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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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Surge® Platinum Mastercard® Credit Recommended: Fair

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: See website for Details*
Regular APR: 29.99% (Variable)

FEES:

Annual Fee: See website for Details*
Application Processing Fee: See Terms*
Celtic Bank: {Surge® Platinum Mastercard®}
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Reporting to Credit Bureaus: Yes
Intro APR on Purchases: See website for Details*
Regular APR: 29.99% (Variable)
Annual Fee: See website for Details*
Application Processing Fee: See Terms*

Surge® Platinum Mastercard® Credit Recommended: Fair

Details:

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 More
Initial Credit Limit of $300 – $1,000* (subject to available credit)Monthly reporting to the three major credit bureausSee if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsOnline account access 24/7Checking Account Required
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RescueLoans.net Credit Recommended: Any Credit

LOAN AMOUNT:

Minimum: $100
Maximum: $1,000

REQUIREMENTS:

Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No
RescueLoans.net: {RescueLoans.net}
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Minimum: $100
Maximum: $1,000
Minimum Credit Score: See terms
Minimum Age: 18
Minimum Income Required: See terms
Checking Account Required: No

RescueLoans.net Credit Recommended: Any Credit

DETAILS:

Fast approval in as little as 2 minutesYour money directly deposited into your accountSafe and Secure Show More
Flexible PaymentsAll Credit Types
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Group One Freedom Card Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: No

APRs:

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

FEES:

Annual Fee: See terms
Application Processing Fee: See terms
Horizon Card Services: {Group One Freedom Card}
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Reporting to Credit Bureaus: No
Intro APR on Purchases: n/a
Regular APR: 0.00%
Annual Fee: See terms
Application Processing Fee: See terms

Group One Freedom Card Credit Recommended: Bad

Details:

Bad Credit, Low Score? No Problem!Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!Receive a $750 Credit Line* Show More
Easy Application with Immediate ResultsNo Credit Check*usable only at theHorizonOutlet.com
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: N/A
Regular APR: 15.24% (V)

FEES:

Annual Fee: $49
Application Processing Fee: N/A
Synovus Bank: {First Progress Platinum Prestige Mastercard® Secured Credit Card}
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Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: 15.24% (V)
Annual Fee: $49
Application Processing Fee: N/A

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

Details:

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 More
No minimum credit score required for approval!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.
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First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

FEATURES:

Reporting to Credit Bureaus: Yes

APRs:

Intro APR on Purchases: N/A
Regular APR: 19.24% (V)

FEES:

Annual Fee: $39
Application Processing Fee: N/A
Synovus Bank: {First Progress Platinum Select Mastercard® Secured Credit Card}
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Reporting to Credit Bureaus: Yes
Intro APR on Purchases: N/A
Regular APR: 19.24% (V)
Annual Fee: $39
Application Processing Fee: N/A

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

Details:

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 More
No minimum credit score required for approval!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.
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged

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
Applied Bank®: {Applied Bank® Secured Visa® Gold Preferred® Credit Card}
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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: Poor/Fair/Limited/Damaged

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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fast5kloans Credit Recommended: Any

LOAN AMOUNT:

Minimum: $500
Maximum: $35,000

REQUIREMENTS:

Minimum Credit Score: 550
Minimum Age: 18
Minimum Income Required: $1,000
Checking Account Required: No
Fast5kLoans: {fast5kloans}
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Minimum: $500
Maximum: $35,000
Minimum Credit Score: 550
Minimum Age: 18
Minimum Income Required: $1,000
Checking Account Required: No

fast5kloans Credit Recommended: Any

DETAILS:

You can receive funding up to $35,000Personal loan as soon as tomorrowFind the loan that is right for you Show More
Personal Loans Online - All Credit Types Considered
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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.

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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.

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