Credit Cards for People with Limited / No Credit

Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
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.

Sort Cards by:RatingIntro APR on Purch.Regular APRAnnual FeeApplication Processing FeeInstant Response
Average, Fair, Limited Credit
Capital One® Platinum Credit Card
Compare
Key Feature: Pay no annual fee
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
Compare
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
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire 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
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire 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

See card details
Credit One Bank® Platinum Credit Card with Rewards
Compare
Key Feature: Receive 1% cash back on eligible purchases, terms apply
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/A15.90% - 24.40% Variable$0 - $99See termsN/A
Card Details:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Our Expert Opinion
  • Find out if you Pre-Qualify without affecting your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges

See card details
Fingerhut Credit Account
Compare
Key Feature: No Annual Fee
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/a25.15%$0See TermsSee Terms
Card Details:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details
Credit One Bank® Platinum Visa® for Building Credit
Compare
Key Feature: Receive 1% cash back on eligible purchases, terms apply
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/A15.90% - 24.40% Variable$0 - $99See termsN/A
Card Details:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Our Expert Opinion
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
  • All the features you want in a credit card are included.
  • See if you Pre-Qualify without harming your credit score.

See card details
Average, Fair, Limited Credit
Journey® Student Rewards from Capital One®
Compare
Key Feature: Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
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/A20.49% (Variable)$0See terms$0
Card Details:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Our Expert Opinion
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time

See card details
Horizon Gold Credit Card
Compare
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
  • Reports to a major credit bureau.
  • No credit check.
  • Unsecured line of credit.
  • Good for bad credit.

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

latest news:

Time to Dress Up Your Finances? Time to Dress Up Your Finances?

Halloween is nearly upon us, and in keeping with that theme, SunTrust Bank asked people what character best describes their financial state of mind. Continue reading

    More limited/no credit cards news

    related research:

    National Credit Direct: Unsecured Credit Line with 0% Interest RateNational Credit Direct: Unsecured Credit Line with 0% Interest Rate

    If you do not have credit history and don’t know what credit card to choose to start with, the credit card can become your first card. People with bad credit and with past credit problems can also get approved for the National ...Continue reading

    More limited/no credit cards research
    Credit Cards for People with Limited / No Credit
    Latest Deals & Tips
    about Cards for
    Limited/No Credit
    in your inbox.
    Subscribe for FREE!

    Limited/No Credit Video

    Build Your History from Scratch with Credit Cards

    May 21, 2015

    Questions & Answers about
    Limited/No Credit Cards

    See Also Other Card Offers: