Advertiser Disclosure

Credit Cards for Limited Credit

Consumers with short credit histories often have low credit scores and face the greatest challenges getting their credit card applications approved. If you have no credit history or bad credit, then you’re well aware of how difficult it can be to become qualified for a credit card. Fortunately, there are limited credit history credit cards available even if you’re in this situation, and you’ll be able to use the opportunity to gradually build your credit history over time.  Negative marks won’t stay on your credit report forever. A few steps for building credit history are: apply for a manageable credit limit credit card, avoid missed payments to your creditors and establish diverse credit. Below we’ve shared the best credit cards you can use to build up a strong credit history, irrespective of your past financial mistakes. 

Netspend® Visa® Prepaid Card

Netspend® Visa® Prepaid Card

Netspend® Visa® Prepaid Card

Apply Now
  • With Netspend Direct Deposit, you can get paid faster than a paper check
  • No late fees or interest charges because this is not a credit card.
  • Use the Netspend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Get your tax refund direct deposited to your account and no more waiting in line to cash your check!
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$9.95
Recommended Credit
No Credit Check
Apply Now
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$9.95
monthly*
Apply Now
No Credit Check

Benefits & Key features

  • With Netspend Direct Deposit, you can get paid faster than a paper check
  • No late fees or interest charges because this is not a credit card.
  • Use the Netspend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Get your tax refund direct deposited to your account and no more waiting in line to cash your check!
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.

No Credit Check

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
N/A
Annual Fee
$9.95
monthly*

Surge Mastercard® Credit Card

Surge Mastercard® Credit Card

Surge Mastercard® Credit Card

Apply Now
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Recommended Credit
Bad/Poor Credit
Apply Now
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Bad/Poor Credit

Benefits & Key features

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Bad/Poor Credit

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*

Fingerhut Credit Account issued by WebBank

Fingerhut Credit Account issued by WebBank

Fingerhut Credit Account issued by WebBank

Apply Now
  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
Intro APR for Balance Transfer
N/A
Regular APR
See Issuer Website
Annual fee
$0
Recommended Credit
Fair/Bad Credit
Apply Now
Intro APR for Balance Transfer
N/A
Regular APR
See Issuer Website
Annual fee
$0
Apply Now
Fair/Bad Credit

Benefits & Key features

  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card

Fair/Bad Credit

Credit Needed
300
680
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
See Issuer Website
Annual Fee
$0

Horizon Gold Credit Card

Horizon Gold Credit Card

Horizon Gold Credit Card

Apply Now
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$24.95
Recommended Credit
Bad Credit
Apply Now
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
$24.95
Monthly
Apply Now
Bad Credit

Benefits & Key features

  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau

Bad Credit

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
N/A
Annual Fee
$24.95
Monthly