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® 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
18.24% - 32.24%
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.
- Variable APRs range from 18.24% - 32.24%
- 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
- 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
Limited / Good / Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
18.24% - 32.24%
Variable
Annual Fee
$0
Total Visa® Card
Total Visa® Card
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Bad/Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms
Annual fee
See Terms
Apply Now
Bad/Fair Credit
Benefits & Key features
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
Bad / Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
See Terms
Annual Fee
See Terms
Surge Mastercard® Credit Card
Surge Mastercard® Credit Card
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Bad/Poor Credit
Intro APR for Balance Transfer
N/A
Regular APR
29.99%
(Variable)
Annual fee
See Terms*
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Bad/Poor Credit
Benefits & Key features
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Online account access 24/7
- Checking Account Required
Bad / Poor
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
29.99%
(Variable)
Annual Fee
See Terms*
Netspend® Visa® Prepaid Card
Netspend® Visa® Prepaid Card
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No credit check
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual fee
Up-to $9.95 monthly*
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No credit check
Benefits & Key features
- With 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 Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
- Card use is subject to activation and ID verification. Terms and Costs apply.
- Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
- See additional Netspend® Visa® Prepaid Card details by clicking Apply Now
No credit check
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
N/A
Annual Fee
Up-to $9.95 monthly*
Group One Platinum Card
Group One Platinum Card
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Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
0%
fixed
Annual fee
See website for Details*
Apply Now
Fair Credit
Benefits & Key features
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
0%
fixed
Annual Fee
See website for Details*