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Limited or No Credit History Credit Cards

Credit cards for no credit or limited credit histories are a good solution for those who want to raise their FICO score. When approved you obtain a useful financial tool that provides you with the potential to achieve your financial goals. Good credit is a necessity for many things and a credit history with limited or no information may be as bad as a bad credit profile. These cards can help you build credit by establishing your credit history. Be sure to make on-time monthly payments to ensure your credit score goes up.
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Capital One® Platinum Credit Card Credit Recommended: Average, Fair, Limited

FEATURES:

Reporting to Credit Bureaus: N/A

APRs:

Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Reporting to Credit Bureaus: N/A
Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Platinum Credit Card Credit Recommended: Average, Fair, Limited

Card details:

Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on timeFraud coverage if your card is lost or stolen Show More
Use online banking to access your account, even from your smartphone, with our mobile appPay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for youGet access to your account 24 hours a day, 7 days a weekHelp strengthen your credit for the future with responsible card use
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Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Recommended: Average, Fair, Limited

FEATURES:

Reporting to Credit Bureaus: N/A

APRs:

Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)

FEES:

Annual Fee: $39
Application Processing Fee: See terms
Reporting to Credit Bureaus: N/A
Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)
Annual Fee: $39
Application Processing Fee: See terms

Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Recommended: Average, Fair, Limited

Card details:

Earn unlimited 1.5% cash back on every purchase, every dayNo rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earnGet access to a higher credit line after making your first 5 monthly payments on time Show More
Fraud coverage if your card is ever lost or stolenUse online banking to access your account, even from your smartphone, with our mobile appHelp strengthen your credit for the future with responsible card use
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Total Visa Card Credit Recommended: Fair/Bad

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: N/A
Regular APR: See Terms*

FEES:

Annual Fee: See Terms*
Application Processing Fee: See Terms*
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: See Terms*
Annual Fee: See Terms*
Application Processing Fee: See Terms*

Total Visa Card Credit Recommended: Fair/Bad

Card details:

Checking Account RequiredFast and easy application process; response provided in secondsA genuine VISA card accepted by merchants nationwide across the USA and online Show More
Manageable monthly paymentsIf approved, simply pay a Processing Fee to open your account and access your available creditReports monthly to all three major credit bureaus
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: n/a
Regular APR: 17.89% (variable)

FEES:

Annual Fee: $35
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: n/a
Regular APR: 17.89% (variable)
Annual Fee: $35
Application Processing Fee: See Terms

OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No

Card details:

Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.Choose your credit line as low as $200 up to $3,000, secured by a fully-refundable* security deposit.Security deposit needs to be submitted before the credit card can be issued. Show More
No credit check necessary and no checking account required; apply in less than 5 minutes.Extra credit when you need it, increase your credit line up to $5,000.Access to online financial education.*View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Fingerhut Credit Account Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: n/a
Regular APR: 25.15%

FEES:

Annual Fee: $0
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: n/a
Regular APR: 25.15%
Annual Fee: $0
Application Processing Fee: See Terms

Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee*.No Over Limit Fee*.Instant Response (Delays may occur depending on application data provided). Show More
Apply for Fingerhut Credit today*. Fill out our easy online application.Low Monthly Payments*.Choose From Over 500,000 items.Shop Great Brands at Fingerhut.com.Budget Friendly Payments* with Fingerhut Credit!Get the Credit You Deserve*.We just love saying "YES!"*SEE Fingerhut.com Site for Terms & Conditions.
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Journey® Student Rewards from Capital One® Credit Recommended: Average, Fair, Limited

FEATURES:

Reporting to Credit Bureaus: N/A

APRs:

Intro APR on Purchases: N/A
Regular APR: 20.49% (Variable)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Reporting to Credit Bureaus: N/A
Intro APR on Purchases: N/A
Regular APR: 20.49% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Journey® Student Rewards from Capital One® Credit Recommended: Average, Fair, Limited

Card details:

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that monthThere’s no limit to the amount of cash back you can earn, and rewards don't expireGet access to a higher credit line after making your first 5 monthly payments on time Show More
Pay no annual or foreign transaction feesFraud coverage if your card is lost or stolenPick the monthly due date that works best for you
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National Credit Direct Credit Recommended: Any

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: n/a
Regular APR: 0.0%

FEES:

Annual Fee: $49
Application Processing Fee: $0
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: n/a
Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: $0

National Credit Direct Credit Recommended: Any

Card details:

Shop Brand Name Electronics.No Turn Downs.Credit Limit of Up To $3,500.6 Show More
0% APR.Reward Points for every dollar spent.Low Flexible Payments.Reports to Major Credit Bureau.Bad Credit - OK.
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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.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

Can I use a store card to build my credit?

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.

How to apply for a credit card with no credit?

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.

How to get a credit card with no credit?

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.

What credit card can I get with no credit?

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.