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 29.99% (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
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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 29.99% (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
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.
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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.

  • 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.
  • Credit Needed Limited

Highlights

  • Firstcard users are eligible to apply for Firstcard's $10,000 Student Scholarship.The application deadline is September 30. Don't miss this opportunity – apply here.
  • 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.
  • 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 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% (Variable)
  • 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 Experian* (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% (Variable)
  • 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 Capital Bank, N.A.'s secure site

OpenSky® Plus Secured Visa® Credit Card
 

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  • Rewards Rate Up to 10% cash back* rewards on purchases at over 40,000 retailers
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on Capital Bank, N.A.'s secure site


  • Rewards Rate Up to 10% cash back* rewards on purchases at over 40,000 retailers

  • Rebuild Credit 2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
  • 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

  • New feature! Earn up to 10% cash back* on everyday purchases
  • 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • 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
  • Offers 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 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
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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% (Variable)
  • 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.
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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 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
Zable MasterCard® Credit Card
 

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  • Rewards Rate Non-rewards card
  • Rewards Rate Non-rewards card

  • Build Credit Great for those wanting to take control of their credit journey.
  • Purchase and BT APRs 26.99% - 33.99%* (variable periodic rate) on purchases and balance transfers
  • Check Before You Apply Check if you are eligible before you apply, with no impact to your credit score.**
  • Credit Needed Limited / Poor

Highlights

  • No security deposit or program fee required to be approved for a card or use the card.
  • Security: enjoy $0 liability on unauthorized purchases*.
  • Reports to all 3 credit bureaus so it's great for those wanting to build up credit history with on time payments.
  • You’ll be issued a virtual card so you can start spending online right away. You’ll still get a physical card. 
  • Intuitive and sleek mobile app. Access your account online or from your mobile device 24/7.
  • Check Before You Apply. Check if you are eligible before you apply, with no impact to your credit score**.
  • Customers love them: Zable is rated excellent on Trustpilot.
  • Widely Accepted. Use your card anywhere Mastercard is accepted, globally.
  • Quick Online Application. The application process is super simple and fast.
  • Mastercard ID Theft Protection: monitors the dark web and provides alerts on compromised credentials and personal information.
  • ATM fees may apply and can vary based on the bank, the type of account, and the location.
  • Zable products requirements are subject to change without notice based on market conditions.
  • *Subject to the “Your Billing Rights” section of the Zable MasterCard Credit Card Cardholder agreement.
  • **There is no impact to your credit score, but if you choose to complete your application, a hard credit pull will be conducted which may impact your credit score.
  • Terms and Conditions Apply.
*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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