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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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 Credit Cards for Limited/No Credit from 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.

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Apply for Discover it® Student Cash Back - Credit-Land.com APPLY

on Discover's secure website

Fair/New to Credit

Top Credit Card Offer Only for Students

Easy Way to Build Credit

Rating 5.0

  • No credit score required to apply.
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
14.49% - 23.49% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Credit Cards for No Credit or Limited Credit

When you want to build your credit, you need to start somewhere, and a credit card is a good option. There are credit card offers designed for people with limited or no credit at all. The cards may be as secured cards as unsecured credit accounts. Whichever type of credit you choose, you should manage it responsibly to be able to build your credit. You can do it by simply making all your monthly credit card payments on time and keeping your balances low with all your creditors.

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Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.0

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

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 or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Reporting to the Major Consumer Reporting Agencies

Apply for Chime Visa® Debit Card - Credit-Land.com

Rating 4.2

APPLY

Any Credit

our choice

Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Credit Check
No
Overdraft Available
Yes
  • No Monthly Fees.
  • Fee-free Overdraft up to $200 with SpotMe*
  • Grow your savings automatically
  • Set up Direct Deposit and receive your paycheck up to 2 days earlier^ than some of your co-workers!
  • Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
  • *Eligibility requirements and overdraft limits apply.
  • ^Early access to direct deposit funds depends on payer.

our choice

Activation Fee: No

Monthly Maintenance Fee: No

Overdraft available

Overdraft Fee:
Fee-free Overdraft up to $200 with SpotMe*

No Credit Check

Apply for Capital One QuicksilverOne Cash Rewards Credit Card - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

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
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • 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

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Reporting to the Major Consumer Reporting Agencies

Apply for Self - Credit Builder Account - Credit-Land.com

Rating 4.4

APPLY

Limited / No Credit

our choice

Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • 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 $545.00 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Employment Required

Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Limited, Bad Credit

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 or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone

our choice

Annual Fee: $0

Rewards

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Apply for Discover it® Student chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Regular APR
14.49% - 23.49% Variable APR
Annual Fee
$0
Credit Check
Yes
Credit Pull
See Terms
  • No credit score required to apply.
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
  • Click "Apply Now" to see terms and conditions.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
14.49% - 23.49% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

our choice

Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$0
Credit Check
No
Credit Pull
See Terms
  • Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
  • Free credit building, no matter your credit history
  • No annual fees or interest
  • No credit check to apply
  • No minimum security deposit required1
  • Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Reports to all 3 major credit bureaus
  • View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders2
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Affiliate - Credit Builder Brief
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for PREMIER Bankcard® Green Credit Card - Credit-Land.com

Rating 3.7

APPLY

Fair / Poor Credit

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
  • Everyone deserves a chance to build** credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Capital One Quicksilver Student Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Regular APR
16.49% - 26.49% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

our choice

Annual Fee: $0

$100 Cash Back

Limited Time Offer: Earn $100 when you spend $100 in the first three months

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Foreign Transaction Fee: None

Apply for Capital One Platinum Secured Credit Card - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

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 or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One SavorOne Student Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Regular APR
16.49% - 26.49% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

our choice

Annual Fee: $0

$100 Cash Back

Limited Time Offer: Earn $100 when you spend $100 in the first three months

Rewards

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Foreign Transaction Fee: None

our choice

Intro APR on Purchases
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Check
Yes
Credit Pull
See Issuer Website
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Journey Student Rewards from Capital One - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

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
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Set up Autopay for your account and your payments will be made automatically every month
  • 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

our choice

Annual Fee: $0

Rewards

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

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Apply for Yotta Debit Card - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Card Type
Prepaid
Activation Fee
No
Maintenance Fee
No
Credit Check
No
Overdraft Available
No
  • Users can get up to 1 in 100 odds of getting your purchase paid for by Yotta for free. Plus earn 10% tickets back on every purchase
  • FDIC insured
  • Earn 5% on extra bonus tickets for every paycheck
  • Get paid two days early when users set up direct deposit on account

our choice

Activation Fee: No

Monthly Maintenance Fee: No

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Apply for PREMIER Bankcard® Grey Credit Card - Credit-Land.com

Rating 3.7

APPLY

Fair / Poor Credit

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 don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build** or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Discover it® Secured Credit Card - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Intro APR on Purchases
N/A
Regular APR
24.49% Variable APR
Annual Fee
$0
Credit Check
Yes
Credit Pull
See Terms
  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

our choice

Annual Fee: $0

Rewards Bonus

Unlimited Cashback Match - Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.µ

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Foreign Transaction Fee: None

our choice

Intro APR on Purchases
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Check
Yes
Credit Pull
See Issuer Website
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Everyone deserves a chance to build** credit: apply today!
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for PREMIER Bankcard® Secured Credit Card - Credit-Land.com

Rating 3.7

APPLY

Bad / Limited / No Credit

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
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

SHOW MORE CARDS

Discover it® Student chrome

Fair/New to Credit
Apply for Discover it® Student chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

STUDENTS SPECIAL: CREDIT CARD WITH REWARDS August 2022

  • No credit score required to apply.
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
See more details

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 more
What 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 more
What 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
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

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.

Show more

commentsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT🜂

must read FEATURED NEWS
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