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Best 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. In time, you'll be eligible for amazing rewards. It pays off to be patient.
Special Offer for Limited/No Credit
BEST CHOICE OF March 2020
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
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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our choice
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- 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.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- 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 rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
our choice
our choice
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- 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 rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
our choice
our choice
- 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
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 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.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
- 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 rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
our choice
Discover it® Student chrome
GREAT CASH BACK REWARDS
TO GET IN March 2020
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- 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.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
HAVE DIFFERENT CREDIT HISTORY?
See offers for your credit:
questionsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT
I want to apply for the PNC cash rewards card but not sure I will be approved for this card with my scores 628 EX, 674TU and 682EQ. What do you think my chances are? Can I prequalify for this card?
All in all, your credit scores are considered average. To apply for a PNC credit card your credit should be good or better, which is 700 or higher credit score. If you apply for a PNC credit card with your current...
Read moreMy credit is bad and I would like to apply for the Big Lots credit card but I'm not sure I will qualify. Do you think I can qualify with my slightly above 500 score and I often shop at Big Lots?
Store credit cards like the Big Lots are usually good for those with average credit, meaning your credit score should be above 600. But it does not mean you won't be able to qualify for this card while your credit is...
Read moreI’ve just started building my credit and thinking to apply for Overstock credit card. Do you think it is good for me?
As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. But it is said that the Overstock credit card is offered to people with good or...
Read more
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.
commentsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT
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