- Credit Card Offers
- Credit Cards for Limited or No Credit
Limited or No Credit History Credit Cards
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Surge® Platinum Mastercard® Credit Recommended: Fair
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Surge® Platinum Mastercard® Credit Recommended: Fair
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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!Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian Show MoreClick apply button to get redirected to the bank’s secure application page
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RescueLoans.net Credit Recommended: Any Credit
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RescueLoans.net Credit Recommended: Any Credit
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Group One Freedom Card Credit Recommended: Bad
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Group One Freedom Card Credit Recommended: Bad
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
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1% Cash Back Rewards on paymentsChoose your own credit line - $200 to $2000 – based on your security depositBuild your credit score.1 Reports to all 3 credit bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
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First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
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First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
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1% Cash Back Rewards on paymentsChoose your own credit line - $200 to $2000 – based on your security depositBuild your credit score.1 Reports to all 3 credit bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
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Better than Prepaid…Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
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fast5kloans Credit Recommended: Any
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fast5kloans Credit Recommended: Any
Applying for a Credit Card With No or Limited Credit History
Getting a credit card when you have no credit history or a very limited one can seem hardly possible. However, there are several cards that a person with limited credit history can get in order to build up credit scores. If you are just starting out, you will need to find credit card offers exclusive to limited or no credit consumers.
When you open a credit account, it is important to understand how credit works and the importance of paying card bills on time each month. Understanding how grace periods work and being able to budget your money to pay off your balance in full each month can help you boost your credit history more efficiently.
Frequently Asked Questions:
Yes. Most store credit cards will be good for building credit. However, it is always worth making sure the store credit card you are going to apply with will actually be reported to one or all three major credit bureaus. If the store card is not reported, you’d better skip it and apply for a different credit card that is reported to the credit bureaus.
To apply for a credit card when your credit is bad, you must have sufficient income that exceeds your expenses (including mortgage or rental payments). Having a checking or savings account is also important because many cards require the applicants to have an active bank account. When you choose a credit card look for cards with prequalification, secured credit card and store credit cards. These three types of credit cards are good for people with no credit. Since you want to build your own credit, make sure a card is reported to the consumer credit bureaus and only then apply for it.
When you have no credit at all, you actually have several options to start with. But before you start, make sure you have stable income that exceeds your expenses and have a bank account. Now you can apply for a secured credit card. To get a card you will need to make a security deposit right away or during a given period of time. If you have a relative with good credit, there is another option for you – you can become an authorized user or have him/her as a co-signer on your card. If you do not have anyone to help you, you can go with a store credit card or with a student credit card, if you are a student. Think which option will be the best for you and avoid applying for too many credit cards in a short period of time. When you are turned down, call the credit card issuer and ask for reconsideration.
Even if you have no credit at all, you can get an unsecured or secured credit card. Be ready that credit cards will have high interest rates and an annual fee. However, there are secured credit cards that have rather low interest rates or no annual fee. Another type of credit cards you can get is a store credit card. This card will be good for you if you have your favorite retailer you often shop with because chances are you will be approved for the card without a Visa or MasterCard logo. Such store credit card is good for in-store use only.