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.
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
17.39%
(variable)
Annual fee
$35
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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
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
17.39%
(variable)
Annual Fee
$35
Petal® 1 "No Annual Fee" Visa® Credit Card
Petal® 1 "No Annual Fee" Visa® Credit Card
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Limited/Bad/Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
20.24% - 29.74%
Variable
Annual fee
$0
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Limited/Bad/Fair Credit
Benefits & Key features
- $0 Annual Fee
- $300 - $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants
- Variable APRs range from 20.24% - 29.74%
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
Limited / Bad / Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
20.24% - 29.74%
Variable
Annual Fee
$0
PCB Secured Visa®
PCB Secured Visa®
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Limited/Bad Credit
Intro APR for Balance Transfer
N/A
Regular APR
*See Terms
Annual fee
*See Terms
Apply Now
Limited/Bad Credit
Benefits & Key features
- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit
- Reports monthly to all three major credit bureaus
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- A minimum collateral deposit of $200 is required to open this account.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
Limited / Bad
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
*See Terms
Annual Fee
*See Terms
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
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Limited/Good/Excellent Credit
Intro APR for Balance Transfer
N/A
Regular APR
13.24%-27.24%
Variable
Annual fee
$0
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Limited/Good/Excellent Credit
Benefits & Key features
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- Variable APRs range from 13.24% - 27.24%
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
Limited / Good / Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
13.24%-27.24%
Variable
Annual Fee
$0
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
- $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
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
See Terms
Annual Fee
See Terms