Credit Card Offers for People with Limited or No Credit History

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This section is for people with little experience (if at all) of having a credit card. It is obvious that a credit card newbie would like a simple credit card with maximum savings and rewards to make your introduction to the world of credit - a positive experience, to last you a life time. Try one of our expert recommended cards, designed specifically for people with Limited or No Credit! These cards offer reasonable fees and competitive interest rates, and are designed to help you establish credit and earn cash back. Scroll down and apply online for a card with no activation or overdraft fees and no interest charges.

Horizon Gold Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
n/a n/a 0.00% See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Consumer Rating: 4 / 5
NetSpend® Visa® Prepaid Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Card Type Guaranteed Approval Credit Check Instant Response
Prepaid Yes! No No
  • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
  • *Card issued by MetaBank®, Member FDIC. "Apply Now" for full details.
Consumer Rating: 5 / 5
Fast5kLoans
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $5,000 $500
  • Personal Loans Online
  • All Credit Types Accepted
  • See Money In Your Account
Consumer Rating: 5 / 5
National Credit Direct
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
n/a n/a 0.0% $49
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Consumer Rating: 4 / 5
Fast1KLoans
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $1,000 $100
  • Personal Loans Online
  • All Credit Types Accepted
  • See Money In Your Account
Consumer Rating: 5 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
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  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Limited or No Credit Cards

If you keep getting turned down for a credit card because you have limited or no credit, rest assured there are credit cards tailored just for you. These cards offer reasonable fees and competitive interest rates, and are designed to help you establish credit and earn cash back.

Try these cards:
  • Secured credit cards - The easiest way to build up credit and reap the benefits of a credit card is to apply for a secured card. These cards may not require a credit history and can be used just like a regular credit card for online purchases and bill payments. Users also may benefit from incentives like cash back offers. If you are trying to establish your credit rating, confirm that your credit will in fact be reported using this card because there still are secured cards that are not reported to the major credit bureaus.
  • Instant approval - The process of applying for a credit card can be tedious and lengthy, so skip all the drama by applying online for an instant approval card. Getting an instant decision on a credit card application means not having to schedule meetings with bankers or credit card representatives. This is also a good option if you need a card right away, perhaps for a trip or unexpected expense. Best of all, you will have your card in your hands within a few weeks.


Use your card to build credit
Many credit cards now include built-in incentives to help card holders establish good credit and save money, including late payment alerts and percent of cash back on all purchases, when the bill is paid on time.
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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

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