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.

Best Limited / No Credit Cards

$0 Annual Fee
Earn unlimited 1.5% cash back
$500 Credit Limit
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. N/A
Intro APR on Purchases N/A
Regular APR 24.99% (Variable)
Annual Fee $0
Pay no annual fee
  • 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
 
Consumer Rating: 5 / 5

Other Limited / No Credit Cards

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) $39
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire 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
 
Consumer Rating: 5 / 5
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.
 
Consumer Rating: 4 / 5
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 25.15% $0
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
 
Consumer Rating: 4 / 5
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 N/A $0
  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
 
Consumer Rating: 4 / 5
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 20.24% (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 don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
 
Consumer Rating: 5 / 5
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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.