Best Credit Cards for No Credit History in 2019

The following credit cards are the best of 2019 for those with limited or no credit history. While many of these cards don't have great rewards, they can help you build your credit profile so you can take advantage of rewards later on down the road. Compare the best offers from our partners, read reviews from our editors, and apply online for the card that is right for you.

Bankrate's best credit cards for no credit history in 2019:

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Best for gas station & restaurant rewards

Discover it® Student chrome Image

Recommended Credit Score

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Student chrome

Rewards Rate:
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases – automatically.
Welcome Offer:
Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Annual Fee:
$0
Purchase Intro APR:
0% for 6 months
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
15.24% - 24.24% Variable

Card Details

  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit 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 & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts — Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.

Best for building your credit score

Capital One® Platinum Credit Card Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® Platinum Credit Card

Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.96% (Variable)

Card Details

  • 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
Terms and Restrictions Apply

Best for first-year bonus

Discover it® Secured Image

Recommended Credit Score

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Secured

Rewards Rate:
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Earn unlimited 1% cash back on all other purchases.
Welcome Offer:
We automatically match all the cash back you've earned at the end of your first year.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
25.24% Variable

Card Details

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • We automatically match all the cash back you've earned at the end of your first year.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.

Best for flat-rate cash back

Capital One® QuicksilverOne® Cash Rewards Credit Card Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® QuicksilverOne® Cash Rewards Credit Card

Rewards Rate:
Earn unlimited 1.5% cash back on every purchase, every day
Annual Fee:
$39
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.96% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Terms and Restrictions Apply

Best for students

Discover it® Student Cash Back Image

Recommended Credit Score

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Student Cash Back

Rewards Rate:
Earn 5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Earn 1% unlimited cash back on all other purchases – automatically.
Welcome Offer:
Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Annual Fee:
$0
Purchase Intro APR:
0% for 6 months
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
15.24% - 24.24% Variable

Card Details

  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit 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 & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.

Best for accessing higher credit line

Capital One® Secured Mastercard® Image

Recommended Credit Score

Bad to Fair (300 - 670)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Capital One® Secured Mastercard®

Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.99% (Variable)

Card Details

  • 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
Terms and Restrictions Apply

Best for on-time payment bonus

Journey® Student Rewards from Capital One® Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Journey® Student Rewards from Capital One®

Rewards Rate:
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
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.96% (Variable)

Card Details

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Terms and Restrictions Apply

Best for no required credit check

OpenSky® Secured Visa® Credit Card Image

Recommended Credit Score

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital Bank's secure website

OpenSky® Secured Visa® Credit Card

Annual Fee:
$35
Purchase Intro APR:
N/A
Regular APR:
19.64% (variable)

Card Details

  • 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.
Terms and Restrictions Apply

Best for no annual fee

Citi® Secured Mastercard® Image

Recommended Credit Score

No Credit History

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Citi's secure website

Citi® Secured Mastercard®

Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
24.74%* (Variable)

Card Details

  • 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
Terms and Restrictions Apply
Self Lender — Credit Builder Account Image

Recommended Credit Score

No Credit History

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Self Lender Credit Builder's secure website

Self Lender — Credit Builder Account

Annual Fee:
One Time $9 - $15 Account Fee (Varies by Product)
Purchase Intro APR:
N/A
Regular APR:
12.03% - 15.98% (Varies by Product)

Card Details

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you've built credit history and your CD savings unlocks
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Bankrate Staff | Last Updated: January 4, 2019


In this article

Why you can trust Bankrate

Chances are you may be just starting out on your financial journey, or you could be starting anew after a few financial missteps. Well, you have come to the right place. Bankrate’s team of personal finance experts have over ten years experience offering thoughtful advice on life’s financial journey.

When you don’t have a credit history, you could use a good credit card to help you establish a strong one. The cards we recommend are the best for building the foundation of a credit history that will benefit you the rest of your life.

Review criteria
Bankrate uses a unique 100-point scoring system to evaluate credit cards for particular types of consumers. For people with no credit history, our analysis put special focus on features including:

  • Annual fees: If you want a starter credit card but don’t have a lot of money to spare the cards on this list have either no annual fee or an annual fee under $40.
  • Intro APR: Annual Percentage Rate (APR) determines how much interest you pay. Some of our top cards offer 0% introductory APR for purchases or low introductory APR for balance transfers.
  • Incentives: You’ll find cards on this list that reward you for good financial habits, like the option to increase your credit line for making on-time payments. We’ve also included student cards that offer statement credits for making good grades.
  • Credit-building tools: Cards that offer monthly reporting to credit bureaus help establish your credit history.

Bankrate can help you find a credit card to begin building a solid credit history, purchase by purchase and payment by payment. Check out our best credit cards for no credit history and get started today.

Editor’s take on our favorite credit cards for limited or no credit in 2019

Discover it® Secured

This is Bankrate’s highest-rated secured card—and for good reason. This card is one of the only ones designed for those with little to no credit that offers cash-back rewards and at a respectable rate too. The Discover it® Secured earns 2% back on dining and gas up to $1,000 in spending per quarter, and 1% on everything else. Saving money AND building up your credit sounds like a win-win to us.

Highlights:

  • Regular on-time payments (and delinquent ones) will be reported to all three credit bureaus.
  • This card’s credit limit is tied to the amount of the security deposit you put down starting at a $200 up to a maximum credit limit of $2,500.
  • Discover will match dollar-for-dollar all of your rewards at the end of the first year of card ownership.

Capital One Secured Mastercard

The Capital One Secured Mastercard wants to help you achieve solid financial footings. At least, that’s what this piece of plastic implies with its structure. This card lets you pay your initial opening deposit in installments—which could be a real help for anyone on a fixed income. You have 80 days to pay off your opening security deposit, which starts at a minimum of $200.

Highlights:

  • You may be eligible for a higher credit limit after you make five on-time payments in a row.
  • This card comes with Platinum Mastercard benefits, which include travel and auto protection.
  • There’s no annual fee, no set-up fee and no maintenance fee.

OpenSky Secured Visa Credit Card

The Website for OpenSky’s Secured Visa Credit Card deserves kudos. It’s one of the best-designed and most accessible we’ve seen. On the site, the terms of the card and information about how you can build or improve credit with the card are easy to navigate and written in clear language that anybody should be able to follow.

Highlights:

  • Previous credit history or lack of won’t be a barrier to obtaining the card. You can qualify by opening making a fully refundable deposit with OpenSky into an FDIC-insured account.
  • Payments will be reported to the three major credit bureaus every month.
  • Late payments won’t affect your APR.

Why is building credit important

Considering 90 percent of financial institutions in the U.S. use FICO scores in their decision-making process, your credit score is one of the single most influential factors in determining your financial standing. Lenders use your credit score to gauge how reliable you are at paying your bills on time and in full.

When you hear a three-digit number referring to a credit score, that number is likely a FICO score. FICO scores range from a low of 300 to a high of 850. According to Experian, one of the three major credit reporting bureaus, approximately 16 percent of Americans have a “Very Poor” score – meaning 579 or lower. Those with no credit history or low credit scores might struggle to be approved for a mortgage, auto loan, credit card and more. Even if you get approved, those will lower credit scores aren’t offered the most favorable terms on interest rates or credit limits.

For example, if you have a credit card and have a balance of $10,000 on it, someone with excellent credit may have an annual percentage rate (APR) of 17%, so over the course of the year, if you leave the balance untouched, that $10,000 will accrue $1,700 in interest. Someone with poor credit, on the other hand, may only qualify for a card with a higher APR, like 29 percent. That same $10,000 balance over the course of a year with an APR of 29 percent will accrue $2,900 in interest charges—a $1,200 difference just because of a lower credit score.

When it comes to loans that take years to pay off, like student loans and mortgages, the difference between poor credit and good credit can mean thousands of dollars over the life of a loan. And, those with poor credit may not even be able to get approved by a lender, making it difficult to make any purchase that you’d like to pay off over time.

How to build credit

For someone who is just starting out, it’s important to know that it takes time to build up a strong credit score. A credit card can be a great way to start building up your credit history if you use it wisely. Even if you’re only eligible for a secured card, if you use the card to make small charges, keep your spending on the card at a minimum and pay your bill on time and in full each month, you can improve your score by the end of 2019.

One of the factors that can affect your score is your total debt-to-available-credit ratio. In general, it’s best to keep this ratio at 30% or less. If you have a card with a total credit limit of $1,000, aim to spend no more than $300 on the card in a billing cycle. This includes any issuer set-up and maintenance charges that may come with some of the cards designed for those with no credit.

Pay your bills in full and on time every month, keep your debt-to-available-credit ratio low and you’ll eventually get approved for a higher credit limit, which can help improve your score. Maintain good payment behavior and over time your score will continue to improve. Your goal should be to eventually attain excellent credit so that you qualify for the best rates on all loans.

When you should start building credit

As soon as you open your first bank account, you should consider building your credit profile. It’s possible (and necessary to gain strong financial footing) to build up a credit file even when you don’t have any credit.

If you don’t think you’ll qualify to get a credit card on your own, consider becoming an authorized user on a family member or close friend’s card. Or, have someone co-sign on a card application with you. A secured card may also be a good choice as these cards have far less stringent criteria for approval than unsecured cards.

With regular on-time payments throughout 2019, you can boost your score even if you started the year with no credit.

Is no credit the same as bad credit?

Having no credit and having bad credit are two very different things. Someone with no credit is typically someone who is just starting out, either as a young adult or someone new to the country. Having bad credit, however, means that you’ve possibly made poor financial decisions and are considered risky to lenders. Therefore, lenders are typically more favorable towards those with no credit.

For example, a landlord may look less favorably upon someone who has recently filed for bankruptcy than a recent college grad with no credit who just landed their first job. In most cases, no credit is somewhat of a clean slate, taking less time to build up a strong credit profile than someone who has to wait until a bankruptcy is discharged or other bad credit issue is resolved.

How a credit card can help you build credit

Most credit card issuers report your spending habits and payment history to one of three major credit reporting agencies. These agencies compile this information with reports from other lenders such as your mortgage company or small loan lender to create your overall credit report and credit score.

By practicing responsible spending habits with your credit card, you are showing these reporting agencies that you are low-risk, meaning they don’t have to worry about you not paying your bills or maxing out your credit.

While responsible credit card usage can help those with bad or no credit improve their score, it’s also important to remember that scores can be temporarily impacted by credit card applications. Every time you apply for a card, the issuer will do what’s called a “hard” inquiry, which will show up on your credit report. Multiple hard inquiries can damage your credit score, so make sure that you are only applying for lines of credit when necessary.

* 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.