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ADVERTISING DISCLOSURE:
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 may impact 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 your credit has come. Cards for limited/no credit history do not have 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.

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Unlimited Cash Back on Every Purchase

CREDIT CARD OF July 2025

Capital One QuicksilverOne Cash Rewards Credit Card

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APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

Unlimited Cash Back on Every Purchase

CREDIT CARD OF July 2025

Rating 4.4

  • 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
Rates & Fees
See more details

our choice

Earn Up to
5%
Cash Back
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Bonus Offer:
N/A
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$39
Late Payment Fee:
Up to $40
Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back doesn't expire for the life of the accountµ

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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Compare all these offers

Chime Secured Credit Builder Visa® Credit Card

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Fair/Bad/No Credit

our choice

Rating 4.1

  • To apply for Credit Builder, you must have an active Chime® Checking Account.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • 1Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
  • *Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
  • 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
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
No interest
Annual Fee:
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Instant Response:
Yes
Card Usage:
Use everywhere Visa credit cards are accepted.

Discover it® Student Cash Back

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on Discover's secure website

Fair/New to Credit

our choice

Rating 5.0

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • 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 17.24% - 26.24% applies.
  • Terms and conditions apply.
*See Terms

our choice

Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem your rewards for cash at any time.
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
0%
Intro APR on Purchases
Intro APR:
0% Intro APR (6 months)
Regular APR:
17.24% - 26.24% Variable APR
Annual Fee:
$0

PREMIER Bankcard® Mastercard® Credit Card

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Fair / Poor Credit

our choice

Rating 3.7

  • 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.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build** your credit.

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

Experian® Personal Loans

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Any Credit

our choice

Rating 4.8

  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

our choice

Loans up to
$100,000
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$100,000
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check:
Yes
Instant Response:
Yes
Credit Agencies Report:
Yes

Capital One Platinum Credit Card

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APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Rating 4.0

  • 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
Rates & Fees

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
N/A
Credit Line:
See terms
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Help build your credit through responsible use of a card like this

PREMIER Bankcard® Gold Credit Card

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Fair / Poor Credit

our choice

Rating 3.7

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • Award-winning, U.S.-based customer service

our choice

Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes

Merit Platinum Card

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APPLY NOW

Damaged/Fair Credit

our choice

Rating 3.8

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Merchandise Credit Line
  • Exclusive Member Benefits
  • Start Shopping Right Away!

our choice

Instant Response
Instant Response:
Yes
Card Network:
Horizon Card Services
Credit Check:
No
0%
APR on Purchases
Annual Fee:
See terms
Regular APR:
0%
Late Payment Fee:
See terms
$750
Credit Limit
Security Deposit:
No
Credit Line:
$750 Limit (Usable only at TheHorizonOutlet.com)
Credit Line Increase:
See website for Details*

Capital One Platinum Secured Credit Card

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APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 3.8

  • 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 at least 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
Rates & Fees

our choice

$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.74% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help

Discover it® Student Chrome

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APPLY NOW

on Discover's secure website

Fair/New to Credit

our choice

Rating 5.0

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • 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 17.24% - 26.24% applies.
  • Terms and conditions apply.
*See Terms

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem your rewards for cash at any time.
0%
Intro APR on Purchases
Intro APR:
0% Intro APR (6 months)
Regular APR:
17.24% - 26.24% Variable APR
Annual Fee:
$0

PREMIER Bankcard® Mastercard® Credit Card

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Fair / Poor Credit

our choice

Rating 3.7

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build** credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • 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.

our choice

Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check:
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)

Kikoff Credit Builder

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Any Credit

our choice

Rating 5.0

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax, Experian and TransUnion

our choice

No Credit Check
Credit Check:
No
Instant Response:
Yes
Credit Agencies Report:
Yes
Loans up to
$750
Minimum Loan Amount:
See terms
Maximum Loan Amount:
$750
Term of Loan:
See terms
Instant Response
Credit Recommended:
Any Credit
Minimum Age of a Borrower:
18
Employment Required:
Yes

PREMIER Bankcard® Grey Credit Card

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APPLY NOW

Fair / Poor Credit

our choice

Rating 3.7

  • Pre-qualify with no impact to your credit score
  • Helping people build** credit is our first priority – start your credit-building journey today.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
  • Award-winning, U.S.-based customer service

our choice

Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured Fee Based Credit Card
Checking Account Required:
Yes
Response in
60
Seconds
Response in 60 Seconds:
Yes
Card Network:
Mastercard
Credit Check:
Yes
Build✧ Your Credit
Build Credit:
✧Build credit by keeping your balance low and paying all your bills on time every month.
Credit Line:
See terms
Card Usage:
Use everywhere Mastercard cards are accepted (subject to available credit)

MAGNUM - Credit Builder Account

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All Credit Types Considered
This offer is not available in Vermont and Wisconsin.

our choice

Rating 4.7

  • Get up to a +86 average341 FICO® Score increase on autopilot
  • Largest credit builder in the nation
  • Build from $2,000 up to $30,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees

our choice

Loans up to
$30,000
Minimum Loan Amount:
$2,000
Maximum Loan Amount:
$30,000
Term of Loan:
See terms
No Credit Check
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes
All
Credit Types Welcome
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
Yes

Current Build Visa® Credit Card

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Any Credit

our choice

Rating 3.9

  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
  • View Product Disclosures

our choice

0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0

Capital One QuicksilverOne Cash Rewards Credit Card

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APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Rating 4.4

  • 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
Rates & Fees

our choice

Earn Up to
5%
Cash Back
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Bonus Offer:
N/A
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$39
Late Payment Fee:
Up to $40
Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back doesn't expire for the life of the accountµ

Avant Cash Back Rewards Card

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See website for Details^

our choice

Rating 4.5

  • 2% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
  • No Limit On The Monthly Rewards You Can Earn
  • $0 Foreign Transaction Fees
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Fast and Easy Application Process
  • Zero Fraud Liability for Unauthorized Charges
  • Conveniently Pay Your Card Through Our Online Portal, 24/7
  • Checking your eligibility does not affect your credit score
  • Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
  • Help Strengthen Your Credit History With Responsible Use
  • We May Periodically Review Your Account For Credit Line Increases
  • Returned Payment Fee : Up to $25
  • Avant branded credit products are issued by WebBank
  • ^See the Provider’s terms for more information
Rate & Fees

our choice

Unlimited
2%
Cash Back
Rewards on Everyday Purchases:
2% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
$0
Annual Fee
Annual Fee:
$0^
Regular APR:
29.99%^
Balance Transfer Fee:
See website for Details*
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39

Capital One Quicksilver Student Cash Rewards Credit Card

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APPLY NOW

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Rating 4.3

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $100 when you spend $300 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Rates & Fees

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Unlimited
1.5%
Cash Back
Rewards on Everyday Purchases:
Earn unlimited 1.5% cash back on every purchase, every day
$100
Cash Back Bonus
Bonus Offer:
Early Spend Bonus: Earn $100 when you spend $300 in the first three months

Arro Card

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All Credit Types Accepted

our choice

Rating 4.2

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $200 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

our choice

Earn
1%
Cash Back
Max. Rewards:
Earn 1% cash back on gas & groceries, including Walmart and Target
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes
Credit Line
Increase
Available
Security Deposit:
No
Credit Line:
$200
Credit Line Increase:
Up to $200 starting limit

Avant Card

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See website for Details^

our choice

Rating 3.5

  • Fast and easy application process
  • We may periodically review your account for Credit Line Increases
  • May help strengthen your credit history with responsible use
  • No Hidden Fees^
  • $0 Foreign Transaction Fees
  • Conveniently pay your card through our online portal, 24/7
  • Zero Fraud Liability for Unauthorized Charges
  • Avant branded credit products are issued by WebBank
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Late Fee up to $39
  • Returned Payment Fee : Up to $25
  • ^See the Provider’s terms for more information
Rate & Fees

our choice

$0
Annual Fee
Annual Fee:
$0^
Regular APR:
35.99%^
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39
Up to
$3,000
Credit Limit
Security Deposit:
No
Credit Line:
$500 - $3,000^
Credit Line Increase:
See terms

Klover

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Any Credit

our choice

Rating 4.5

  • Get your advance now.
  • Access your cash: Get a Klover advance – up to $200 – with no credit check.
  • Connect your account: Link your bank, so we know where to send your money.
  • Sign up in seconds: Just enter your name, email and phone to get started.
  • Turn quick action into points.

our choice

No Credit Check
Credit Check:
No
Instant Response:
No
Credit Agencies Report:
No
No
Employment Requirements
Minimum Age of a Borrower:
18
Checking Account Required:
Yes
Employment Required:
No
Minimum Income Required:
See terms
Loans up to
$200
Minimum Loan Amount:
$5
Maximum Loan Amount:
$200
Term of Loan:
See terms

Capital One Quicksilver Secured Cash Rewards Credit Card

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on Capital One's secure website

Limited, Bad Credit

our choice

Rating 4.3

  • 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 at least 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
Rates & Fees

our choice

Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration:
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.74% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months

Avant Cash Back Rewards Card

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See website for Details^

our choice

Rating 4.4

  • 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
  • No Limit On The Monthly Rewards You Can Earn
  • $0 Foreign Transaction Fees
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Fast and Easy Application Process
  • Zero Fraud Liability for Unauthorized Charges
  • Conveniently Pay Your Card Through Our Online Portal, 24/7
  • Checking your eligibility does not affect your credit score
  • Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
  • May Help Strengthen Your Credit History With Responsible Use
  • We May Periodically Review Your Account For Credit Line Increases
  • Returned Payment Fee : Up to $25
  • Avant branded credit products are issued by WebBank
  • ^See the Provider’s terms for more information
Rate & Fees

our choice

Unlimited
1%
Cash Back
Rewards on Everyday Purchases:
1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$39^
Late Payment Fee:
Up to $39
$39
Annual Fee
Annual Fee:
$39^
Regular APR:
35.99%^
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $39

Capital One Savor Student Cash Rewards Credit Card

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on Capital One's secure website

Average, Fair, Limited Credit

our choice

Rating 4.7

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $100 when you spend $300 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Rates & Fees

our choice

Earn Up to
8%
Cash Back
Max. Rewards:
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Rewards on everyday purchases:
1% Cash Back on all other purchases.
Bonus Offer:
Early Spend Bonus: Earn $100 when you spend $300 in the first three months
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
$100
Cash Back Bonus
Bonus Offer:
Early Spend Bonus: Earn $100 when you spend $300 in the first three months

Avant Cash Back Rewards Card

Apply for Avant Cash Back Rewards Card - Credit-Land.com
Compare
APPLY NOW

See website for Details^

our choice

Rating 4.4

  • 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
  • No Limit On The Monthly Rewards You Can Earn
  • $0 Foreign Transaction Fees
  • Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
  • Fast and Easy Application Process
  • Zero Fraud Liability for Unauthorized Charges
  • Conveniently Pay Your Card Through Our Online Portal, 24/7
  • Checking your eligibility does not affect your credit score
  • Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
  • Help Strengthen Your Credit History With Responsible Use
  • We May Periodically Review Your Account For Credit Line Increases
  • Returned Payment Fee : Up to $25
  • Avant branded credit products are issued by WebBank
  • ^See the Provider’s terms for more information
Rate & Fees

our choice

Unlimited
1%
Cash Back
Rewards on Everyday Purchases:
1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$75^
Late Payment Fee:
Up to $39
Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
$300 - $1,000^
Credit Line Increase:
See terms

Discover it® Secured Credit Card

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on Discover's secure website

New/Rebuilding

our choice

Rating 4.5

  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • 30 points or more—that’s how much you could increase your FICO® Credit Score on average after just six months of responsible use.
  • 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers—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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.
*See Terms

our choice

$0
Annual Fee
Annual Fee:
$0
Regular APR:
27.24% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically
Redemption Options:
Redeem your rewards for cash in any amount.µ
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Credit Line Increase:
No
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Discover it® Student Cash Back

Fair/New to Credit
Apply for Discover it® Student Cash Back - Credit-Land.com
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Rating 5.0

APPLY NOW

on Discover's secure website

STUDENTS SPECIAL: CREDIT CARD WITH REWARDS July 2025

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
*See Terms
See more details

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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....

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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,...

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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...

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NOT SURE WHICH CARD
TO CHOOSE?

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ASK QUESTION

build credit WITH A 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 damaged or bad credit history. You are a blank slate, ready to start great credit!

The following steps will help you establish your credit history:

1. Use your card for smaller expenses like groceries and gas.

2. Never 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 your APR. 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.

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commentsABOUT CREDIT CARDS
FOR LIMITED/NO CREDIT🜂

must read FEATURED NEWS
AND RELATED RESEARCH

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Jul 2, 2025

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