Credit Card Offers for People with Limited or No Credit History

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:

• Prepaid - The easiest way to build up credit and reap the benefits of a credit card is to apply for a prepaid card. These cards do not require a credit history and can be used just like a regular credit card for online purchases and bill payments. Users also benefit from incentives like cash back offers. Best of all, you do not have to worry about late fees or exceeding your credit limit. If you are trying to establish your credit rating confirm that your credit will in fact be reported using this card because some prepaid cards 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.

• 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.