The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Some credit card issuers offer cards specifically designed for students with little to no credit history. If you can prove your enrollment in college, student credit cards can be a good option for you. They tend to have lower credit and income requirements and rewards tailored to student budgets, such as cash back on food and gas. However, credit limits on these cards are conservative, usually ranging from $250 to $1,000 for beginners.
If you do not want a student card, you can apply for a card for people with limited or no credit history. The credit limit on the card is always determined by the credit card issuer, who bases the decision on your creditworthiness. Credit cards for limited or poor credit typically have starting limits between $200 and $1,000, with $300-$500 being common for unsecured cards.
Since you do need a specific amount, you can consider taking a personal loan. Applying online for a personal loan is generally the most convenient way. Lenders usually offer quick pre-qualification and loan options at various terms. You can choose the one that fits your needs best and submit your application. Approval is usually fast, and when approved, funds are typically transferred to your bank account within a couple of business days.
