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.
Netspend® Visa® Prepaid Card
Intro APR for Balance Transfer
N/A
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Regular
APR
N/A
Annual
Fee
Up-to $9.95 monthly*
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No Credit Check
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.
Benefits & KEY FEATURES
No Credit Check
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
N/A
Annual Fee
Up-to $9.95 monthly*
Surge Mastercard® Credit Card
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
See Terms*
Annual
Fee
See Terms*
View Details
Bad/Poor Credit Needed
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
Benefits & KEY FEATURES
Bad/Poor
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Fingerhut Credit Account issued by WebBank
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
See Issuer Website
Annual
Fee
$0
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Fair/Bad Credit Needed
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
Benefits & KEY FEATURES
Fair/Bad Credit
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
$0
Horizon Gold Credit Card
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
N/A*
Annual
Fee
$24.95 benefits plan membership will be auto-debited monthly
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Bad Credit Needed
Benefits & KEY FEATURES
- $500 Credit Limit
- Guaranteed Approval
- Bad Credit Accepted
- No Employment Check
- Reports to a Major Bureau
Benefits & KEY FEATURES
Bad Credit
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
N/A*
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly
