Annual Fee: $29
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • 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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  • star rating 1
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  • star rating 5
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Your Rating:

2.7/5.0 from 11 Cardholder Reviews

 
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Apply Securely

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:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Build Your Credit with our monthly reporting to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200 
  • Apply in less than 5 minutes, No credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month. 
  • Extra Credit When You Need It, increase your credit line up to $5000 (subject to approval)
  • Easy funding options, with 4 ways to fund and No checking account needed
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  • star rating 5
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Your Rating:

3.3/5.0 from 12 Cardholder Reviews

 
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Apply Securely

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:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • 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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  • star rating 1
  • star rating 2
  • star rating 3
  • star rating 4
  • star rating 5
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Thanks for rating!

Your Rating:

3.6/5.0 from 8 Cardholder Reviews

 
Apply Now

Apply Securely

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 FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Get Paid up to 2 days faster with direct deposit - payroll and government benefits
  • 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.
 
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Your Rating:

0.0/5.0 from 0 Cardholder Review

 
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Apply Securely

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 FICO score.

Get Your Free Score!
No/Limited

Highlights

  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • 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.
  • Enroll in direct deposit today - receive your account number immediately.
  • 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 
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Updated on

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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