Credit Card Offers for People with Limited or No Credit History

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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.

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.

Capital One® Platinum 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 24.99% (Variable) $0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Consumer Rating: 5 / 5
Horizon Gold Credit Card
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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
Capital One® QuicksilverOne® Cash Rewards Credit Card
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Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 24.99% (Variable) $39
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Consumer Rating: 5 / 5
First Access Visa
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 See Terms* See Terms*
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Consumer Rating: 4 / 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
Capital One® Secured Mastercard®
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Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 24.99% (Variable) $0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Consumer Rating: 4 / 5
Journey® Student Rewards from Capital One®
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Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 20.74% (Variable) $0
  • 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
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Consumer Rating: 5 / 5
Total Visa Card
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Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A See Terms* See Terms*
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
Fingerhut Credit Account
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 25.65% $0
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Consumer Rating: 4 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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Check off your current active bank accounts. Don't check anything if you haven't active accounts.
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.