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Credit Cards for No Credit

  • Compare no credit, credit cards from our partners for those with limited or no credit history
  • Independent ratings and reviews of credit cards for people with no credit
  • Secure and immediate online application process

See offers from our partners below.

AvantCard Credit Card
 

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on Avant's secure site

  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 28.74% Variable
  • Annual Fee $59
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®
  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 28.74% Variable
  • Annual Fee $59
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39
  • Checking your eligibility does not affect your credit score

See additional details for AvantCard Credit Card

Reflex® Platinum Mastercard®
 

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on Celtic Bank's secure site

  • Easy Application Fast and easy application process; results in seconds.
  • Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
  • Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
  • Annual Fee See Terms
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®
  • Easy Application Fast and easy application process; results in seconds.
  • Build Credit Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
  • Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
  • Annual Fee See Terms
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • See if you’re Pre-Qualified with no impact to your credit score
  • 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)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

See additional details for Reflex® Platinum Mastercard®

Discover it® Secured Credit Card
 

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on Discover's secure site

Rates & Fees
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Credit Limit Credit line will equal your security deposit of $200 or more*
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Discover
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Credit Limit Credit line will equal your security deposit of $200 or more*
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Discover

Highlights

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 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.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Secured Credit Card

Petal® 1 No Annual Fee Visa® Credit Card
 

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on Petal's secure site

  • Rewards Rate Earn 2% to 10% cash back at select merchants
  • Build Credit Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
  • Credit Limit $300 - $5,000 credit limits
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®
  • Rewards Rate Earn 2% to 10% cash back at select merchants
  • Build Credit Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
  • Credit Limit $300 - $5,000 credit limits
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®

Highlights

  • $0 Annual Fee
  • Variable APRs range from 22.99% - 32.49%
  • $300 - $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Chase Freedom® Student credit card
 

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on Chase's secure site

  • Rewards Rate Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Sign-Up Bonus $50 Bonus after first purchase made within the first 3 months from account opening
  • APR 17.99% Variable on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Rewards Rate Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Sign-Up Bonus $50 Bonus after first purchase made within the first 3 months from account opening
  • APR 17.99% Variable on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Free credit score with Chase Credit Journey

See additional details for Chase Freedom® Student credit card

First Progress Platinum Prestige Mastercard® Secured Credit Card
 

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on First Progress's secure site

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 13.74% (V)
  • Annual Fee $49
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 13.74% (V)
  • Annual Fee $49
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Deserve® EDU Mastercard for Students
 

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on Deserve's secure site

  • Rewards Rate 1% unlimited cash back on ALL purchases
  • Extra Perks Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Boost Your Credit Score Build a positive credit history with responsible use
  • Annual Fee $0
  • Credit Needed Excellent/Good/Limited
  • Card Brand Mastercard®
  • Rewards Rate 1% unlimited cash back on ALL purchases
  • Extra Perks Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Boost Your Credit Score Build a positive credit history with responsible use
  • Annual Fee $0
  • Credit Needed Excellent/Good/Limited
  • Card Brand Mastercard®

Highlights

  • Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
First Digital NextGen Mastercard® Credit Card
 

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on First Digital's secure site

  • Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
  • Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Annual Fee See Terms*
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®
  • Widely Accepted Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build Credit Build up your Credit with a card that reports to all three major credit bureaus every month.
  • Fast Application and Delivery Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Annual Fee See Terms*
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Build up your Credit with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application – it just takes moments to apply. Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Synovus Bank, Member: FDIC
Petal® 2 Cash Back, No Fees Visa® Credit Card
 

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on Petal's secure site

  • Rewards Rate Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants
  • Build Credit Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.
  • No Fees Of Any Kind No late fee, foreign transaction fee, or annual fee.
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®
  • Rewards Rate Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants
  • Build Credit Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.
  • No Fees Of Any Kind No late fee, foreign transaction fee, or annual fee.
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®

Highlights

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 15.99% - 29.99%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
Merrick Bank Secured Credit Card
 

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on Merrick Bank's secure site

  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for the first year. Billed $3 per month thereafter.
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for the first year. Billed $3 per month thereafter.
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

See additional details for Merrick Bank Secured Credit Card

Surge® Secured Mastercard®
 

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on Celtic Bank's secure site

  • Rewards Rate 1% Cash Back rewards on every purchase
  • Credit Line $300
  • Regular APR 19.99% Variable
  • Annual Fee $69
  • Credit Needed Poor
  • Card Brand Mastercard®
  • Rewards Rate 1% Cash Back rewards on every purchase
  • Credit Line $300
  • Regular APR 19.99% Variable
  • Annual Fee $69
  • Credit Needed Poor
  • Card Brand Mastercard®

Highlights

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

See additional details for Surge® Secured Mastercard®

Citi® Secured Mastercard®
 

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on Citibank's secure site

Rates & Fees
  • Build Your Credit Monthly reporting to the three major credit bureaus
  • Perks and Features Auto Pay can help you stay on top of your bill
  • Worldwide Acceptance Use your card anywhere that accepts Mastercard®
  • Annual Fee $0
  • Credit Needed Limited
  • Card Brand Mastercard®
  • Build Your Credit Monthly reporting to the three major credit bureaus
  • Perks and Features Auto Pay can help you stay on top of your bill
  • Worldwide Acceptance Use your card anywhere that accepts Mastercard®
  • Annual Fee $0
  • Credit Needed Limited
  • Card Brand Mastercard®

Highlights

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.

See additional details for Citi® Secured Mastercard®

Applied Bank® Secured Visa® Gold Preferred® Credit Card
 

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on Applied Bank's secure site

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular APR 9.99% Low Fixed APR
  • No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
  • Annual Fee $48
  • Credit Needed Poor/Limited
  • Card Brand Visa®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular APR 9.99% Low Fixed APR
  • No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
  • Annual Fee $48
  • Credit Needed Poor/Limited
  • Card Brand Visa®

Highlights

  • 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
Capital One Platinum Secured Credit Card
 

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on Capital One's secure site

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Capital One Platinum Credit Card
 

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on Capital One's secure site

  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee Pay no annual fee
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Mastercard®
  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee Pay no annual fee
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

See additional details for Capital One Platinum Credit Card

Merrick Bank Double Your Line® Mastercard®
 

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on Merrick Bank's secure site

  • Credit Line Automatic account reviews for credit line increases.
  • FICO History Get your updated FICO® Score for free each month when it is provided to us from the credit bureau.
  • Pre-Qualification Find out in 60 seconds without harming your credit score.
  • Annual Fee $0 - $72
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®
  • Credit Line Automatic account reviews for credit line increases.
  • FICO History Get your updated FICO® Score for free each month when it is provided to us from the credit bureau.
  • Pre-Qualification Find out in 60 seconds without harming your credit score.
  • Annual Fee $0 - $72
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Cards for People with No Credit

Even if you are good at managing money and always pay your bills on time you may have limited or no credit history. That can be a problem, though, because credit card companies and banks want to see a track record in order to predict whether or not you’ll be a good customer and won’t abuse your card or procrastinate when it is time to make a minimum payment.

Having a limited credit history can be a frustrating situation because you have limited options available to you in order to demonstrate your credit worthiness. You are stuck in a classic “Catch-22” situation. The good news is that there are credit card companies that will issue credit cards for no credit history individuals. These no credit credit cards are reviewed and summarized in this section so that you can browse through them and find one you like.

Once you get approved you can start building a credit history by making sure that the card you have chosen reports your payment history to the “big three” credit reporting agencies on a regular basis. By using the card responsibly you’ll soon establish a verifiable track record and your credit rating will go up along with your credit score. Then you’ll no longer have to rely solely upon “no credit history” credit cards and can “upgrade” to a credit card product with lower interest rates and which offer reward programs.

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