Limited or No History Credit Cards
- Easily compare credit cards for those individuals with a limited or no credit history
- Independent ratings and reviews
- Secure and immediate online application process
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Get the credit you need with no processing fees or application fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
- Your refundable security deposit can get you a line up to $3000
- You may qualify for credit line increases with no further security deposit required
- Use it like any MasterCard credit card, accepted at millions of locations worldwide
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 22.9% (V)* | $29.00* | Limited/Bad, Bad |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
- Intro APR N/A*
- Intro BT APR 0.00%*
Highlights:
- New - Free Roadside Assistance
- New - Free Savings Account with 5.65% APY
- 1% Cash Back on Gas Purchases
- Free Direct Deposit so you can get paid faster
- Free Bill Pay online or over the phone
- Free Transactions and Customer Service
- No Overdraft Fees, No Interest Fees, and No Hidden Fees
- No Credit Check - 100% Approval
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- The power of a bank account in a Visa Prepaid card
- Save up to $220 compared with other cards, the first year alone
- 100% approval with no credit check and no activation fee
- $0.99 monthly fee if $500 is loaded each month. (Only $2.99 otherwise).
- Free Direct Deposit from employers or deposit cash at 50,000 retailers
- Write personal checks online: easy to pay rent or other bills
- Earn 1,500 cash back reward points for you first direct deposit load
- Optional companion card available, as if you had a joint checking
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0.00* | N/A* | None | No Credit |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
- Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
- Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
- No credit check, No application fee, No obligation*
- Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | N/A* | None | No Credit |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Get Your Premium Benefits:
- Exclusive Rewards Program
- Free Credit Score
- Free Mobile Banking and Text Alerts
- Free Online Bill Payment & Check Writing
- Free Direct Deposit %u2014 paycheck, benefits, tax refunds
- No Credit Check*, No Overdraft Fees or Balance Minimums
- Reloadable up to $10,000 Max Balance
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- Knowledgeable customer service representatives to assist you with questions or concerns
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- $0 Activation Online - with no credit check
- Access over 18,000 MoneyPass® ATM's
- Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
- No Monthly fee for any month with at least 30 purchases
- No Transaction fees on US purchases
- No Overdraft fees
- No Minimum balance required
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Accepted everywhere VISA is accepted
- No Credit Check, Income requirements, or bank account required
- Free Online Access to Account
- Free Mobile Alerts - Text to your mobile and email
- Free Bill Pay Service - Pay Anyone Online or Over the Phone
- Free Rewards Program - Earn 1 point for every $1 spent
- No Bounced Check, NSF, or Overdraft Charges Ever
- Free Direct Deposit - Eliminate check cashing fees
- Intro APR N/A*
- Intro BT APR 0.00%*
Highlights:
- 100% Guaranteed Approval* - No Credit Check
- No Activation Fee
- Free Direct Deposit and $25 bonus§
- Free Online Bill Payment
- Earn Purchase Rewards and Refer-a-Friend Cash Bonus
- Perfect for Tax Refund direct deposit
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- 100% Approval - No credit check needed (ID verification required).
- Get your paycheck, government benefits and tax refund faster with free direct deposit
- New - Get rewarded with NetSpend Payback RewardTM options.
- Real-time account activity alerts to your mobile phone.
- Funds are FDIC insured up to the current coverage limit (ID verification required).
- Intro APR N/A*
- Intro BT APR 0.00%*
Highlights:
- $0 Monthly Fee
- 100% Guaranteed Approval* - No Credit Check
- No Minimum Balance
- Free Direct Deposit and Online Bill Payment
- Now with Purchase Rewards
- Perfect for Tax Refund direct deposit
- Intro APR N/A*
- Intro BT APR 0.00%*
Highlights:
- 100% Approval - No credit check needed (ID verification required).
- Get your paycheck, government benefits and tax refund faster with free direct deposit
- New - Get rewarded with NetSpend Payback RewardTM options.
- Real-time account activity alerts to your mobile phone.
- Funds are FDIC insured up to the current coverage limit (ID verification required).
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
- Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
- Free Direct Deposit, Online bill pay, Earn rewards.
- No credit check, 100% approved*
- No bounced check fees or overdraft fees - ever!
- Travel, rent cars, reserve hotels, shop online safely.
- Unbelievable customer service.
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Instant Account Number
- Free Credit Score
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Unlimited Purchase Transactions.
- Free Online Bill Payment & Check Writing
- No Overdraft Fees or Balance Minimums
- 100% Guaranteed Approval* - No Credit Checks
- Choose Your Card Color - Blue or Pink
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- $0 Activation Online - with no credit check
- Access over 18,000 MoneyPass® ATMs
- Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
- No Monthly fee for any month with at least 30 purchases
- No Transaction fees on US purchases
- No Overdraft fees
- No Minimum balance required
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0.00* | N/A* | None | No Credit |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- 100% Guaranteed Approval* - No Credit Check
- $0 Activation Fee
- $25 bonus with Free direct deposit§
- Free Online Bill Payment
- Up to $10,000 balance limit
- Instant Account Number - Perfect for getting your Tax Refund faster with direct deposit
- 1
Credit Cards for Limited / No Credit History
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 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.
