Credit Cards for People with No Credit | LendingTree

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

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on Capital One's secure site

Capital One Platinum Credit Card
 

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  • Rewards Rate Non-rewards Card
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on Capital One's secure site


  • Rewards Rate Non-rewards Card

  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee $0
  • Regular Purchase APR 30.74% (Variable)
  • Credit Needed Limited/Fair

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
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Firstcard® Credit Builder Card with Cashback for College Students
 

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  • Rewards Rate Get up to 10% Random Cashback on all qualifying purchases. Earn up to 15% cashback across 29,000 select campus merchants. Earn an additional 1% Unlimited Cashback with Firstcard+ on all purchases on top of the two cashback offerings, and earn an additional 2% Cashback on Cafes and Restaurants through February 29, 2024.
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on Firstcard's secure site


  • Rewards Rate Get up to 10% Random Cashback on all qualifying purchases. Earn up to 15% cashback across 29,000 select campus merchants. Earn an additional 1% Unlimited Cashback with Firstcard+ on all purchases on top of the two cashback offerings, and earn an additional 2% Cashback on Cafes and Restaurants through February 29, 2024.

  • Rates & Fees 0% APR on purchases and no annual fee, late fees, overdraft fees, or foreign exchange fees
  • Build Credit & Savings When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 1.25% APY on the money in your Firstcard
  • Rewards Get up to 10% Random Cashback on all qualifying purchases. Earn up to 15% cashback across 29,000 select campus merchants. Earn an additional 1% Unlimited Cashback with Firstcard+ on all purchases on top of the two cashback offerings, and earn an additional 2% Cashback on Cafes and Restaurants through February 29, 2024.
  • Credit Needed Limited

Highlights

  • Start building your credit score early without worrying about overspending – what you deposit is what you can spend.
  • No credit history required to open a credit card.
  • No annual fee, no account minimum, no interest, and no overdraft fee.
  • Accept international students without an SSN.
  • Earn 1.25% APY with Firstcard or 4.25% APY with Firstcard+ on the money in your Firstcard.
  • Get up to 15% Merchant Cashback at 29,000 partner merchants
  • Get up to 10% Random Cashback on all qualifying purchases
  • Earn an additional 1% Unlimited Cashback with Firstcard+ on all purchases on top of the two cashback offerings (Merchant Cashback and Random Cashback) all Firstcard members are currently enjoying.
  • Earn an additional 2% Cashback on Cafes and Restaurants through February 29, 2024.
  • Sign-up bonus: Earn $10 when you spend $30 in the first 30 days.
  • Monitor your credit score right in the app with Firstcard+
  • Instant access to your virtual Firstcard once your account is approved and you add your virtual card to your phone’s digital wallet.
  • Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government).
  • Disclosures
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on Capital One's secure site

Capital One Platinum Secured Credit Card
 

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  • Rewards Rate Non-rewards Card
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on Capital One's secure site


  • Rewards Rate Non-rewards Card

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 30.74% (Variable)
  • Credit Needed Limited/Poor

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
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
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on First Digital's secure site

First Digital Mastercard®
 

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  • Rewards Rate 1% Cash Back
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on First Digital's secure site


  • Rewards Rate 1% Cash Back

  • 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).
  • Credit Needed Limited/Poor/Fair

Highlights

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history 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.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details
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on First Progress's secure site

First Progress Platinum Select Mastercard® Secured Credit Card
 

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  • Rewards Rate 1% Cash Back
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on First Progress's secure site


  • Rewards Rate 1% Cash Back

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line
  • Regular Purchase APR 19.24% (V)
  • Credit Needed Limited/Poor

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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on Continental Finance's secure site

Reflex® Platinum Mastercard®
 

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  • Rewards Rate Non-rewards card
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on Continental Finance's secure site


  • Rewards Rate Non-rewards card

  • 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.
  • Credit Needed Limited/Poor/Fair

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • 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
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on First Progress's secure site

First Progress Platinum Prestige Mastercard® Secured Credit Card
 

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  • Rewards Rate 1% Cash Back
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on First Progress's secure site


  • Rewards Rate 1% Cash Back

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 15.24% (V)
  • Credit Needed Limited/Poor

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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on Merrick Bank's secure site

Merrick Bank Secured Credit Card
 

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  • Rewards Rate Non-rewards card
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on Merrick Bank's secure site


  • Rewards Rate Non-rewards card

  • 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.
  • Credit Needed Limited/Poor

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.
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on Capital Bank, N.A.'s secure site

OpenSky® Plus Secured Visa® Credit Card
 

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  • Rewards Rate None
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on Capital Bank, N.A.'s secure site


  • Rewards Rate None

  • Rebuild Credit 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Security Deposit Make smaller partial payments towards funding your security deposit over 60 days
  • Flexible Due Dates Choose any available due date that fits your payment schedule
  • Credit Needed Limited/Poor

Highlights

  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
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on Avant's secure site

AvantCard Credit Card
 

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  • Rewards Rate Non-rewards card
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on Avant's secure site


  • Rewards Rate Non-rewards card

  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 35.99%
  • Credit Needed Limited/Poor/Fair

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
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on First Progress's secure site

First Progress Platinum Elite Mastercard® Secured Credit Card
 

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  • Rewards Rate Non-rewards card
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on First Progress's secure site


  • Rewards Rate Non-rewards card

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 25.24% (V)
  • Credit Needed Limited/Poor

Highlights

  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*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.
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