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Credit Cards for No CreditCredit cards for limited or no credit are generally for those who have limited credit, lack an established credit history and have never had a credit card, loan, or other line of credit their name. Note that FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, your credit score alone does not guarantee or imply approval for any particular credit card offer. Below you will find our most popular credit card offers for people with limited or no credit.

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Editor’s choice

  • Capital One® Platinum Credit Card

    ANNUAL FEE
    $0 intro for first year; $19 after that

    APR
    24.9%* Variable

    Credit Needed: Fair Credit

    • Start with a $0 intro annual fee for the first year; $19 after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account - even from your smartphone with our mobile app
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    24.9%* Variable

    Annual Fee

    $0 intro for first year; $19 after that*

    Credit Needed

    Fair Credit*

  • Horizon Gold Credit Card

    INTRO APR
    0.00%

    APR
    0.00%*

    Credit Needed: Bad Credit

    • $500 Credit Limit!
    • Guaranteed Approval.
    • No Credit Check.
    • Always 0.0% APR!
    • Fast Online application.
    • No employment check.

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    0.00%*

    Annual Fee

    N/A

    Credit Needed

    Bad Credit*

  • First Progress Platinum Select Secured MasterCard

    ANNUAL FEE
    $39

    APR
    14.99% (variable)*

    Credit Needed: Bad Credit

    • 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
    • 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 $300 -- $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

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    14.99% (variable)*

    Annual Fee

    $39*

    Credit Needed

    Bad Credit*

  • First Progress Platinum Elite MasterCard® Secured Credit Card

    ANNUAL FEE
    $29

    APR
    19.99% (variable)*

    Credit Needed: Bad Credit

    • 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
    • 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 $300 -- $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

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    19.99% (variable)*

    Annual Fee

    $29*

    Credit Needed

    Bad Credit*

  • primor® Secured MasterCard Gold Card

    ANNUAL FEE
    $49

    APR
    9.99%*

    Credit Needed: Bad Credit

    • Fast, easy application process
    • NO PROCESSING OR APPLICATION FEES!
    • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
    • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
    • Guaranteed Approval*
    • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!
    • *See application for additional details

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    9.99%*

    Annual Fee

    $49*

    Credit Needed

    Bad Credit*

  • Fingerhut® Credit Account

    INTRO APR
    24.90%

    APR
    24.90%*

    Credit Needed: Bad Credit

    • Shop Great Brands at Fingerhut.com
    • Choose From Over 150,000 items
    • Budget Friendly Payments with Fingerhut Credit!
    • Apply for Fingerhut Credit today. Fill out our easy online application.

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    24.90%*

    Annual Fee

    $0*

    Credit Needed

    Bad Credit*

  • Capital One® Secured MasterCard®

    ANNUAL FEE
    $29

    APR
    22.9%* Variable

    Credit Needed: Limited Credit

    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness-no additional deposit required
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • It’s a credit card-accepted at millions of locations worldwide

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    22.9%* Variable

    Annual Fee

    $29*

    Credit Needed

    Limited Credit*

  • Capital One® QuicksilverOne® Cash Rewards Credit Card

    INTRO BT
    0%*

    for 0%*-until September 2015

    APR
    22.9%* Variable

    Credit Needed: Fair Credit

    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories and no sign ups needed to earn cash rewards
    • Redeem the cash back you earn for any amount, any time
    • Cash back doesn’t expire and there’s no limit to how much you can earn
    • 0% intro APR on purchases until September 2015; 22.9% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen

    Intro APR Purchases

    0%*-until September 2015

    Into APR Balance Transfer

    0%*-until September 2015

    Regular APR

    22.9%* Variable

    Annual Fee

    $39*

    Credit Needed

    Fair Credit*

  • Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included

    INTRO APR
    17.90%-23.90% (Variable)*

    APR
    17.90% - 23.90% (Variable)*

    Credit Needed: Bad Credit

    • Keep an eye on your credit information with free online monthly credit score tracking
    • Pre-Qualifying for our card is easy, fast and won't affect your credit score
    • Email or text alerts to remind you when your payment is due
    • Automatic reviews for credit line increase opportunities     

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    17.90%-23.90% (Variable)*

    Annual Fee

    $35-$99*

    Credit Needed

    Bad Credit*

  • primor® Secured MasterCard Classic Card

    ANNUAL FEE
    $39

    APR
    13.99%*

    Credit Needed: Bad Credit

    • Fast, easy application process
    • NO PROCESSING OR APPLICATION FEES!
    • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
    • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
    • Guaranteed Approval*
    • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
    • *See application for additional details

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    13.99%*

    Annual Fee

    $39*

    Credit Needed

    Bad Credit*

related offers

  • Lexington-law-firm
    Credit repair

    LEXINGTON LAW

    • Call Now for a Free Credit Analysis: 1-855-382-3441
    • Leading provider of credit repair services
    • Over 1/2 million clients served in 18 years
    • Only credit repair agency to publish all client results
    • Average reporting clients see 85% of negative items removed
  • Clicknloan_logo
    Personal loan

    $100-$10,000

    Click-n-Loan - Loans $100 - $10,000+

    • Loans from $100 – $10,000+
    • Repayment Terms up to 60 months!
    • Get your cash as fast as tomorrow
    • * APR between 4.999% & 35.80%
  • Usc_logo_2
    Personal loan

    $100- $35,000

    UnitedStatesCredit.com - Personal Loans $100 - $35,000

    • Unsecured Personal Loans from $100-$35,000
    • Good, Bad and No Credit Welcome!
    • Get cash in as little as 24 hours.
    • Lower Interest rates.
    • Loans for any purpose.
    • No collateral, no problem.
    • Bankruptcy is NO problem!

Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.

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