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Credit Cards for People with Limited / No Credit

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Credit Card Applications for Limited or No Credit

Credit Cards for People with Limited / No Credit
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When you apply for a credit card, the bank wants to see your credit history and be sure you're a good risk - so what if you have limited or no credit history? The time to start building with one of these cards, recommended by Credit-Land.com, has come.

The card for limited/no credit history may not come with many perks, since their main purpose is to give you an opportunity to build a credit history. Consider this as an investment in your future. Never miss a payment, pay off your balances, and you'll be on the road to excellent credit. In time, you'll be eligible for amazing rewards. It pays to be patient.

Sort Cards by:RatingIntro APR on Purch.Regular APRAnnual FeeActivation FeeInst. Response
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Start with no annual fee for the first year; $19 after that
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Inst. Response
n/a24.9% (V)$0 intro for first year;
$19 after that
See termsYesNo
Card Details:
  • Start with no annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pick the monthly payment due date that works best for you.
  • Pay however you want - by check, online, or at a local branch, all with no fee.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
Our Expert Opinion
  • Annual fee is waived for the first year.
  • People with average credit can be approved.
  • Chat online with customer service during application process.

  • No 0% promotional periods.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on purchases until January 2015
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Inst. Response
0%
(until
January
2015)
22.9% (V)$39See termsYesNo
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • No limit to the cash back you can earn.
  • Your cash back doesn´t expire.
  • 0% intro APR on purchases until January 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud Coverage if your card is ever lost or stolen.
Our Expert Opinion
  • Unlimited cash back for people with average credit.
  • Easy to redeem cash back at any time.
  • MasterCard benefits are included.

  • Annual fee.
See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Credit Check, Overdraft Fees or Interest Charges.
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
see siteNoYesNoNoNo
Card Details:
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Our Expert Opinion
  • Link the card with your PayPal account and have full access to features available.
  • Optional savings account.
  • Real-time alerts and notifications.

  • All benefits available only if you have PayPal account.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on purchases until January 2015
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Inst. Response
0%
(until
January
2015)
22.9% (V)$39See termsYesNo
Card Details:
  • 0% intro APR on purchases until January 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pick the monthly payment due date that works best for you.
  • Pay however you want - by check, online, or at a local branch, all with no fee.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
Our Expert Opinion
  • Customize card with your favorite pictures.
  • No foreign transaction fees.

  • Annual fee.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: For every month you pay on time, you receive a 25% bonus - that's a total of 1.25% cash back
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Inst. Response
n/a19.8% (V)$0See termsYesNo
Card Details:
  • Earn 1% cash back on every purchase, every month - and pay no annual fee.
  • For every month you pay on time, you receive a 25% bonus - that´s a total of 1.25% cash back.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Brighten your financial future with responsible credit use - and get rewarded along the way.
  • Fraud coverage if your card is lost or stolen.
  • There´s no limit to the amount of cash back you can earn, and rewards don´t expire.
  • Pick the monthly payment due date that works best for you.
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker.
Our Expert Opinion
  • Tools that allow you to monitor your credit score for FREE.
  • Get cash back for making payments on time.
  • Great card for students to build credit.

  • High standard APR.
See card details
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Inst. Response
n/a24.90%$0$0YesYes
Card Details:
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • $50 OFF $200 - Promo Code #APR50. ENDS on May 6, 2014.
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • We often say "YES!" when others say "No".
  • Shop Great Brands at Fingerhut.com.
  • Choose From Over 30,000 Products.
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Free Shipping - Promo Code #APRFREE. ENDS on May 6, 2014.
Our Expert Opinion
  • No Annual Fees.
  • No Application Fees.
  • No Over Limit Fees.
  • Quick approval.
  • Credit is available as soon as you´re approved.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details
Bad / No Credit

Bad / No Credit
Required FICO score for this card: 0 to 639
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Free Bill Pay and online budget management tools
Expert Rating:
Summary of Card Features:
Activation FeeGuaranteed ApprovalInstant ResponseCredit CheckBuild CreditReporting
Credit Bureaus
$0YesYesNoNoNo
Card Details:
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
  • Earn Cash Back Rewards & Refer A Friend bonuses.
  • Free Bill Pay and online budget management tools.
  • Transfer money to other cardholders online or with your mobile phone.
  • Free Smartphone App - check your transactions, balance and find the closest reload location.
  • Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
Our Expert Opinion
  • Free Direct Deposit with automatic upgrade.
  • Cash back rewards program.
  • Available optional savings account.

  • Has a monthly fee.
See card details
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Guaranteed $500 Unsecured Credit Limit
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Inst. Response
n/a0.00%See terms$29.95YesYes
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Our Expert Opinion
  • Reports to a major credit bureau.
  • Fast online approval.
  • Unsecured credit limit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details

68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.

Your First Credit Card

Banks have set up special credit lines for new immigrants and people who have barely established their credit history. In fact, if you have just become a permanent resident of the USA, you will probably be approved right away for your first credit card. Banks are more willing to give offers to people with limited / no credit, compared to people with bad credit history. You are a blank slate, ready to start great credit!

Credit History: First Steps

The following steps will help you establish your credit history:

Find a job. You need to show that you have steady income so banks could see you can repay loans and lines of credit. When you apply for an account, you will be asked for proof of employment.

Sign up for a checking account. Banks will want you to have a backup account on your application, and having access to a checking account helps you develop discipline and learn good credit habits.

Apply for a credit card for people with no credit history. The only way to build a credit reputation is to be a responsible credit card user for a while. Keep these tips in mind as you build your credit and you'll be on the road to excellent credit:

  1. Use your card for smaller expenses like groceries and gas.
  2. Don't carry a balance as you begin to build your credit history. Pay your account in full every month. Also be sure you make every payment by the due date. This will establish on-time payment habits and keep you from paying interest.
  3. Spend small, but spend consistently. The more active your credit account is, the better your credit score will be.
  4. Stay within your budget, don't get near your limit, and keep a tight reign on your spending.
  5. Know what your APR is. Many banks are eager to lure you in with terrific offers like 0% interest for the first few months - just be sure you know how long your introductory rate is going to last. The ongoing rate will usually be significantly higher.

Our Experts about Limited/No Credit Cards

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