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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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Horizon Gold Credit Recommended: Bad/No

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: n/a
Regular APR: 0.00%

FEES:

Annual Fee: See Terms
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: n/a
Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Recommended: Bad/No

Details:

Must have Active Debit Card or Credit Card to qualify.Instant $500 Credit Line.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
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Surge Mastercard® Credit Recommended: Fair/Bad

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: N/A
Regular APR: 25.90% - 29.99%

FEES:

Annual Fee: $75 - $99
Application Processing Fee: See Terms*
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: 25.90% - 29.99%
Annual Fee: $75 - $99
Application Processing Fee: See Terms*

Surge Mastercard® Credit Recommended: Fair/Bad

Details:

All credit types welcome to apply!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 Show More
See if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsFree online account access 24/7Checking Account Required
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: N/A
Regular APR: 9.99% (V)

FEES:

Annual Fee: $49
Application Processing Fee: N/A
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: 9.99% (V)
Annual Fee: $49
Application Processing Fee: N/A

First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

Details:

Receive Your Card More Quickly with New Expedited Processing OptionNo Credit History or Minimum Credit Score Required for ApprovalQuick and Complete Online Application Show More
Full-Feature Platinum Mastercard® Secured Credit CardGood for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit HistoryCredit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with ApplicationJust Pay Off Your Balance and Receive Your Deposit Back at Any Time24/7 Online Access to Your AccountNationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
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First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: N/A
Regular APR: 13.99% (V)

FEES:

Annual Fee: $39
Application Processing Fee: N/A
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: 13.99% (V)
Annual Fee: $39
Application Processing Fee: N/A

First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

Details:

Receive Your Card More Quickly with New Expedited Processing OptionNo Credit History or Minimum Credit Score Required for ApprovalQuick and Complete Online Application Show More
Full-Feature Platinum Mastercard® Secured Credit CardGood for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit HistoryCredit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with ApplicationJust Pay Off Your Balance and Receive Your Deposit Back at Any Time24/7 Online Access to Your AccountNationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: n/a
Regular APR: 9.99% (Fixed)

FEES:

Annual Fee: $48
Application Processing Fee: None
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: n/a
Regular APR: 9.99% (Fixed)
Annual Fee: $48
Application Processing Fee: None

Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No

Details:

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 More
9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are LateActivate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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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: 17.39% (variable)

FEES:

Annual Fee: $35
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: 17.39% (variable)
Annual Fee: $35
Application Processing Fee: See Terms

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

Details:

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.Build credit quickly. OpenSky reports to all 3 major credit bureaus. Show More
99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.*View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Assent Platinum 0% Intro Rate Mastercard Secured Credit Card Credit Recommended: Poor/Limited/No

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: 0% (6 months on Purchases)
Regular APR: 12.99% (V)

FEES:

Annual Fee: $49
Application Processing Fee: N/A
Reporting to Credit Bureaus: Yes
Intro APR on Purchases: 0% (6 months on Purchases)
Regular APR: 12.99% (V)
Annual Fee: $49
Application Processing Fee: N/A

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card Credit Recommended: Poor/Limited/No

Details:

Enjoy 0% APR on Purchases for Six Months!Full-Feature Platinum Mastercard® Secured Credit CardMonthly Reporting to all 3 Major Credit Bureaus to Establish Credit History Show More
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application24/7 Online Access to Your AccountNationwide Program though not yet available in NY, IA, AR, or WI* See Card Terms.
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fast5kloans Credit Recommended: Any

LOAN AMOUNT:

Minimum: $500
Maximum: $10,000

REQUIREMENTS:

Minimum Credit Score: 540
Minimum Age: 18
Minimum Income Required: $800
Checking Account Required: No
Minimum: $500
Maximum: $10,000
Minimum Credit Score: 540
Minimum Age: 18
Minimum Income Required: $800
Checking Account Required: No

fast5kloans Credit Recommended: Any

DETAILS:

Request a loan up to $10,000Fast and secure formFast decision - No paperwork Show More
No Credit History Required
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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.