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.
How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.99% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Discover
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.99% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Discover
Highlights
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click through to Discover’s website to see terms and conditions.
See additional details for Discover it® Secured Credit Card
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee See Terms
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee See Terms
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- See if you’re Pre-Qualified with no impact to your credit score
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
See additional details for Reflex® Platinum Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 29.99%
- Annual Fee $59
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 29.99%
- Annual Fee $59
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- 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
- Checking your eligibility does not affect your credit score
See additional details for AvantCard Credit Card
- Rewards Rate Earn 2% to 10% cash back at select merchants
- Build Credit Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
- Credit Limit $300 - $5,000 credit limits
- Annual Fee $0
- Credit Needed N/A
- Card Brand Visa®
- Rewards Rate Earn 2% to 10% cash back at select merchants
- Build Credit Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
- Credit Limit $300 - $5,000 credit limits
- Annual Fee $0
- Credit Needed N/A
- Card Brand Visa®
Highlights
- $0 Annual Fee
- Variable APRs range from 24.99% - 34.49%
- $300 - $5,000 credit limits
- Earn a credit limit increase in as little as 6 months.
- Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank
See additional details for Petal® 1 No Annual Fee Visa® Credit Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 24.99% (V)
- Annual Fee $29
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 24.99% (V)
- Annual Fee $29
- Credit Needed Poor/Limited
- Card Brand Mastercard®
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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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 $200 -- $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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
See additional details for First Progress Platinum Elite Mastercard® Secured Credit Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line
- Regular Purchase APR 18.99% (V)
- Annual Fee $39
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line
- Regular Purchase APR 18.99% (V)
- Annual Fee $39
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 14.99% (V)
- Annual Fee $49
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Improve Your Credit Score Free Credit Bureau Reporting
- Credit Line $200 - $2,000 Credit Line*
- Regular Purchase APR 14.99% (V)
- Annual Fee $49
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- Earn 1% Cash Back Rewards on payments!
- No minimum credit history or credit score required.
- Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus.
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card
- Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
- Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Annual Fee $75.00 for first year. After that, $48.00 annually
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
- Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
- Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Annual Fee $75.00 for first year. After that, $48.00 annually
- Credit Needed Fair/Poor/Limited
- Card Brand Mastercard®
Highlights
- Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Build up your Credit with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application – it just takes moments to apply. Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Issued by Synovus Bank, Member: FDIC
See additional details for First Digital NextGen Mastercard® Credit Card
- Rewards Rate Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants
- Build Credit Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.
- No Fees Of Any Kind No late fee, foreign transaction fee, or annual fee.
- Annual Fee $0
- Credit Needed N/A
- Card Brand Visa®
- Rewards Rate Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants
- Build Credit Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.
- No Fees Of Any Kind No late fee, foreign transaction fee, or annual fee.
- Annual Fee $0
- Credit Needed N/A
- Card Brand Visa®
Highlights
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.99% - 31.99%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
See additional details for Petal® 2 Cash Back, No Fees Visa® Credit Card
- Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
- Fraud Liability $0 fraud liability for unauthorized charges.
- Worldwide Acceptance Use it anywhere Mastercard is accepted.
- Annual Fee $36 for the first year. Billed $3 per month thereafter.
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
- Fraud Liability $0 fraud liability for unauthorized charges.
- Worldwide Acceptance Use it anywhere Mastercard is accepted.
- Annual Fee $36 for the first year. Billed $3 per month thereafter.
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- 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
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Regular APR 9.99% Low Fixed APR
- No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
- Annual Fee $48
- Credit Needed Poor/Limited
- Card Brand Visa®
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Regular APR 9.99% Low Fixed APR
- No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
- Annual Fee $48
- Credit Needed Poor/Limited
- Card Brand Visa®
Highlights
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
See additional details for Applied Bank® Secured Visa® Gold Preferred® Credit Card
- Credit Line Credit line up to $1,000 – get a response in minutes
- Increase Credit Automatic reviews for credit line increase
- Fraud Protection Zero Fraud Liability – you won’t be responsible for unauthorized charges
- Annual Fee $0–$49
- Credit Needed Good/Fair/Poor/Limited
- Card Brand Visa®
- Credit Line Credit line up to $1,000 – get a response in minutes
- Increase Credit Automatic reviews for credit line increase
- Fraud Protection Zero Fraud Liability – you won’t be responsible for unauthorized charges
- Annual Fee $0–$49
- Credit Needed Good/Fair/Poor/Limited
- Card Brand Visa®
Highlights
- Credit line up to $1,000 – get a response in minutes
- No security deposit or credit history required to apply
- Zero Fraud Liability – you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase
- Worldwide acceptance in stores or online
- Start establishing credit history – monthly reporting to all 3 major credit bureaus
- 24/7 online account management – friendly support in English and Spanish
- If you are assessed a finance charge, it will be no less than $1.00
- Card issued by WebBank, Member FDIC
You must respond directly to this offer to receive these terms. Applications in response to other offers may result in different terms. See the online provider's credit card Cardholder Agreement for details about terms and conditions. Reasonable efforts are made to maintain accurate information. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
See additional details for Oportun® Visa® Credit Card
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Reports to Credit Bureaus Build Credit When Used Responsibly
- Minimum Deposit $49, $99, or $200
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- 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 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
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Secured Credit Card
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Poor/Limited
- Card Brand Mastercard®
Highlights
- 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 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
- Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
- Annual Fee Pay no annual fee
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Fair/Limited
- Card Brand Mastercard®
- Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
- Annual Fee Pay no annual fee
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Fair/Limited
- Card Brand Mastercard®
Highlights
- 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
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum 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.
