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
  • 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.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.00%See terms
  • 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
  • Earn 1% cash back on every purchase.
  • For every month you pay on time, you receive a 25% bonus — that′s a total of 1.25% cash back.
  • There′s no limit to the amount of cash back you can earn, and rewards don′t expire.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Pay no annual fee or foreign transaction fees.
  • Fraud coverage if your card is lost or stolen.
  • Pick the monthly payment due date that works best for you.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a19.8% (Variable)$0
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Start the New Year with Fingerhut.
  • Get $25 off $100 - USE Promo Code NC568. Exp. 2/28/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.90%$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until November 2015; 22.9% variable APR after that.
  • 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
November
2015)
0%
(until
November
2015)
22.9% (Variable)$39
  • Get paychecks and your tax refund fast with direct deposit!
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
Apply Now
Activation
Fee
Guaranteed
Approval
Credit
Check
Build
Credit
Direct
Deposit
$0NoNoNoFree
  • Trust Brink′s with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don′t have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the Payback Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You′re A Little Short.
Apply Now
Activation
Fee
Guaranteed
Approval
Credit
Check
Build
Credit
Direct
Deposit
$0YesNoNoFree
  • 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.
Apply Now
Activation
Fee
Guaranteed
Approval
Credit
Check
Build
Credit
Direct
Deposit
see siteNoNoNoFree

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.