Rated 2.5/5 stars by our editorial team
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2.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!
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Easy Application
Fast and easy application process; results in seconds.
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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.
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Pre-Qualification
See if you’re Pre-Qualified with no impact to your credit score.
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Typical Credit Needed
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Annual Fee
See Terms
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- 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
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
See additional details for Reflex Mastercard®
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Improve Your Credit Score
Free Credit Bureau Reporting
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Credit Line
$200 - $2,000 Credit Line*
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Regular Purchase APR
9.99%
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Typical Credit Needed
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Annual Fee
$49
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See additional First Progress Platinum Prestige Mastercard® Secured Credit Card details
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card
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Cash Back
Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back from select merchants
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Build Credit
Those with thin to no credit file can be accepted based on Cash Flow underwriting alone. Petal reports to all 3 major credit bureaus.
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No Fees Of Any Kind
No late fee, foreign transaction fee, or annual fee.
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
See additional details for Petal® 2 Cash Back, No Fees Visa® Credit Card
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Improve Your Credit Score
Free Credit Bureau Reporting
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Credit Line
$200 - $2,000 Credit Line*
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Regular Purchase APR
19.99% Variable
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Typical Credit Needed
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Annual Fee
$29
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See additional First Progress Platinum Elite Mastercard® Secured Credit Card details
See additional details for First Progress Platinum Elite Mastercard® Secured Credit Card
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Cash Back
Earn 2% to 10% cash back from select merchants
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Build Credit
Cash flow technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
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Credit Limit
$500 - $5,000 credit limits. No deposits required.
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- $0 Annual Fee
- 2% - 10% cash back from select merchants
- $500-$5,000 credit limits
- Variable APRs 19.99-29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
See additional details for Petal® 1 No Annual Fee Visa® Credit Card
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Apply Online
Fast and easy application process
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No Hidden Fees
No deposit required and no penalty APR
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Regular APR
25.99% Variable
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Typical Credit Needed
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Annual Fee
$39
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Card Brand
Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
See additional details for AvantCard Credit Card
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Improve Your Credit Score
Free Credit Bureau Reporting
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Credit Line
$200 - $2,000 Credit Line
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Regular Purchase APR
13.99%
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Typical Credit Needed
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Annual Fee
$39
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See additional First Progress Platinum Select Mastercard® Secured Credit Card details
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card
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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.
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Build Credit
Build up your Credit with a card that reports to all three major credit bureaus every month.
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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).
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Typical Credit Needed
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Annual Fee
See Terms*
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Build up your Credit with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application – it just takes moments to apply Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Issued by Synovus Bank, Member: FDIC
- See additional First Digital NextGen Mastercard® Credit Card details
See additional details for First Digital NextGen Mastercard® Credit Card
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Rewards Rate
1% unlimited cash back on ALL purchases
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Extra Perks
Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
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Boost Your Credit Score
Build a positive credit history with responsible use
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
See additional details for Deserve® EDU Mastercard for Students
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Credit Line
Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
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Fraud Liability
$0 fraud liability for unauthorized charges.
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Worldwide Acceptance
Use it anywhere Visa is accepted.
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Typical Credit Needed
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Annual Fee
$36 for the first year. Billed $3 per month thereafter.
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
- Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
See additional details for Merrick Bank Secured Visa® Credit Card
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Credit Line
$200, which doubles to $400 if you qualify
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Regular Purchase APR
17.45% Variable
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Build Credit
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.
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Typical Credit Needed
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Annual Fee
$36 the first year. Billed $3 per month thereafter
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
- 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.
- 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 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
See additional details for Merrick Bank Double Your Line™ Secured Visa®
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Purchase APR
17.39% (variable)
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Build Credit
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
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Credit Line
$200 - $3,000 Credit Line*
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Typical Credit Needed
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Annual Fee
$35
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
See additional details for OpenSky® Secured Visa® Credit Card
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Build Your Credit
Monthly reporting to the three major credit bureaus
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Perks and Features
Auto Pay can help you stay on top of your bill
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Worldwide Acceptance
Use your card anywhere that accepts Mastercard®
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
- Use your card anywhere Mastercard® is accepted — worldwide.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
- Get help staying on track with Auto Pay and account alerts.
- With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
- Manage your account 24/7 online, by phone, or in our mobile app.
- The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.
See additional details for Citi® Secured Mastercard®
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Credit Cards for People with No Credit
Even if you are good at managing money and always pay your bills on time you may have limited or no credit history. That can be a problem, though, because credit card companies and banks want to see a track record in order to predict whether or not you’ll be a good customer and won’t abuse your card or procrastinate when it is time to make a minimum payment.
Having a limited credit history can be a frustrating situation because you have limited options available to you in order to demonstrate your credit worthiness. You are stuck in a classic “Catch-22” situation. The good news is that there are credit card companies that will issue credit cards for no credit history individuals. These no credit credit cards are reviewed and summarized in this section so that you can browse through them and find one you like.
Once you get approved you can start building a credit history by making sure that the card you have chosen reports your payment history to the “big three” credit reporting agencies on a regular basis. By using the card responsibly you’ll soon establish a verifiable track record and your credit rating will go up along with your credit score. Then you’ll no longer have to rely solely upon “no credit history” credit cards and can “upgrade” to a credit card product with lower interest rates and which offer reward programs.