Credit Cards for People with Limited / No Credit

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Credit Card Applications » Credit Cards for Limited/No Credit

Credit Card Applications for Limited or No Credit

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.

Average, Fair, Limited Credit
Capital One® Platinum Credit Card
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Key Feature: Get access to a higher credit line after making your first 5 monthly payments on time
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A24.99% (Variable)$0See terms$0
Card Details:
  • Pay no annual fee
  • 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
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Our Expert Opinion
  • Pay no annual fee
  • 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

See card details
Capital One® QuicksilverOne® Cash Rewards Credit Card
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Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A24.99% (Variable)$39See terms$0
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 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
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

See card details
Horizon Gold Credit Card
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Key Feature: Guaranteed $500 Unsecured Credit Limit
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
n/an/a0.00%See TermsSee TermsSee Terms
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
  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details
Fair/Bad Credit
First Access Visa
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Key Feature: Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/ASee Terms*See Terms*See Terms*N/A
Card Details:
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Our Expert Opinion
  • Full-feature Visa credit card.
  • Get response in a minute.
  • Good for people with poor credit.

See card details
Bad/Fair Credit
Total Visa Card
Compare
Key Feature: Reports monthly to all three major credit bureaus
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/ASee Terms* See Terms* See Terms* N/A
Card Details:
  • 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 Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Our Expert Opinion
  • Reports monthly to credit bureaus.
  • Card with instant response.
  • Accepted anywhere across U.S. and online.

  • One-time processing fee applies.
See card details
Capital One® Secured Mastercard®
Compare
Key Feature: No annual fee, and all the credit building benefits with responsible card use
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A24.99% (Variable)$0See terms$0
Card Details:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Our Expert Opinion
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness

See card details
Bad/Fair Credit
Total Visa Card
Compare
Key Feature: Reports monthly to all three major credit bureaus
Expert Rating:
Summary of Card Features:
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/ASee Terms*See Terms*See Terms*N/A
Card Details:
  • 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 Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Our Expert Opinion
  • Reports monthly to credit bureaus.
  • Card with instant response.
  • Accepted anywhere across U.S. and online.

  • One-time processing fee applies.
See card details

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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