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®

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Limited/Bad Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

24.99%

(Variable)

Annual
Fee

$0

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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

0 450 500 550 600 650 700 750 800 850
300
620

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

24.99% (Variable)

Annual Fee

$0

Citi® Secured Mastercard®

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Limited History/No Credit/New-to-Credit/Good Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

24.49%*

(Variable)

Annual
Fee

$0

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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

0 450 500 550 600 650 700 750 800 850
300
720

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

24.49%* (Variable)

Annual Fee

$0

OpenSky® Secured Visa® Credit Card

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No credit check Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

19.14%

(variable)

Annual
Fee

$35

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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

0 450 500 550 600 650 700 750 800 850
300
620

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

19.14% (variable)

Annual Fee

$35

The First Access VISA® Credit Card

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Bad/Fair Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular
APR

See Terms*

Annual
Fee

See Terms*

View Details

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Bad/Fair 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
    • You may be eligible for a Credit Line Increase after six months
    • If approved, pay a Processing 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
    • Online Customer Center available 24 x 7
    • Issued by The Bank of Missouri

Benefits & KEY FEATURES

Bad/Fair Credit

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
300
680

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

See Terms*

Annual Fee

See Terms*

Total VISA® Credit Card

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Apply Now

Bad/Fair Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular
APR

See Terms*

Annual
Fee

See Terms*

View Details

Apply Now

Bad/Fair Credit Needed

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

Benefits & KEY FEATURES

Bad/Fair Credit

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
300
680

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

See Terms*

Annual Fee

See Terms*

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