5 Great Credit Cards for People with No Credit History

One of the leading reasons that credit card applications get rejected is because the applicant’s credit score is lower than required. Fortunately, even if you have no credit whatsoever, there are still plenty of great options to choose...

Creditcards.org Team

| July 22, 2015

One of the leading reasons that credit card applications get rejected is because the applicant’s credit score is lower than required. Fortunately, even if you have no credit whatsoever, there are still plenty of great options to choose from. While the terms may be less favorable than those offered to people with higher credit scores, your credit level will gradually improve, if you consistently making your monthly payments on time. Soon enough, you’ll qualify for more attractive credit cards that boast higher monthly limits and better perks—but it all starts by being responsible and signing up for one of the five credit cards below.
1. Capital One® Secured MasterCard®
With no annual fee and a relatively low initial credit line, the Capital One® Secured MasterCard® is a strategic way to start building your credit score while keeping the risks low. Even if you have a low credit score, this card is an opportunity to start rebuilding your credit, one month at a time. Plus, you’ll have unlimited access to your credit score—for free—so you’ll be able to see your credit score climb with your own eyes.

Capital One® Secured Mastercard®

No annual fee, and all the credit building benefits with responsible card use

Apply Now

Limited/Bad Credit

Benefits & KEY FEATURES

    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
    • 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

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2. OpenSky® Secured Visa® Credit Card
The application process for this secured OpenSky® card couldn’t be easier, and it shouldn’t take more than 10 minutes to complete the entire 4-step process. Even better, at no point of the application process will there be a credit check, so there’s no reason to fear having your application rejected. Moreover, one of the big advantages of this no-credit option is that you’ll be able to set your own monthly limit, dependent on OpenSky®’s approval.

OpenSky® Secured Visa® Credit Card

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.

Apply Now

No credit check Credit

Benefits & KEY FEATURES

    • 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.)
    • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
    • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

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3. Fingerhut® Card
If you’re tired of having your credit card applications turned down and are looking for instant approval, then Fingerhut® may be a dream come true. Even if your financial history is full of missteps, you’ll be eligible for a card, which can be used to purchase a wide variety of products. With low monthly payments and no annual fee, there’s a lot about the Fingerhut® card which makes financial sense for those without credit.

Fingerhut Credit Account issued by WebBank

Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt

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Fair/Bad Credit 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

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4. Western Union® NetSpend® Prepaid MasterCard®
The Western Union® NetSpend® Prepaid MasterCard® allows individuals, especially those with bad credit, to take advantage of an excellent prepaid card that comes with tremendous conveniences. For example, you’ll be able to send money to over half a million Western Union locations all over the world from your cell phone—you’ll even be able to direct deposit your checks. Since it’s not officially a credit card, you’ll never have to worry about interest payments, late fees, or having to go through a credit check.

5. Total VISA® Credit Card
With easy approval and a low processing fee, the Total VISA® Credit Card is accessible even if you’ve made mistakes handling your credit in the past. The monthly limit is set to ensure that you stay within your financial means, and your monthly payments won’t be out of reach. For a credit card which understands that small financial steps can pay off big time in the long run, look no further than the Total VISA® Credit Card.

Total VISA® Credit Card

Apply Now

Bad/Fair Credit Credit

Benefits & KEY FEATURES

    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus

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Click here to view more cards for people with no credit history >> 

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