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.
Petal Visa® Credit Card
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
15.24 - 26.24%
Variable
Annual
Fee
$0
View Details
Fair/Good Credit Needed
Benefits & KEY FEATURES
- •No fees whatsoever
- No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- •$500 - $10,000 credit limits •No credit history necessary for approval •Build credit by using responsibly
- •Petal reports to all 3 major credit bureaus •Petal's mobile app makes it effortless to manage your money, track your spending, and build credit without thinking much about it
- •See if you're pre-approved within minutes without impacting your credit score
- •No deposits required
- •Card issued by WebBank, member FDIC.
Benefits & KEY FEATURES
Fair/Good
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
15.24 - 26.24% Variable
Annual Fee
$0
Capital One® Secured Mastercard®
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
26.99%
(Variable)
Annual
Fee
$0
View Details
Limited/Bad Credit Needed
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
Benefits & KEY FEATURES
Limited/Bad
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Citi® Secured Mastercard®
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
24.74%*
(Variable)
Annual
Fee
$0
View Details
Limited History/No Credit/New-to-Credit/Good Needed
Benefits & KEY FEATURES
- No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
- A security deposit is required for this product (minimum $200)
- Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
- Use the card anywhere Mastercard® is accepted — worldwide
Benefits & KEY FEATURES
Limited History/No Credit/New-to-Credit/Good
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
24.74%* (Variable)
Annual Fee
$0
OpenSky® Secured Visa® Credit Card
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
19.64%
(variable)
Annual
Fee
$35
View Details
No credit check Credit Needed
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.
Benefits & KEY FEATURES
No credit check
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
19.64% (variable)
Annual Fee
$35
First Access Visa® Credit Card
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
See Terms*
Variable
Annual
Fee
See Terms*
View Details
Fair/Bad Credit Needed
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
Benefits & KEY FEATURES
Fair/Bad Credit
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
