Apply now
On Transportation Alliance Bank‘s site

Best Credit Cards for No Credit History of August 2022

No credit history? No problem. There are plenty of options in the credit card world that require no credit check. And you can even snag one that offers benefits and rewards to fit your lifestyle. Peruse the cards on the list and compare features to find the one that best fits your financial situation.

By Hanna Volkava
Updated August 12, 2022

Best Credit Cards for No history in August 2022

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The Mission Lane Visa® Mission Lane LLC
Annual Fee:
$0 - $59
Regular APR:
26.99% - 29.99% Variable
Our Rating:
3.05
scorer
Сredit score
No Credit History to Fair (0-669)
    • Issuer name:
      Transportation Alliance Bank
    • Details:

      The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

      The annual fee for this card is $0 – $59.

      Read full review

    • Pros:
      • Higher credit lines
      • Reports to the three major credit bureaus
      • Instant credit decision
    • Cons:
      • High variable purchase APR
      • Annual fees up to $59
      • No rewards
      • Foreign transaction fee
      • Not available to everyone
    • Benefits:
      • Clear pricing & no hidden fees;
      • Higher credit lines over time;
      • The tools to help build your credit;
      • Credit-building education;
      • Instant credit decision;
      • All the coverage of Visa®.
    View all The Mission Lane Visa® details
    Apply now
    On Transportation Alliance Bank‘s site
    Card detail

    The Bank of Missouri FIT Mastercard® best for Unsecured

    FIT Mastercard® The Bank of Missouri
    Annual Fee:
    $99 annually
    Regular APR:
    29.99% Variable
    Our Rating:
    3.9
    scorer
    Сredit score
    No Credit History to Poor (0-579)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The Fit Mastercard Credit Card helps to rebuild or build your credit.

        The Fit Mastercard Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

        The FIT Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

        Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

        Read full review

      • Pros:
        • Credit may increase with time
        • Low eligibility requirements
        • Reasonable credit limit
        • No Security deposit
        • Credit Score Access
      • Cons:
        • High extra fees
        • High APR
        • Foreign Transaction Fee
        • No reward program
        • No Sign up Bonus
      • Benefits:
        • $0 Fraud Liability;
        • Initial Credit Limit of $400;
        • Potential Credit Limit Increase After Just 6 Months;
        • Free Monthly Credit Score;
        • Reports to All Three Major Credit Bureaus.
      View all FIT Mastercard® details
      Apply now
      On The Bank of Missouri‘s site
      Card detail

      Celtic Bank Reflex Mastercard®​ best for Unsecured

      Reflex Mastercard®​ Celtic Bank
      Annual Fee:
      $75 - $99 for the first year $99 after the first year
      Regular APR:
      24.99% - 29.99% Variable
      Our Rating:
      3.8
      scorer
      Сredit score
      No Credit History to Good (0-739)
        • Issuer name:
          Celtic Bank
        • Details:

          The Reflex Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

          With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

          Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

          Read full review

        • Pros:
          • Chance to get a higher credit limit
          • All credit scores are welcome to apply
          • Reports to three bureaus
          • Check if you prequalify without affecting your credit score
          • No deposit required
        • Cons:
          • No rewards
          • High Regular APR
          • High annual fee
          • Monthly maintenance fee
          • Additional card fee
          • Foreign transaction fee
        • Benefits:
          • $0 Fraud Liability;
          • Potential Credit Limit Increase After Just 6 Months;
          • Free Monthly Credit Score;
          • Monthly Reporting to All Three Major Credit Bureaus;
          • Credit Protection program.
        View all Reflex Mastercard®​ details
        Apply now
        On Celtic Bank‘s site
        Card detail
        First Access Visa® The Bank of Missouri
        Annual Fee:
        $75 annual fee for first year $48 annually
        Regular APR:
        34.99%
        Our Rating:
        4.2
        scorer
        Сredit score
        No Credit History to Fair (0-669)
          • Issuer name:
            The Bank of Missouri
          • Details:

            The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

            The First Access Visa Card's APR: 34.99%.

            The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

            Read full review

          • Pros:
            • Available to those with bad credit
            • Reports to three major credit bureaus
            • Easy application
            • No security deposit
          • Cons:
            • High APR
            • Several fees
            • Low credit limit
            • No rewards
          • Benefits:
            • First Access Visa credit card accepted nationwide;
            • Rebuild your credit;
            • Easy and Secure Online Application.
          View all First Access Visa® details
          Apply now
          On The Bank of Missouri‘s site
          Card detail
          Merit Platinum
          Annual Fee:
          See website for details*
          Regular APR:
          None
          Our Rating:
          3.8
          scorer
          Сredit score
          No Credit History to Poor (0-579)
            • Details:

              The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

              The card provides you with a merchandise credit line of $750*.

              Read full review

            • Pros:
              • Fast and Easy Application
            • Cons:
              • Valid at the Horizon Outlet store
            • Benefits:
              • $750 Merchandise Credit Line*;
              • No Employment or Credit Check.
            View all Merit Platinum details
            Apply now
            On Meritplatinum‘s website
            Card detail

            Celtic Bank Surge Mastercard® best for Walmart purchases

            Surge Mastercard® Celtic Bank
            Annual Fee:
            $75 - $99 annually $99 annually
            Regular APR:
            24.99% - 29.99% Variable
            Our Rating:
            3.2
            scorer
            Сredit score
            No Credit History to Poor (0-579)
              • Issuer name:
                Celtic Bank
              • Details:

                The Surge Mastercard credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

                The Surge credit card has an annual fee of $75 to $99 (after that $99 annually).

                Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

                There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

                This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

                Read full review

              • Pros:
                • Monthly Credit Reporting
                • Free Monthly Credit Score
                • Potential Credit Limit Increase After 6 Months
                • Prequalification Without a Hard Check
              • Cons:
                • High Annual Fee
                • Relatively Low Credit Limit
                • Foreign Transaction Fee
                • Monthly Maintenance Fee After the 1st year
                • High APR
              • Benefits:
                • $0 Fraud Liability;
                • Monthly reporting to the three major credit bureaus;
                • Possible credit limit increase after just six months;
                • Free Monthly Credit Score.
              View all Surge Mastercard® details
              Apply now
              On Celtic Bank‘s site
              Card detail
              Revvi MRV Banks
              Annual Fee:
              $75 for the first year $48 after *
              Regular APR:
              34.99% *
              Our Rating:
              4.1
              scorer
              Сredit score
              Rebuilding Credit to Fair (0-669)
              • Rewards Rate:
                • 1% Cash Back on payments made to your Revvi Credit Card. ^^
              • Issuer name:
                MRV Banks
              • Details:

                The Revvi Card is designed for people with poor credit or no credit.

                The Revvi Card comes with a 1% Cash Back on payments.

                The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 34.99%.

                Read full review

              • Pros:
                • No Foreign Transaction Fee
                • Cash Back
              • Cons:
                • Annual Fee
                • Extra Fees
              • Benefits:
                • 1% Cash Back Rewards;
                • Reports monthly to all three major credit bureaus;
                • Fast and easy application.
              View all Revvi details
              Apply now
              On the Revvi secure website
              Card detail

              WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

              Petal® 2 “Cash Back, No Fees” Visa® WebBank
              Annual Fee:
              $0
              Regular APR:
              15.24% - 29.24% Variable
              Our Rating:
              3.8
              scorer
              Сredit score
              No Credit History to Excellent (0-799)
              • Rewards Rate:
                • 1% - 1.5%:
                • Cash Back after making 12 on-time monthly payments.
                • 2% - 10%:
                • Cash Back from select merchants.
              • Issuer name:
                WebBank
              • Details:

                The Petal® 2 “Cash Back, No Fees” Visa® is a perfect example of “what you see is what you get.” You won’t pay any fees at all, period. And you’ll be getting an unsecured card, so you won’t have to plunk down a deposit. In addition, the issuer not only considers your credit score when determining approval — but also takes into account your income and bill payment history. You’ll start out earning 1% cash back on all purchases, and after you make 12 payments on time, you’ll start earning 1.5% cash back; you can also earn from 2% to 10% bonus cash back at specific merchants. You might even qualify for a credit limit of up to $10,000. The APR is from 15.24% - 29.24% variable.

              • Pros:
                • No fees of any kind
                • Credit limit up to $10,000
                • Money management tools available in the app
                • Easy to apply and easy approval
              • Cons:
                • No intro APR on purchases
                • No sign-up bonus
                • Not a good choice for rebuilding credit
              • Benefits:
                • No foreign transaction fee;
                • Petal 2 reports to all 3 major credit bureaus;
                • Qualify with average credit.
              View all Petal® 2 “Cash Back, No Fees” Visa® details
              Apply now
              On WebBank‘s site
              Card detail

              Celtic Bank Indigo® Mastercard® best for Unsecured

              Indigo® Mastercard® Celtic Bank
              Annual Fee:
              $0 - $99 annually
              Regular APR:
              24.9%
              Our Rating:
              3.7
              scorer
              Сredit score
              No Credit History to Fair (0-669)
                • Issuer name:
                  Celtic Bank
                • Details:

                  The Indigo® Mastercard® credit card provides a good option for those who have bad credit or no credit history.

                  The Indigo® Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

                  The Indigo® Mastercard® has a high APR of 24.9%.

                  During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

                  When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

                  Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

                  Read full review

                • Pros:
                  • No security deposit
                  • Quick and easy to apply
                  • Pre-qualification
                  • Fraud protection
                  • Has Mastercard ID Theft Protection
                • Cons:
                  • Low credit limit
                  • No rewards or one-time offers
                  • Foreign transaction fee
                • Benefits:
                  • A low foreign transaction fee of 1 percent;
                  • Choice of Card Image;
                  • Fraud Protection;
                  • 24/7 Account Access;
                  • Extended warranty coverage.
                View all Indigo® Mastercard® details
                Apply now
                On Celtic Bank‘s site
                Card detail
                Merrick Bank Double Your Line® Secured Mastercard®
                Annual Fee:
                $36 the first year. Billed $3 per month thereafter
                Regular APR:
                19.70% Variable
                Our Rating:
                3.98
                scorer
                Сredit score
                No Credit History to Fair (0-669)
                  • Issuer name:
                    Merrick Bank
                  • Details:

                    The Merrick Bank Double Your Line® Secured Mastercard® is a good card for people looking to build or rebuild credit.

                    The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

                    The APR for purchases is 19.70% (Variable).

                    Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

                    Read full review

                  • Pros:
                    • Double your credit limit
                    • Free monthly FICO Score access
                  • Cons:
                    • Annual Fee
                    • Foreign Transaction
                  • Benefits:
                    • $0 Fraud Liability;
                    • Double Your Line®;
                    • Reports to 3 Major Credit Bureaus.
                  View all Double Your Line® Secured Mastercard® details
                  Apply now
                  On Merrick Bank‘s site
                  Card detail
                  Total Visa® The Bank of Missouri
                  Annual Fee:
                  $164 for first year (including one-time program fee of $89) $48 annually *
                  Regular APR:
                  34.99% *
                  Our Rating:
                  3.32
                  scorer
                  Сredit score
                  Rebuilding Credit to Fair (0-669)
                    • Issuer name:
                      The Bank of Missouri
                    • Details:

                      The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

                      The Total Visa® сard's Regular APR is 34.99%. There is a one-time $89 program fee.

                      The Total Visa® сard allows you to choose your own card design.

                      Read full review

                    • Pros:
                      • No Foreign Transaction Fee
                    • Cons:
                      • Annual Fee
                      • High Regular APR
                      • No Intro APR period
                      • Extra Fees
                    • Benefits:
                      • $0 fraud liability;
                      • Reports monthly to all three major credit bureaus;
                      • Manageable monthly payments;
                      • Select your favorite card design for free.
                    View all Total Visa® Unsecured details
                    Apply now
                    On the Total Visa® Card secure website
                    Card detail
                    First Progress Platinum Prestige Mastercard® Secured Synovus Bank
                    Annual Fee:
                    $49 annually
                    Regular APR:
                    12.24% Variable
                    Our Rating:
                    3.8
                    scorer
                    Сredit score
                    No Credit History to Fair (0-669)
                      • Issuer name:
                        Synovus Bank
                      • Details:

                        The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

                        The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

                        The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 12.24% (Variable for purchases), 21.24% (Variable for cash advances).

                        First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

                        Read full review

                      • Pros:
                        • Low APR for Purchases
                        • No Minimum Credit Score Required
                        • Reports to Three Major Credit Bureaus
                        • Suitable Range of Credit Limit
                      • Cons:
                        • High Annual Fee
                        • High Transaction Fees on Cash Advance
                        • High Penalty Fees
                        • No Bonuses or Rewards
                        • Foreign Transaction Fees
                        • Unavailability of Card for Certain Geographies in the US
                      • Benefits:
                        • Accepted Nationwide;
                        • No Minimum Credit Score;
                        • No Credit History Required.
                      View all First Progress Platinum Prestige Mastercard® Secured details
                      Apply now
                      On First Progress’s site
                      Card detail
                      Double Your Line® Mastercard® Merrick Bank
                      Annual Fee:
                      $0 - $72 annually
                      Regular APR:
                      21.70% - 30.70% *Variable
                      Our Rating:
                      4.1
                      scorer
                      Сredit score
                      No Credit History to Excellent (0-799)
                        • Issuer name:
                          Merrick Bank
                        • Details:

                          The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

                          Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

                          The APR for purchases is 21.70% - 30.70% (Variable). The card's annual fee: $0 - $72 annually.

                          Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

                          Read full review

                        • Pros:
                          • Double your credit limit
                          • Free monthly FICO Score access
                        • Cons:
                          • Annual Fee
                          • Foreign Transaction Fee
                        • Benefits:
                          • $0 Fraud Liability;
                          • Double Your Line®;
                          • Exclusive Platinum Mastercard® Benefits.
                        View all Double Your Line® Mastercard® details
                        Apply now
                        On Merrick Bank‘s site
                        Card detail

                        The Bank of Missouri Milestone® Mastercard® best for Unsecured

                        Milestone® Mastercard® The Bank of Missouri
                        Annual Fee:
                        $35 - $99 Dependent on credit worthiness
                        Regular APR:
                        24.9%
                        Our Rating:
                        3.5
                        scorer
                        Сredit score
                        No Credit History to Fair (0-669)
                          • Issuer name:
                            The Bank of Missouri
                          • Details:

                            The Milestone® Mastercard® is a credit card for people with bad credit.

                            The Milestone® card's APR: 24.90% (Regular). Plus, the card has a cash advance APR of 29.90% and a penalty APR of 29.90%.

                            The credit limit for a Milestone® Mastercard® is $300.

                            Read full review

                          • Pros:
                            • Low application requirements
                            • No security deposit
                            • Low foreign transaction fee
                            • Reports to three major credit bureaus
                          • Cons:
                            • Annual fee
                            • Additional fees and high APR
                            • Low credit limit
                            • No rewards system
                          • Benefits:
                            • Fraud Protection;
                            • Credit Bureau Reporting;
                            • Extended warranty coverage;
                            • Mastercard Global Service;
                            • Easy Pre-Qualification;
                            • Full Mastercard Perks;
                            • 24/7 Account Management.
                          View all Milestone® Mastercard® details
                          Apply now
                          On The Bank of Missouri‘s site
                          Card detail
                          First Progress Platinum Elite Mastercard® Secured Synovus Bank
                          Annual Fee:
                          $29 annually
                          Regular APR:
                          22.24% Variable
                          Our Rating:
                          3.3
                          scorer
                          Сredit score
                          No Credit History to Fair (0-669)
                            • Issuer name:
                              Synovus Bank
                            • Details:

                              The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                              As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                              As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

                              The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

                              Read full review

                            • Pros:
                              • No credit history required
                              • No Minimum Credit Score needed
                              • Low Annual Percentage Rates
                              • It builds your Credit Score
                            • Cons:
                              • No option to graduate to an unsecured credit card
                              • Credit limit is equal to your deposit amount
                              • There is no Rewards program
                              • There are some area restrictions
                            • Benefits:
                              • No Minimum Credit Score;
                              • No Credit History Required;
                              • Accepted Nationwide.
                            View all First Progress Platinum Elite Mastercard® Secured details
                            Apply now
                            On First Progress’s site
                            Card detail

                            Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

                            Gold Preferred® Secured Visa® Applied Bank
                            Annual Fee:
                            $48 annually
                            Regular APR:
                            9.99% Fixed
                            Our Rating:
                            4.23
                            scorer
                            Сredit score
                            No Credit History to Poor (0-579)
                              • Issuer name:
                                Applied Bank®
                              • Details:

                                The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

                                The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

                                Read full review

                              • Pros:
                                • Lower than average APRs
                                • Theft Protection
                              • Cons:
                                • Annual Fee
                                • No Intro APR on purchases and balance transfer
                                • Foreign Transaction Fee
                                • No rewards
                              • Benefits:
                                • Reports to All Three National Credit Bureaus;
                                • Zero Fraud Liability;
                                • Refundable Security Deposit;
                                • Global acceptance;
                                • Emergency card replacement and cash disbursement.
                              View all Secured Visa® Gold Preferred® Credit Card details
                              Apply now
                              On Applied Bank®‘s site
                              Card detail
                              Unique Platinum
                              Annual Fee:
                              See website for details*
                              Regular APR:
                              0.00% Regular
                              Our Rating:
                              3.1
                              scorer
                              Сredit score
                              No Credit History to Poor (0-579)
                              • Rewards Rate:
                                • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                              • Details:

                                The Unique Platinum Card is a good option for people with bad credit or no credit.

                                With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

                                The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

                                The card is valid only at My Unique Outlet.

                                Read full review

                              • Pros:
                                • Unsecured credit line
                                • Instant approval
                              • Cons:
                                • Valid only at My Unique Outlet
                                • Minimum monthly payment
                              • Benefits:
                                • $1000 Credit Line;
                                • $25 in Reward Dollars;
                                • No Monthly Fee.
                              View all Unique Platinum details
                              Apply now
                              On Uniquecardservices‘s website
                              Card detail
                              Synovus Bank The First Latitude Platinum Mastercard® Secured Credit Card
                              Annual Fee:
                              $25 for the first year; after that $35.00 annually
                              Regular APR:
                              21.49% Variable
                              Our Rating:
                              1.22
                              scorer
                              Сredit score
                              No Credit History to Poor (0-579)
                                • Issuer name:
                                  Synovus Bank
                                • Details:

                                  The Synovus Bank First Latitude Platinum Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

                                  The First Latitude Platinum Mastercard® Secured charges an annual fee of $25 for first year; after that $35 annually. The APR for Purchases is 21.49% (26.49% for cash advances). These APRs will vary with the market based on the Prime Rate.

                                  Read full review

                                • Pros:
                                  • Available to people with limited credit history
                                • Cons:
                                  • Foreign Transaction Fee
                                  • Balance transfers are not available
                                • Benefits:
                                  • Choose a Credit Line Secured by Your Fully Refundable Deposit - from $100 to $2,000;
                                  • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
                                  • Quick and Easy Online Application.
                                View all First Latitude Platinum Mastercard® Secured details
                                Apply now
                                On Synovus Bank‘s site
                                Card detail
                                Secured Mastercard® Merrick Bank
                                Annual Fee:
                                $36 for first year. Billed $3 per month thereafter
                                Regular APR:
                                19.70% Variable
                                Our Rating:
                                3.2
                                scorer
                                Сredit score
                                No Credit History to Poor (0-579)
                                  • Issuer name:
                                    Merrick Bank
                                  • Details:

                                    The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

                                    The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

                                    The Card's APR: 19.70% Variable for purchases.

                                    The Secured Mastercard® credit card reports to all three major credit bureaus.

                                    Read full review

                                  • Pros:
                                    • Up to $3000 credit limit
                                    • Reports to three major credit bureaus
                                    • You don’t need a bank account to apply
                                    • Access to FICO score
                                    • Low APR
                                  • Cons:
                                    • No rewards or intro offers
                                    • $200 minimum deposit
                                    • Extra fees
                                    • $36 annual fee
                                  • Benefits:
                                    • Monthly Reporting to the 3 Major Credit Bureaus;
                                    • $0 Fraud Liability;
                                    • Low interest;
                                    • FICO® Score for Free Each Month.
                                  View all Secured Mastercard® details
                                  Apply now
                                  On Merrick Bank‘s site
                                  Card detail
                                  First Progress Platinum Select Mastercard® Secured Synovus Bank
                                  Annual Fee:
                                  $39 annually
                                  Regular APR:
                                  16.24% Variable
                                  Our Rating:
                                  3.5
                                  scorer
                                  Сredit score
                                  No Credit History to Fair (0-669)
                                    • Issuer name:
                                      Synovus Bank
                                    • Details:

                                      The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                                      The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                                      The card's APR: 16.24% (Variable for Purchases), 22.24% (Variable for Cash Advances).

                                      The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

                                      Read full review

                                    • Pros:
                                      • No credit history required
                                      • No Minimum Credit Score needed
                                      • Low Annual Percentage Rates
                                    • Cons:
                                      • Annual Fee
                                      • Foreign Transaction Fee
                                    • Benefits:
                                      • Accepted Nationwide;
                                      • No Minimum Credit Score;
                                      • No Credit History Required.
                                    View all First Progress Platinum Select Mastercard® Secured details
                                    Apply now
                                    On First Progress’s site
                                    Card detail

                                    WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

                                    Petal® 1 "No Annual Fee" Visa® WebBank
                                    Annual Fee:
                                    $0
                                    Regular APR:
                                    22.24% - 31.74% Variable
                                    Our Rating:
                                    4.34
                                    scorer
                                    Сredit score
                                    No Credit History to Good (0-739)
                                    • Rewards Rate:
                                      • 2% - 10%:
                                      • Cash Back at select merchants.
                                    • Issuer name:
                                      WebBank
                                    • Details:

                                      The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

                                      The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.24% to 31.74% (Variable).

                                      The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

                                      Read full review

                                    • Pros:
                                      • No Annual Fee
                                      • No Foreign Transaction Fee
                                    • Cons:
                                      • No welcome bonus
                                      • No intro APR period
                                    • Benefits:
                                      • 2 - 10% Cash Back;
                                      • Zero liability fraud protection;
                                      • $300 - $5,000 credit limits.
                                    View all Petal® 1 "No Annual Fee" Visa® details
                                    Apply now
                                    On WebBank‘s site
                                    Card detail
                                    Surge Secured Mastercard® Celtic Bank
                                    Annual Fee:
                                    $69 annually
                                    Regular APR:
                                    19.99% Variable
                                    Our Rating:
                                    3.3
                                    scorer
                                    Сredit score
                                    No Credit History to Poor (0-579)
                                    • Rewards Rate:
                                      • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                                    • Issuer name:
                                      Celtic Bank
                                    • Details:

                                      The Surge Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

                                      The card's APR: 19.99% (Variable).

                                      The Surge Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

                                      Read full review

                                    • Pros:
                                      • Cash Back rewards
                                      • Free automatic account reviews for credit limit increases
                                    • Cons:
                                      • Annual Fee
                                      • Foreign Transaction Fee
                                      • No welcome bonus
                                      • No Intro APR offer
                                    • Benefits:
                                      • 1% Cash Back Rewards;
                                      • Potential Credit Limit Increase;
                                      • Report to All 3 Major Credit Bureaus.
                                    View all Surge Secured Mastercard® details
                                    Apply now
                                    On Celtic Bank‘s site
                                    Card detail

                                    Celtic Bank Deserve® EDU Mastercard best for Cash Back, Without SSN, Student

                                    Deserve® EDU Mastercard Celtic Bank
                                    Annual Fee:
                                    $0
                                    Regular APR:
                                    20.99% Variable
                                    Our Rating:
                                    3.5
                                    scorer
                                    Сredit score
                                    No Credit History to Excellent (0-799)
                                    • Rewards Rate:
                                      • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                                    • Issuer name:
                                      Celtic Bank
                                    • Details:

                                      The Deserve® EDU Mastercard for Students is another card that does not use typical approval processes, instead taking into account things such as your college major, checking account information, and other nontraditional data. You don’t need a credit history or a Social Security number to apply. You won’t pay an annual fee, and you’ll get 1% cash back on all of your purchases, but there’s an 20.99% variable APR regardless of your creditworthiness. One nice perk is the Amazon Student Prime membership you’ll get for free for a year (after you spend $500 during the first three billing cycles), and you can also get up to a $5,000 credit limit.

                                    • Pros:
                                      • Nontraditional approval process
                                      • Good perks for students
                                      • No co-signer or security deposit
                                    • Cons:
                                      • No intro APR offer
                                      • Below average rewards program
                                      • Relatively high APR regardless of creditworthiness
                                    • Benefits:
                                      • Cellphone Protection;
                                      • Collision Damage Waiver;
                                      • Concierge Service;
                                      • No International Transaction Fees;
                                      • Priority Pass™ Membership;
                                      • Mastercard Benefits;
                                      • No Social Security Number required for international students to apply.
                                    View all Deserve® EDU Mastercard details
                                    Apply now
                                    On Celtic Bank‘s site
                                    Card detail

                                    Capital Bank OpenSky® Secured Visa® best for 18 year old

                                    Secured Visa® OpenSky®
                                    Annual Fee:
                                    $35 annually
                                    Regular APR:
                                    17.39% Variable
                                    Our Rating:
                                    3.82
                                    scorer
                                    Сredit score
                                    No Credit History to Good (0-739)
                                      • Issuer name:
                                        Capital Bank
                                      • Details:

                                        The OpenSky® Secured Visa® Credit Card does not require a credit check to apply, making it an easy choice if you happen to have made some financial mistakes along the way or have an insufficient credit history. You won’t earn rewards with this card but it has a reasonable, variable APR of 17.39%. You’ll need to make a security deposit from $200 to $3,000, which will define your credit limit. Auto rental insurance and $0 fraud liability are nice perks.

                                      • Pros:
                                        • No credit check to apply
                                        • Refundable deposit
                                        • Reports to all three credit bureaus
                                      • Cons:
                                        • $35 annual fee
                                        • No APR intro offer
                                      • Benefits:
                                        • No credit check necessary to apply;
                                        • Reports to three major credit bureaus;
                                        • Build credit quickly;
                                        • Doesn't require a bank account.
                                      View all OpenSky® Secured Visa® details
                                      Apply now
                                      On Capital Bank‘s site
                                      Card detail

                                      Discover Bank Discover it® Secured best for Cash Back, No Annual Fee, Young couples, For bad credit

                                      Discover it® Secured Discover Bank
                                      Annual Fee:
                                      $0
                                      Regular APR:
                                      22.99% Variable
                                      Our Rating:
                                      4.07
                                      scorer
                                      Сredit score
                                      No Credit History to Poor (0-579)
                                      • Rewards Rate:
                                        • 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter.
                                        • 1% Cash Back on all other purchases.
                                      • Intro Offer:
                                        • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year.
                                      • Balance Transfer APR:
                                        10.99% The APR for 6 months from date of first transfer 22.99% The APR after 6 months from date of first transfer
                                      • Issuer name:
                                        Discover Bank
                                      • Details:

                                        The Discover it® Secured Credit Card doesn’t come with an annual fee, and you can even make a profit after your first year with it because Discover matches the cash back you’ve earned during that time. The required security deposit is from $200 to $2,500, and your initial credit limit equals what you choose as your deposit amount. You’ll get an account review in eight months, and if you qualify, Discover will switch you to an unsecured card. You’ll earn 2% cash back on gas stations and restaurants up to $1,000 each quarter and 1% on everything else; at the end of your first year, Discover will match all of the cash back you earned. The Discover it® Secured card’s APR is 22.99% variable.

                                      • Pros:
                                        • Great rewards for a secured card
                                        • Cash back match for the first year
                                        • Free FICO score access
                                        • Automatically reviewed to convert to an unsecured card
                                      • Cons:
                                        • No intro APR offer
                                        • Higher APR than some other secured cards
                                        • Lower credit limit than some other secured cards
                                        • Not as widely accepted as Visa or Mastercard
                                      • Benefits:
                                        • Refundable security deposit;
                                        • $0 Fraud Liability;
                                        • No Foreign Transaction Fees;
                                        • 2% Cash Back at gas stations and restaurants;
                                        • 1% Cash Back on all other purchases;
                                        • Unlimited Cashback Match;
                                        • 99% nationwide acceptance.
                                      Card detail

                                      Discover Bank Discover it® Student Cash Back best for Student

                                      Discover it® Student Cash Back Discover Bank
                                      Annual Fee:
                                      $0
                                      Regular APR:
                                      12.99% - 21.99% Variable
                                      Our Rating:
                                      5
                                      scorer
                                      Сredit score
                                      No Credit History to Fair (0-669)
                                      • Rewards Rate:
                                        • 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter, such as Amazon, Grocery stores, Restaurants, Gas stations (on up to $1,500 in spending per quarter when you activate and 1% back on everything else).
                                        • 1% Cash Back on all other purchases.
                                      • Intro Offer:
                                        • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
                                      • Purchase Intro APR:
                                        0% Intro APR for 6 months from date of account opening
                                      • Balance Transfer APR:
                                        10.99% The APR for 6 months from date of first transfer 12.99% - 21.99% Variable
                                      • Issuer name:
                                        Discover Bank
                                      • Details:

                                        The Discover it® Student Cash Back card offers a 0% APR on purchases for the first six months, after which an APR of 12.99% - 21.99% is applied. This card offers good benefits along with a robust rewards program: Discover will reward you with 5% cash back on rotating categories for up to $1,500 per quarter (enrollment required) and 1% cash back on all other purchases as well as on rotating categories after spending limit is met; also the cash back you’ve earned during the first year will be matched. In addition, you will never pay a penalty APR or a fee for your first late payment, and there are no foreign transaction fees.

                                      • Pros:
                                        • Bonus rewards for rotating categories
                                        • Cash back match for the first year
                                        • No penalty APR or fee for first late payment
                                        • No foreign transaction fees
                                      • Cons:
                                        • Must keep track of rotating bonus categories
                                        • Cap of $1,500 per quarter on earning bonus cash back
                                        • Not as widely accepted as Visa or Mastercard
                                      • Benefits:
                                        • Good Grades Reward;
                                        • Free access to FICO score;
                                        • Designed just for students;
                                        • 5% Cash Back on everyday purchases, 1% Cash Back on all other purchases;
                                        • 24/7 U.S.-based customer service.
                                      Card detail

                                      Capital One® Secured Mastercard® best for Single mom, Without SSN

                                      Secured Mastercard® Capital One
                                      Annual Fee:
                                      $0
                                      Regular APR:
                                      26.99% Variable
                                      Our Rating:
                                      2.49
                                      scorer
                                      Сredit score
                                      No Credit History to Poor (0-579)
                                      • Balance Transfer APR:
                                        26.99% Variable
                                      • Issuer name:
                                        Capital One®
                                      • Details:

                                        The Capital One® Secured Mastercard® Credit Card does not have a rewards program. Still, its reasonable fees, low security deposit, and fast track to getting a higher credit line make it a good option for those who need to build credit. To get started, you’ll need to make a security deposit of $49, $99, or $200 (or more), and you’ll get an initial credit limit of $200. Your credit limit can be up to $1,000, depending on how much you put down. After six months of on-time payments, Capital One® will consider raising your credit limit. The 26.99% APR is high, but you won’t pay annual or foreign transaction fees, and you can qualify with a limited or bad credit history.

                                      • Pros:
                                        • No annual fee
                                        • $0 fraud liability
                                        • Emergency card services
                                        • Low entry security deposit possible based on creditworthiness
                                      • Cons:
                                        • No rewards program
                                        • 26.99% variable APR
                                        • Approval for no credit/bad credit customers
                                      • Benefits:
                                        • $0 Fraud Liability;
                                        • Refundable Deposit;
                                        • Capital One CreditWise;
                                        • Eno®, your Capital One assistant;
                                        • Virtual Card Numbers from Eno;
                                        • Emergency Card Replacement;
                                        • ATM Location Services;
                                        • MasterRental Coverage;
                                        • 24/7 Customer Service.
                                      Card detail

                                      Citi Secured Mastercard® best for First time applicants

                                      Secured Mastercard® Citi
                                      Annual Fee:
                                      $0
                                      Regular APR:
                                      22.49% Variable
                                      Our Rating:
                                      2.94
                                      scorer
                                      Сredit score
                                      No Credit History to Fair (0-669)
                                      • Balance Transfer APR:
                                        22.49% Variable
                                      • Issuer name:
                                        Citi
                                      • Details:

                                        The Citi Secured Mastercard® requires a security deposit of $200 to $2,500, and the amount you put down serves as your credit limit. After making payments on time for up to 18 months, you can upgrade to an unsecured card. This card doesn’t come with an annual fee but there’s a variable APR of 22.49%.

                                      • Pros:
                                        • No annual fee
                                        • $0 fraud liability on unauthorized charges
                                        • Identity theft assistance
                                      • Cons:
                                        • No rewards program
                                        • No APR intro offer
                                        • Foreign transaction fees and penalty APR of up to 29.99% variable
                                      • Benefits:
                                        • $0 Liability;
                                        • Digital Wallets.
                                      Card detail

                                      Lead Bank Self Visa® best for No history

                                      Self Visa® Lead Bank
                                      Annual Fee:
                                      $25 annually
                                      Regular APR:
                                      23.99% Variable
                                      Our Rating:
                                      0.41
                                      scorer
                                      Сredit score
                                      No Credit History to Poor (0-579)
                                        • Issuer name:
                                          Lead Bank
                                        • Details:

                                          The Self Visa® Credit Card is paired with a Self Credit Builder Account that can help you build credit without putting down a big security deposit. First, you have to apply for the account, which will get you a loan typically between $500 and $1,700. These funds will be held in a CD account and earn interest. Next, you make payments that you set for 12 to 24 months to pay off your loan. Once you’ve paid off your loan, you’ll have access to the total amount, less fees and any outstanding charges. Once you’ve set up your Credit Builder Account, paid at least $100 towards loan balance, made at least three monthly payments on time, and have the account in good standing, you automatically become eligible for the credit card.

                                        • Pros:
                                          • Build deposit over time while earning interest
                                          • Set your credit limit
                                          • Low fees
                                        • Cons:
                                          • No immediate access to credit
                                          • $25 annual fee
                                        • Benefits:
                                          • Your next tool for building credit;
                                          • No additional money up front;
                                          • Increase your credit limit.
                                        Card detail

                                        Short Review of Best Credit Cards For People With No Credit History

                                        NameBest forRewards RateAPRApply
                                        Transportation Alliance Bank The Mission Lane Visa®
                                        3.05
                                      • This card doesn't offer cash back, miles or points.
                                      • 26.99% - 29.99% VariableApply now
                                        On Transportation Alliance Bank‘s site
                                        The Bank of Missouri FIT Mastercard®
                                        3.9
                                        Unsecured
                                      • This card doesn't offer cash back, miles or points.
                                      • 29.99% VariableApply now
                                        On The Bank of Missouri‘s site
                                        Celtic Bank Reflex Mastercard®​
                                        3.8
                                        Unsecured
                                      • This card doesn't offer cash back, miles or points.
                                      • 24.99% - 29.99% VariableApply now
                                        On Celtic Bank‘s site
                                        The Bank of Missouri First Access Visa®
                                        4.2
                                      • This card doesn't offer cash back, miles or points.
                                      • 34.99%Apply now
                                        On The Bank of Missouri‘s site
                                        Merit Platinum
                                        3.8
                                      • This card doesn't offer cash back, miles or points.
                                      • NoneApply now
                                        On Meritplatinum‘s website
                                        Celtic Bank Surge Mastercard®
                                        3.2
                                        Walmart purchases
                                      • This card doesn't offer cash back, miles or points.
                                      • 24.99% - 29.99% VariableApply now
                                        On Celtic Bank‘s site
                                        MRV Banks Revvi
                                        4.1
                                      • 1% Cash Back on payments made to your Revvi Credit Card. ^^
                                      • 34.99% *Apply now
                                        On the Revvi secure website
                                        WebBank Petal® 2 “Cash Back, No Fees” Visa®
                                        3.8
                                        Beginner, No history
                                      • 1% - 1.5%:
                                      • Cash Back after making 12 on-time monthly payments.
                                      • 2% - 10%:
                                      • Cash Back from select merchants.
                                      • 15.24% - 29.24% VariableApply now
                                        On WebBank‘s site
                                        Celtic Bank Indigo® Mastercard®
                                        3.7
                                        Unsecured
                                      • This card doesn't offer cash back, miles or points.
                                      • 24.9%Apply now
                                        On Celtic Bank‘s site
                                        Merrick Bank Double Your Line® Secured Mastercard®
                                        3.98
                                      • This card doesn't offer cash back, miles or points.
                                      • 19.70% VariableApply now
                                        On Merrick Bank‘s site
                                        The Bank of Missouri Total Visa® Unsecured
                                        3.32
                                      • This card doesn't offer cash back, miles or points.
                                      • 34.99% *Apply now
                                        On the Total Visa® Card secure website
                                        Synovus Bank First Progress Platinum Prestige Mastercard® Secured
                                        3.8
                                      • This card doesn't offer cash back, miles or points.
                                      • 12.24% VariableApply now
                                        On First Progress’s site
                                        Merrick Bank Double Your Line® Mastercard®
                                        4.1
                                      • This card doesn't offer cash back, miles or points.
                                      • 21.70% - 30.70% *VariableApply now
                                        On Merrick Bank‘s site
                                        The Bank of Missouri Milestone® Mastercard®
                                        3.5
                                        Unsecured
                                      • This card doesn't offer cash back, miles or points.
                                      • 24.9%Apply now
                                        On The Bank of Missouri‘s site
                                        Synovus Bank First Progress Platinum Elite Mastercard® Secured
                                        3.3
                                      • This card doesn't offer cash back, miles or points.
                                      • 22.24% VariableApply now
                                        On First Progress’s site
                                        Applied Bank® Secured Visa® Gold Preferred® Credit Card
                                        4.23
                                        18 year old
                                      • This card doesn't offer cash back, miles or points.
                                      • 9.99% FixedApply now
                                        On Applied Bank®‘s site
                                        Unique Platinum
                                        3.1
                                      • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                                      • 0.00% RegularApply now
                                        On Uniquecardservices‘s website
                                        Synovus Bank First Latitude Platinum Mastercard® Secured
                                        1.22
                                      • This card doesn't offer cash back, miles or points.
                                      • 21.49% VariableApply now
                                        On Synovus Bank‘s site
                                        Merrick Bank Secured Mastercard®
                                        3.2
                                      • This card doesn't offer cash back, miles or points.
                                      • 19.70% VariableApply now
                                        On Merrick Bank‘s site
                                        Synovus Bank First Progress Platinum Select Mastercard® Secured
                                        3.5
                                      • This card doesn't offer cash back, miles or points.
                                      • 16.24% VariableApply now
                                        On First Progress’s site
                                        WebBank Petal® 1 "No Annual Fee" Visa®
                                        4.34
                                        For bad credit
                                      • 2% - 10%:
                                      • Cash Back at select merchants.
                                      • 22.24% - 31.74% VariableApply now
                                        On WebBank‘s site
                                        Celtic Bank Surge Secured Mastercard®
                                        3.3
                                      • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                                      • 19.99% VariableApply now
                                        On Celtic Bank‘s site
                                        Celtic Bank Deserve® EDU Mastercard
                                        3.5
                                        Cash Back, Without SSN, Student
                                      • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                                      • 20.99% VariableApply now
                                        On Celtic Bank‘s site
                                        Capital Bank OpenSky® Secured Visa®
                                        3.82
                                        18 year old
                                      • This card doesn't offer cash back, miles or points.
                                      • 17.39% VariableApply now
                                        On Capital Bank‘s site
                                        Discover Bank Discover it® Secured
                                        4.07
                                        Cash Back, No Annual Fee, Young couples, For bad credit
                                      • 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter.
                                      • 1% Cash Back on all other purchases.
                                      • 22.99% VariableLearn more
                                        Discover Bank Discover it® Student Cash Back
                                        5
                                        Student
                                      • 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter, such as Amazon, Grocery stores, Restaurants, Gas stations (on up to $1,500 in spending per quarter when you activate and 1% back on everything else).
                                      • 1% Cash Back on all other purchases.
                                      • 12.99% - 21.99% VariableLearn more
                                        Capital One® Secured Mastercard®
                                        2.49
                                        Single mom, Without SSN
                                      • This card doesn't offer cash back, miles or points.
                                      • 26.99% VariableLearn more
                                        Citi Secured Mastercard®
                                        2.94
                                        First time applicants
                                      • This card doesn't offer cash back, miles or points.
                                      • 22.49% VariableLearn more
                                        Lead Bank Self Visa®
                                        0.41
                                        No history
                                      • This card doesn't offer cash back, miles or points.
                                      • 23.99% VariableLearn more

                                        Who should apply?

                                        WebBank Petal® 2 “Cash Back, No Fees” Visa®

                                        The Petal® 2 “Cash Back, No Fees” Visa® card is designed for those who don’t have much credit history but prefer to have an unsecured card and not put down a deposit. Approval is most likely if you have an average credit score, but you can use income and bill payment history for consideration.

                                        Read more about WebBank Petal® 2 “Cash Back, No Fees” Visa®

                                        Celtic Bank Deserve® EDU Mastercard

                                        The Deserve® EDU Mastercard for Students could be a great solution if you are a student and don’t have any credit history or a Social Security number. You won’t earn outstanding rewards, but you’ll get some, plus you’ll receive some nice perks for students.

                                        Read more about Celtic Bank Deserve® EDU Mastercard

                                        Capital Bank OpenSky® Secured Visa®

                                        The OpenSky® Secured Visa® Credit Card is another choice for those with either no credit or bad to fair credit because there is no credit check required to apply, and typically it’s easy to get approved. The APR is relatively low, so if you’re someone who carries a balance, you might consider this card. If lower interest rates and fees mean more to you than having a rewards credit card, this could be a good fit.

                                        Read more about Capital Bank OpenSky® Secured Visa®

                                        Discover Bank Discover it® Secured

                                        For someone with no credit and who spends mainly on gas and restaurants, the Discover it® Secured Credit Card helps build your credit profile and reward for your spending. It has a good rewards program, and you’ll get reviewed for an upgrade to the unsecured card and higher credit limit in eight months. If you can afford the minimum $200 deposit, this could be just the ticket.

                                        Read more about Discover Bank Discover it® Secured

                                        Discover Bank Discover it® Student Cash Back

                                        Students with no credit should consider the Discover it® Student Cash Back card because it will help them build credit and earn good rewards. It’s also a good choice for those students planning on making large purchases due to the 0% APR offer. If you prefer cash back instead of points or miles and don’t mind keeping track of rotating bonus categories, this one is worth considering.

                                        Read more about Discover Bank Discover it® Student Cash Back

                                        Capital One® Secured Mastercard®

                                        The Capital One® Secured Mastercard® Credit Card is a sound starter card for those who want to build or rebuild credit. It’s also a solid choice for those who typically don’t carry a balance due to its high APR and those who don’t really care about rewards.

                                        Read more about Capital One® Secured Mastercard®

                                        Citi Secured Mastercard®

                                        The Citi Secured Mastercard® works if you have limited or nonexistent credit and want a basic card that will help you build a long-term history. It’s also a good choice for those who want the option to graduate to an unsecured card, but it can take some time.

                                        Read more about Citi Secured Mastercard®

                                        Lead Bank Self Visa®

                                        The Self Visa® Credit Card might be a match if you’re serious about building credit and want to build your security deposit rather than put it down upfront. You can also qualify for the credit card without going through a credit check once you’re eligible. So if you have patience and can wait for the actual credit card, this could be the one for you. Additionally, you start building your credit by setting up a Credit Builder Account even before you’re approved for the credit card.

                                        Read more about Lead Bank Self Visa®

                                        What do you need to get a credit card without credit?

                                        You can still get a credit card without any credit. However, you will need to look at starter cards, such as secured credit cards and student cards designed for those light in the credit department. Just keep in mind that you’ll need to put down a security deposit for a secured card.

                                        If you apply for a card, you’ll usually need to provide your Social Security or individual taxpayer identification number, identify your income source(s), and provide information on your monthly housing or rent payment.

                                        You can also ask a friend or family to become an authorized user on their account — your name will be on the account, but the cardholder will be responsible for payments. It’s best to ask someone to do this if they have a long and healthy payment record with the card.

                                        How to build your credit with no or little credit

                                        There are plenty of ways to build your credit if you don’t have much or any already. If you get a secured card, leave your security deposit alone and pay off your card in full each month. Once you’ve established some history, you might consider switching from a secured card to an unsecured one. And as discussed, student cards are another great way to build credit.

                                        You could apply for a retail card from your favorite department store, which is generally very easy to get approved. Don’t overspend on the card, and again, pay off the entire bill each month — as all your activity will be reported to the credit bureaus.

                                        In addition, you might consider applying for a credit builder loan, which is designed particularly to raise your credit score. The lender gives you a loan, puts it into an account, reports to the credit bureaus, and gives you back the money once you’ve paid it off.

                                        Why is building a credit history important?

                                        Having a good credit history is crucial for many things you’ll want to do in life. You’ll need it if you want to get approved for a mortgage or a car loan or apply for an advanced credit card. You’ll need solid credit if you want to rent an apartment, get cable service or hook up utilities without a security deposit. And sometimes, a prospective employer will even check your score before offering you the job. In short, having a good credit history is essential for your financial future.

                                        How to compare credit cards for people with no history

                                        Just because you don’t have any credit history doesn’t mean you don’t have credit card options. You’ll want to compare the things you’d compare even if you had a credit history. It’s always best to look for a card with no annual fee and a low interest rate. After that, compare the rewards and perks of each card to see what best fits your spending habits. Combine these features to figure out which card suits your needs best.

                                        Where to get a credit card with no credit?

                                        You can find student and secured credit cards from many issuers. Use this guide to explore eight good choices, then compare features and make an individualized decision.

                                        What’s the best credit card for people with limited or no credit?

                                        There is no one best credit card for people with limited or no credit. The best credit card is one that checks most of your boxes and works with your financial habits and goals.

                                        Are there any instant approval credit cards for people with no credit?

                                        Yes: Two of the cards on this list offer instant approval for people with no credit, the OpenSky® Secured Visa® Credit Card and the Self Visa® Credit Card.

                                        Secured vs. unsecured cards for no credit

                                        If you don’t have credit, it’s definitely easier to get a secured card but not impossible to get an unsecured one. If you’re light on cash for the security deposit most secured cards require, you might want to try for an unsecured one. Both cards will work for building credit, but if you have any issues managing money, you should consider a secured one because it can help you not to overspend and get into debt.

                                        FAQ

                                        What are other credit cards to consider for someone with no credit?

                                        Some other cards to consider if you don’t have credit include:
                                        • Capital One® Journey Student Credit Card
                                        • Chime Credit Builder Visa® Card
                                        • Discover it® Student chrome
                                        • Bank of America® Travel Rewards Credit Card for Students
                                        • BankAmericard® Secured Credit Card
                                        • U.S. Bank Secured Visa® Card

                                        How old do you have to be to get a credit card?

                                        The legal age to sign up for a credit card in the U.S. is 18. However, authorized users younger than 18 can be added on the card, depending on the issuer.

                                        How long does it take to get a credit score?

                                        If you have no credit, it doesn’t take long to build it. According to the credit bureau Experian, “most credit scoring systems require at least three months of history in order to calculate a score, and some may require more.”

                                        Does a credit check affect my score?

                                        A “soft” credit inquiry does not affect your credit score. Examples of soft inquiries include a prospective landlord or employer running a check or a lender doing one to pre-approve you for an offer. A “hard” inquiry, on the other hand, can temporarily lower your score by a few points and is visible to other lenders. Examples of hard inquiries include a lender — such as a car dealership or mortgage company —or credit card issuer pulling your credit report when making the decision to approve you.
                                        Hanna VolkavaHanna Volkava

                                        Financial and product expert

                                        hv@myfin.us
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