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. 

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

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Limited/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
26.99%
(Variable)
Annual fee
$0
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
  • 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

Limited/Bad

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
26.99%
(Variable)
Annual Fee
$0

Citi® Secured Mastercard®

Citi<sup>&reg;</sup> Secured Mastercard<sup>&reg;</sup>

Citi® Secured Mastercard®

Apply Now
Limited/Good Credit
Intro APR for Balance Transfer
N/A
Regular APR
24.49*
(Variable)
Annual fee
$0
Apply Now
Limited/Good Credit

Benefits & Key features

  • 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.

Limited/Good

Credit Needed
300
720
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
24.49*
(Variable)
Annual Fee
$0

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

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No credit check
Intro APR for Balance Transfer
N/A
Regular APR
19.64%
(variable)
Annual fee
$35
Apply Now
No credit check

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.

No credit check

Credit Needed
300
620
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
19.64%
(variable)
Annual Fee
$35

First Access Visa® Credit Card

First Access Visa® Credit Card

First Access Visa® Credit Card

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Fair/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Fair/Bad Credit

Benefits & Key features

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Fair/Bad

Credit Needed
300
680
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*