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. 

Total VISA® Credit Card

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Bad/Fair Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

See Terms*

Annual
Fee

See Terms*

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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 Program 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*

Netspend® Visa® Prepaid Card

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No Credit Check

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

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

N/A

Annual Fee

Up-to $9.95 monthly*

Surge Mastercard® Credit Card

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Bad/Poor Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular
APR

See Terms*

Annual
Fee

See Terms*

View Details

Apply Now

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

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

See Terms*

Annual Fee

See Terms*

Fingerhut Credit Account issued by WebBank

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Fair/Bad Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular
APR

See Issuer Website

Annual
Fee

$0

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Apply Now

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

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 Issuer Website

Annual Fee

$0

Horizon Gold Credit Card

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Bad Credit Needed

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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Apply Now

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

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

N/A*

Annual Fee

$24.95 benefits plan membership will be auto-debited monthly

Related Offers:

  • Unsecured personal loans up to $100,000
  • Rates starting as low as 3.99% APR
  • Good, Bad and No Credit Welcome
  • Get Cash in as little as 24 hours
  • Loans for any purpose and no collateral required
  • No impact on your credit score to check your rates!