ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.
Best loans and credit cards for
limited/no creditFROM
OUR PARTNERS
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 credit. 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. It pays off to be patient. If you want to minimize the risk of being denied, consider a secured credit card, especially at times like the Coronavirus pandemic, when issuers become extremely cautious and do not want to take credit risks.
- Best of October 2020
- Secured Cards
- Build Credit
- No Credit Check
our choice
Intro APR on Purchases
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
- 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 build your credit through responsible use of a card like this
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Check
Yes
Credit Pull
See Terms
- YOU’RE NOT ALONE – First PREMIER Bank values its customers and employees and helping them build a bright future.**
- WORKING TOGETHER - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.**
- Looking to build credit? We report to the major consumer reporting agencies monthly**
- Apply online for a credit card to build credit**
- Fast, easy & secure online applications
- Credit limit increases can be evaluated after 12 months. Just ask!
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- 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
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Monitor your credit profile with the CreditWise® app, free for everyone
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Credit Pull
Soft Pull
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
26.99% (Variable)
Annual Fee
$39
Credit Check
Yes
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Check
Yes
Credit Pull
See Terms
- YOU CAN DO MORE THAN JUST GET BY - First PREMIER Bank values its customers and employees and helping them build a bright future.**
- Looking to build a credit future? We report to the major consumer reporting agencies monthly**
- Reports to consumer reporting agencies help you monitor your financial progress to build credit history (build credit by keeping your balance low and paying on time every month)
- Access to credit, and the things you need (subject to available credit)
- First PREMIER customer service: helpful, friendly, fast
- Apply online for a credit card to build credit**
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
19.99 - 29.49% Variable
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
- $0 Annual Fee.
- Up to 10% cash back from select merchants.
- $500 - $5,000 credit limits.
- Variable APRs 19.99-29.49%.
- No annual or international transaction fees. Late and returned payment fees may apply.
- Build credit alongside tens of thousands of Petal Card members.
- Cash flow technology may help applicants without credit history get approved.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- See if you're pre-approved within minutes without impacting your credit score.
- Petal reports to all 3 major credit bureaus.
- No deposits required.
- Card issued by WebBank, Member FDIC
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Build your Credit with responsible handling of your account
- Receive a $500 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Pull
Soft Pull
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Pull
Soft Pull
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
9.99% (V)
Annual Fee
$49
Credit Check
No
Credit Pull
Soft Pull
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Pull
Soft Pull
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
our choice
our choice
Intro APR on Purchases
0% (6 months on Purchases)
Regular APR
12.99% (V)
Annual Fee
$49
Credit Check
Yes
Credit Pull
Hard Pull
- Enjoy 0% APR on Purchases for Six Months!
- Full-Feature Platinum Mastercard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- * See Card Terms.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
19.99% (V)
Annual Fee
$29
Credit Check
No
Credit Pull
Soft Pull
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
17.45% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
No
Credit Pull
Soft Pull
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
- Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Pull
Soft Pull
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Pull
Soft Pull
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
15.49% (variable)
Annual Fee
$0*
Credit Check
Yes
Credit Pull
See Terms
- Up to a $5k credit limit
- All the benefits of a premium Mastercard®
- High credit limits, low interest rates
- No annual fee*, no security deposit
- No credit history required to apply if you don't already have one. If you are a US citizen, a US permanent resident, or have been living in the US for over one year at the time of application, Jasper will run a hard credit inquiry with the credit bureaus.
- An intuitive experience that includes personalized, real-time financial advice, and innovative auto payment options
- Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
- Issued by WebBank, Member FDIC
- *Review the Jasper fee schedule: Jasper Mastercard®
our choice
our choice
Maximum Loan Amount
$1,700
Minimum Loan Amount
$525
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Credit Pull
Soft Pull
- Get the savings plan that helps build credit today!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%. Please refer to www.self.inc/pricing for the most recent pricing options.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
17.45% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
No
Credit Pull
Soft Pull
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
- Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Credit Pull
Soft Pull
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
our choice
our choice
Intro APR on Purchases
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Pull
Soft Pull
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Build your Credit with responsible handling of your account
- Receive a $500 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Pull
Soft Pull
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
our choice
our choice
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Pull
Soft Pull
- Bad Credit, No Credit? No Problem!
- Reports to Major Credit Bureau
- $500 Credit Limit
- Fast and Easy Application
- No Employment or Credit Check
our choice
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:
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 help you to get into the habit of always paying on time and will help you avoid interest payments. 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 is usually much higher.
questionsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT
What credit card can I get to build my credit if I have NO credit? One that does not have a deposit either.
Before you submit your application note that you should not go on an application spree and apply for multiple credit cards. That won’t do any good to your credit and your chances to qualify may get even lower....
Read moreWhat credit cards can people with no credit history apply for?
All major credit card companies run a credit check before approving a credit card application. This makes it difficult for people with no credit history to apply for credit cards like Visa or Master cards. However,...
Read moreWhat Credit Cards Are Good Ideas For Someone With No Credit?
Every single person may not have access to credit cards at all times. A lot of people may also opt out of having a credit card for many years in order to avoid debts and problems additionally. If you wish to have a good...
Read more
commentsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT
must read FEATURED NEWS
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Oct 14, 2020
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