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Publications featuring LendingTree experts this month
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
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $0
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Welcome OfferN/A
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Rewards RateNon-rewards Card
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card now comes with no annual fee, making it one of the few secured cards without it. Capital One Platinum Secured Credit Card is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
Our Take
The Good
With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.
The Not So Good
The APR is 29.74% (Variable). You also have to put forth a security deposit in order to get this card.
Card Details
- 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 at least 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 may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $75.00 1st year, $48.00 after*
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Welcome OfferNone
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Rewards Rate1% cash back
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The First Digital Mastercard® could be a stepping stone for those desperately seeking to rebuild credit and who might find themselves with limited options due to their credit history.
Our Take
The Good
The First Digital Mastercard® offers a chance to access credit and potentially improve credit scores by reporting monthly payments to the three major credit bureaus. Its relatively quick and easy application process is also a plus, providing an accessible route for those looking to rebuild their credit.
The Not So Good
This card comes with an initial setup fee, annual fee, and monthly service fee after the first year, which can significantly increase the overall cost of having the card. Additionally, it has a high APR on purchases, making it expensive for cardholders who carry a balance.
Card Details
- 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
- Annual Fee $0
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Welcome OfferN/A
-
Rewards RateNon-rewards Card
- Credit Needed Limited / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
If you have fair credit then this card gives you a way to enjoy the perks and features of a Mastercard, despite your less than stellar credit. The interest rate is pretty high, but there is no annual fee, and you have access to some helpful account management tools.
Our Take
The Good
The good thing about this particular card is that it allows someone to have a genuine Mastercard when they do not really have great credit. It's a great first-time credit card.
The Not So Good
The interest rate is high and if you carry a balance that can get really expensive, really fast. You should pay your balance in full each month with this card because of the 29.74% (Variable) APR.
Card Details
- 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 may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $75 - $125
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Welcome OfferN/A
-
Rewards RateNon-rewards card
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
If you're a consumer with a low credit score, it might be worth seeing if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
Our Take
The Good
This card helps you build credit by reporting your timely payments to the three major credit bureaus. It also gives you $0 liability for fraudulent charges, which is a nice added feature.
The Not So Good
Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees — the card charges an annual fee between $75 - $125, as well as a maintenance fee up to per month. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.
Card Details
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Annual Fee $49
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Welcome OfferNo bonus
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Rewards Rate1% cash back
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The First Progress Platinum Prestige Mastercard can help those who do not have sufficient credit to get a standard credit card. Though the card does require you to put in a security deposit (acting as the "limit" on the card), the payments you make toward it are reported to the credit bureau.
Our Take
The Good
The main benefit of this credit card is that it gives you a chance to build your credit just by spending your own money. Rather than paying cash for the things you need, you can pay with your card and then pay back the balance.
The Not So Good
You have to pay an annual fee of $49 for this card, on top of putting down a security deposit to act as your available balance.
Card Details
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Annual Fee $39
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Welcome OfferN/A
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Rewards Rate1% Cash Back
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$57
-
Est. First Year Rewards
$678
The Bottom Line
The First Progress Platinum Select Mastercard® Secured Credit Card is an average secured card that can be used anywhere Mastercard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.
Our Take
The Good
Card holders will enjoy a 25 day grace period before having to pay interest on purchases.
The Not So Good
This card is somewhat limited in scope, but if your goal is to boost your credit we think it can be valuable.
Card Details
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Annual Fee $59
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Welcome OfferNone
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Rewards RateNon-rewards card
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card is a solid choice for consumers who don't want to put down $200 or more as a security deposit on a secured credit card.
Our Take
The Good
The annual fee is fairly low compared to other cards. Plus you'll pay no foreign transaction fees.
The Not So Good
The APR is quite high, so if you don't pay off your balance in full each month you could rack up steep interest charges.
Card Details
- 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
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
- Annual Fee $36 for first year. Billed $3 per month thereafter
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Welcome OfferNone
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Rewards RateNon-rewards card
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card is designed for people who want to build or rebuild their credit. When used responsibly, this secured card could be a valuable tool to improve your credit and allow you to then get a better card. Monitor progress in your FICO® Score each month for free.
Our Take
The Good
As long as you don’t have a pending bankruptcy or outstanding tax obligations you may be approved for this card.
The Not So Good
Other cards may review your account earlier than one year to see if you can transition to an unsecured credit line.
Card Details
- 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.
- Annual Fee $0
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Welcome OfferN/A
-
Rewards Rate10% cash back
- Credit Needed Limited / Poor / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
The OpenSky® Plus Secured Visa® Credit Card is a practical choice for those looking to improve their credit score.
Our Take
The Good
The OpenSky® Plus Secured Visa® Credit Card stands out for its accessibility to consumers with poor or no credit history, offering them a chance to build or rebuild their credit through responsible use without requiring a credit check. Furthermore, it reports to all three major credit bureaus, which can aid in rapidly improving credit scores when managed wisely.
The Not So Good
Despite its benefits for credit building, the OpenSky® Plus Secured Visa® Credit Card requires a refundable security deposit, which could be a financial hurdle for some applicants.
Card Details
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
*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.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.