Credit Cards » Limited or No Credit History Credit Cards

Limited or No Credit History Credit Cards

Credit cards for limited or no credit is a good solution for those holders who want to make day to day purchases and raise their FICO score. When applying for the card that requires limited or no credit, you obtain a useful financial tool that provides you with the services with which you can achieve your financial goals.

  • Start with a $0 intro annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account, even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.9% (Variable)$0 intro for first year;
$19 after that
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a29.99% (V)$125 for the first year. After that, $96 annually
  • Get the credit you need with a competitive rate.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account, even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a20.9% (Variable)$39
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.00%See terms
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No 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 earn.
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016.
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until March 2016.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is ever lost or stolen.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0% (until March 2016)0% (until March 2016)22.9% (Variable)$39
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 275,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • 4th of July Savings Going on Right Now with Fingerhut.
  • Get $50 off $200 - USE Promo Code NC801. Exp. 8/3/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.90%$0
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
  • $25 off first purchase of $400 or more. Coupon Code: JNE2015. Expires: 06/30/15.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.0%$49
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
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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 impossible, especially with the new rules. However, there are several cards that a person with limited credit history can secure in order to continue to build up their credit score. If you are just starting out, you will need to find the credit card offers exclusive to limited or no credit consumers. You may wish to start with a department store or a gas card to help boost your score before applying for a more traditional credit card.

When you establish an active, open credit account, it becomes most 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. If you miss payments, you will be subjected to a higher interest rate on your card.

Look for card issuers that offer credit cards to new credit users. These cards will be designed to grow with you as your credit score grows. While your initial credit limit may seem somewhat low, your good payment history on the card can help increase your limits down the line. You may also be able to improve your credit score enough to allow you to qualify for a larger selection of plastic cards in the future.

Credit cards offer great protection for consumers and can be an excellent resource for managing money. If you have never applied for one before, be sure you understand the terms and conditions of each offer rather than applying for too many cards at one time. Too many applications for credit can actually harm your credit, rather than rebuild it. It is also important to remember that if this is the first time you are applying for a credit card, be sure to select the card because it is the right one for you and not because of the great promotional products that are being offered for free with each applications.

6 Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.