- Click APPLY NOW to apply online.
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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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
See offers from our partners below.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNon-rewards Card
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Credit Needed
Bottom Line
If you have fair credit then this card gives you a way to enjoy the perks and features of a Mastercard, despite your less than stellar credit. The interest rate is pretty high, but there is no annual fee, and you have access to some helpful account management tools.
Our Take
The Good
The good thing about this particular card is that it allows someone to have a genuine Mastercard when they do not really have great credit. It's a great first-time credit card.
The Not So Good
The interest rate is high and if you carry a balance that can get really expensive, really fast. You should pay your balance in full each month with this card because of the 28.99% (Variable) APR.
Highlights
See Additional Details for Capital One Platinum Credit Card
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Annual Fee$0
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Welcome OfferN/A
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Rewards Rate1.5% - 5% Cash Back
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Credit Needed
Bottom Line
The Capital One Quicksilver Secured Cash Rewards Credit Card takes our top spot in the secured card category because of its top-shelf unlimited rewards program and limited fees. Don’t miss this one if you’re in the market for a secured card.
Our Take
The Good
The Capital One Quicksilver Secured Cash Rewards Credit Card’s outstanding rewards program marks it out as head-and-shoulders above the competition – and that’s without considering it’s generous security deposit refund program.
The Not So Good
This card comes with all the regular downsides of a secured card, so unless you have low or no credit, a different card may be a better choice.
Highlights
- Click APPLY NOW to apply online.
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See Additional Details for Capital One Quicksilver Secured Cash Rewards Credit Card
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNon-rewards Card
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Credit Needed
Bottom Line
This card now comes with no annual fee, making it one of the few secured cards without it. Capital One Platinum Secured Credit Card is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
Our Take
The Good
With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.
The Not So Good
The APR is 28.99% (Variable). You also have to put forth a security deposit in order to get this card.
Highlights
- Click APPLY NOW to apply online.
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See Additional Details for Capital One Platinum Secured Credit Card
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Annual Fee$75 - $125
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Welcome OfferN/A
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Rewards RateNon-rewards card
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Credit Needed
Bottom Line
If you're a consumer with a low credit score, it might be worth seeing if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
Our Take
The Good
This card helps you build credit by reporting your timely payments to the three major credit bureaus. It also gives you $0 liability for fraudulent charges, which is a nice added feature.
The Not So Good
Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees — the card charges an annual fee between $75 - $125, as well as a maintenance fee up to per month. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.
Highlights
- Click APPLY NOW to apply online.
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
See Additional Details for Reflex® Platinum Mastercard®
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Annual Fee$49
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Welcome OfferN/A
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1% - 10% cash back
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Credit Needed
Bottom Line
The First Progress Prestige Secured Mastercard® can help those who do not have sufficient credit to get a standard credit card. Though the card does require you to put in a security deposit (acting as the "limit" on the card), the payments you make toward it are reported to the credit bureau.
Our Take
The Good
The main benefit of this credit card is that it gives you a chance to build your credit just by spending your own money. Rather than paying cash for the things you need, you can pay with your card and then pay back the balance.
The Not So Good
You have to pay an annual fee of $49 for this card, on top of putting down a security deposit to act as your available balance.
Highlights
- Click APPLY NOW to apply online.
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- A $200 refundable deposit is your first step toward better credit!
- Apply with no impact to your credit!2
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
See Additional Details for First Progress Prestige Secured Mastercard®
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Annual Fee$36 for first year. Billed $3 per month thereafter
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Welcome OfferN/A
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Rewards RateNon-rewards card
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Credit Needed
Bottom Line
This card is designed for people who want to build or rebuild their credit. When used responsibly, this secured card could be a valuable tool to improve your credit and allow you to then get a better card. Monitor progress in your FICO® Score each month for free.
Our Take
The Good
As long as you don’t have a pending bankruptcy or outstanding tax obligations you may be approved for this card.
The Not So Good
Other cards may review your account earlier than one year to see if you can transition to an unsecured credit line.
Highlights
- Click APPLY NOW to apply online.
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
See Additional Details for Merrick Bank Secured Credit Card
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Annual Fee$39
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Welcome OfferN/A
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1% - 10% Cash Back
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Credit Needed
Bottom Line
The First Progress Select Secured Mastercard® is an average secured card that can be used anywhere Mastercard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.
Our Take
The Good
Card holders will enjoy a 25 day grace period before having to pay interest on purchases.
The Not So Good
This card is somewhat limited in scope, but if your goal is to boost your credit we think it can be valuable.
Highlights
- Click APPLY NOW to apply online.
- Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
- Apply with no impact to your credit!2
- The first step to rebuilding your credit starts with just $200!¹
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
See Additional Details for First Progress Select Secured Mastercard®
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Annual Fee$59
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Welcome OfferN/A
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Rewards RateNon-rewards card
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Credit Needed
Bottom Line
This card is a solid choice for consumers who don't want to put down $200 or more as a security deposit on a secured credit card.
Our Take
The Good
The annual fee is fairly low compared to other cards. Plus you'll pay no foreign transaction fees.
The Not So Good
The APR is quite high, so if you don't pay off your balance in full each month you could rack up steep interest charges.
Highlights
- Click APPLY NOW to apply online.
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
See Additional Details for AvantCard Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
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.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
