Credit Cards»Credit Cards for Limited or No Credit History

Credit Cards for Limited or No Credit History

The following credit cards are for people with limited or no credit history. Compare offers side by side and apply online for the card that is right for you. Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt or has a co-signer over the age of 21 who agrees to accept joint liability for the account.

  • logo
    Capital One® Platinum Credit Card
    • Pay no annual fee
    • 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
    • Help strengthen your credit for the future with responsible card use
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99% (Variable)
    $0
    Fair Credit
  • logo
    Discover it® chrome for Students
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.49% - 22.49%.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    13.49% - 22.49% Variable
    $0
    Fair Credit
  • logo
    Capital One® QuicksilverOne® Cash Rewards Credit Card
    • 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 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
    • Use online banking to access your account, even from your smartphone, with our mobile app
    • Help strengthen your credit for the future with responsible card use
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99% (Variable)
    $39
    Fair Credit
  • logo
    Capital One® Secured MasterCard®
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
    • Easily manage your account 24/7 with online access, by phone, or using our mobile app
    • It's a credit card accepted at millions of locations worldwide
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99% (Variable)
    $0
    Bad Credit
  • logo
    Discover it® for Students
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, unlimited 1% cash back on all other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.49% - 22.49%.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    13.49% - 22.49% Variable
    $0
    Fair Credit
  • logo
    Discover it® Secured Credit Card
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
    • No late fee on your first late payment. And paying late won't raise your APR.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    23.49% Variable
    $0
    Fair/New to Credit
  • logo
    USAA Secured Card® Platinum Visa®
    • Best for members rebuilding or establishing credit.
    • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
    • No foreign transaction fees when you travel outside the United States.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.40%-20.40% (Variable)
    $35
    Bad Credit
  • logo
    Journey® Student Rewards from Capital One®
    • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
    • 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 or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly due date that works best for you
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    20.49% (Variable)
    $0
    Fair Credit
  • logo
    Credit One Bank® Unsecured Platinum Visa®
    • Receive 1% cash back on eligible purchases, terms apply
    • Make paying your bill easier with the ability to choose your payment date. Terms apply.
    • See if you Pre-Qualify without harming your credit score
    • Zero fraud liability protects you from unauthorized charges
    • Monitor your credit with free online access to your credit score
    • Show off your style with a premium card design, a fee may apply
    • Receive opportunities for credit line increases, a fee may apply
    • Email or text alerts to remind you when your payment is due
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.90% - 24.40% Variable
    $0 - $99
    Bad Credit
  • logo
    Fingerhut Credit Account
    • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
    • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
    • Fast, easy online application process and a quick decision
    • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC111
    • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Issuer Website
    $0
    Fair/Bad Credit
  • logo
    USAA Secured Card® American Express® Card
    • Best for members rebuilding or establishing credit.
    • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
    • No foreign transaction fees when you travel outside the United States.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.40%-20.40% (Variable)
    $35
    Bad Credit
  • logo
    Citi® Secured MasterCard®
    • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
    • A security deposit is required for this product (minimum $200)
    • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
    • Use the card anywhere MasterCard® is accepted — worldwide
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    22.99%* (Variable)
    $0
    New to Credit
  • logo
    Horizon Gold Card
    • Reports to major credit bureau
    • Fast online approval
    • Unsecured credit limit
    • No credit check
    • No employment check
    • $500 initial credit line
    • 0% APR
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0.00%
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    0% (Fixed)
    $24.95 benefits plan membership will be auto-debited monthly
    Bad Credit
  • logo
    OpenSky® Secured Visa® Credit Card
    • 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.
    • 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.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.89% (Variable)
    $35
    No Credit Check
  • logo
    First Progress Platinum Select MasterCard® Secured Credit Card
    • Fund your new MasterCard® secured credit card with your tax refund today!
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
    • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
    • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
    • 24/7 Online Access to Your Account
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    14.99% (Variable)
    $39
    Bad Credit
  • logo
    Total VISA® Unsecured Credit Card
    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    • This program is not currently available in New York or Wisconsin
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Terms*
    See Terms*
    Bad/Fair
  • logo
    Gettington Credit
    • Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
    • When you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
    • Plus, Gettington Credit customers get exclusive offers, sales and promotions.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    14.90% - 19.90%
    $0
    Fair Credit
  • logo
    primor® Secured Visa Gold Card
    • Low fixed 9.99% interest rate on purchases! Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
    • Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line
    • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
    • Fast, easy application process
    • No processing or application fees!
    • *See application for additional details
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.99% (Fixed)
    $49
    Limited/No Credit
  • logo
    Applied Bank® Secured Visa® Gold Preferred® Credit Card
    • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
    • Absolutely No Credit Check or Minimum Credit Score Required
    • Automatic Reporting to All Three National Credit Bureaus
    • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
    • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.99% (Fixed)
    $48
    Bad Credit
  • logo
    First Progress Platinum Elite MasterCard® Secured Credit Card
    • Fund your new MasterCard® secured credit card with your tax refund today!
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
    • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
    • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
    • 24/7 Online Access to Your Account
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    19.99% (Variable)
    $29
    Bad Credit
  • logo
    First Progress Platinum Prestige MasterCard® Secured Credit Card
    • Fund your new MasterCard® secured credit card with your tax refund today!
    • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
    • We can approve you at any credit score, no minimum required.
    • No processing or application fees required.
    • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.99% (Variable)
    $44
    Bad Credit
  • logo
    UNITY® Visa Secured Credit Card
    • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
    • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
    • No application fee or penalty rate
    • Monthly reporting to all 3 major credit bureaus
    • 24/7 online access to your account
    • *See the Cardholder Agreement for more details.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.95%
    Intro APR
    6 months
    Intro APR Period
    17.99% (Fixed)
    $39
    Bad Credit
  • logo
    primor® Secured Visa Classic Card
    • Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line
    • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
    • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
    • Low fixed 13.99% interest rate on purchases - with no penalty rate!
    • Fast, easy application process
    • No processing or application fees!
    • *See application for additional details
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.99% (Fixed)
    $39
    No Credit Check
  • logo
    primor® Secured MasterCard Classic Card
    • Low fixed interest rates with no penalty rate!
    • Reports to all three nationwide credit bureaus
    • Fast, easy application process
    • No processing or application fees!
    • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
    • *See application for additional details
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.99% (Fixed)
    $39
    Bad Credit/No Credit
  • logo
    primor® Secured MasterCard Gold Card
    • Low fixed interest rates with no penalty rate!
    • Reports to all three nationwide credit bureaus
    • Fast, easy application process
    • No processing or application fees!
    • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
    • *See application for additional details
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.99% (Fixed)
    $49
    Bad Credit/No Credit
  • logo
    The Secured Visa® from Merrick Bank
    • Unsecured credit line increases - your account will be regularly reviewed for credit line increases with no additional security deposit required.
    • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
    • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
    • Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line with additional deposits.
    • Easy funding options - several convenient options to easily submit your security deposits.
    • Worldwide acceptance - use it anywhere Visa is accepted.
    • Quick, easy application - apply online today!
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.95% (Variable)
    $36
    Bad Credit

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.