- Credit Card Offers
- Credit Cards for Limited or No Credit
Limited or No Credit History Credit Cards
Click apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Surge® Platinum Mastercard® Credit Recommended: See website for Details*
FEATURES:
APRs:
FEES:
Surge® Platinum Mastercard® Credit Recommended: See website for Details*
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!Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements) Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
RescueLoans.net Credit Recommended: Any Credit
LOAN AMOUNT:
REQUIREMENTS:
RescueLoans.net Credit Recommended: Any Credit
Click apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Group One Freedom Card Credit Recommended: Bad
FEATURES:
APRs:
FEES:
Group One Freedom Card Credit Recommended: Bad
Click apply button to get redirected to the bank’s secure application page
All your personal information will be protected
First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
FEATURES:
APRs:
FEES:
First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
Details:
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! Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
FEATURES:
APRs:
FEES:
First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
Details:
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. Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
FEATURES:
APRs:
FEES:
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 MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
fast5kloans Credit Recommended: Any
LOAN AMOUNT:
REQUIREMENTS:
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.
More cards by credit history:
