Credit Cards for 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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Regular Purchase APR

17.9% - 23.9% (V)

Sign Up Offer

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

Ongoing Information

Regular Purchase APR: 17.9% - 23.9% (V)
Annual Fee: $35-$75
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

  • 1% back on all gas purchases
  • No limit to the gas rewards you can earn
  • Rewards post to your account automatically each month
  • Get pre-qualified without affecting your credit score
  • Make your first six payments on time and get a credit line increase
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
 
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Regular Purchase APR

22.9% (V)

Sign Up Offer

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

  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
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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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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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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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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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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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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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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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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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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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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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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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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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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: No Annual Fee-pay $5.95 per month*
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 activation online - with no credit check
  • No minimum balance
  • Free Online Bill Pay
  • Free Direct Deposit
  • No overdraft fees
  • Access to over 22,000 MoneyPass® ATMs *Withdrawals outside the MoneyPass® ATM network will be charged $2.50 plus any ATM owner fees
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Regular Purchase APR

19.99%*

Rewards Rate

Earn 1% on eligible purchases*

Intro Purchase APR

1.99% on balance transfers and deposits for first 10 months

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: 1.99% for 10 Months

Ongoing Information

Regular Purchase APR: 19.99%*
Annual Fee: None
Rewards Rate: Earn 1% on eligible purchases*
Credit Needed:
 
No Credit

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

Get Your Free Score!
*See Terms

Highlights

  • No annual fee
  • Earn up to 1% in CAA-Quebec Dollars on your other eligible purchases
  • 1.99% annual interest rate (AIR) on balance transfers* and deposits* for the first 10 full months
  • Unparalleled 24-hour customer service
  • Online access to your credit card account
  • International acceptance at millions of locations
  • Enhanced security and protection with Chip & Pin technology and PayPass
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Regular Purchase APR

19.80% (V)

Bonus Rewards

25% cash back bonus each month*

Bonus Cash

1% cash back on all purchases

Sign Up Offer

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

Ongoing Information

Regular Purchase APR: 19.80% (V)
Annual Fee: None
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair/Limited

Highlights

  • Earn 1% cash back on every purchase, every month-and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus-that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use - and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you
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or call888-909-5733

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Regular Purchase APR

24.9% (V)

Sign Up Offer

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

Ongoing Information

Regular Purchase APR: 24.9% (V)
Annual Fee: $0 intro for first year; $19 after that
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair/Limited

Highlights

  • 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want - by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
 
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Credit Cards to Build 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 to individuals with no credit history. 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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