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.
Surge Mastercard® Credit Card
Surge Mastercard® Credit Card
Benefits & Key features
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Bad/Poor
(Purchases)
(Balance Transfer)
Netspend® Visa® Prepaid Card
Netspend® Visa® Prepaid Card
Benefits & Key features
- With Netspend Direct Deposit, you can get paid faster than a paper check
- No late fees or interest charges because this is not a credit card.
- Use the Netspend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
- Get your tax refund direct deposited to your account and no more waiting in line to cash your check!
- Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.
No Credit Check
(Purchases)
(Balance Transfer)
Fingerhut Credit Account issued by WebBank
Fingerhut Credit Account issued by WebBank
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
Fair/Bad
(Purchases)
(Balance Transfer)
Horizon Gold Credit Card
Horizon Gold Credit Card
Bad
(Purchases)
(Balance Transfer)
Monevo - Personal Loans from $1,000 - $100,000
Benefits & Key features
- Network of lenders offering loan amounts $1,000 - $100,000
- Rates starting as low as 3.99% APR
- Solutions available for all credit scores
- Funds available as soon as the next business day
- No impact on your credit score to check your rates!
Benefits & Key features
- Network of lenders offering loan amounts $1,000 - $100,000
- Rates starting as low as 3.99% APR
- Solutions available for all credit scores
- Funds available as soon as the next business day
- No impact on your credit score to check your rates!