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CREDIT CARDS & LOANS FOR NO CREDIT HISTORY: 2026
This section is for people with little experience (if at all) of having a credit card. Try one of our expert recommended cards, designed specifically for people with Limited or No Credit! Pay closer attention to secured credit cards. Now, during the crisis, credit card issuers do not want to risk and tighten approval requirements. Secured cards require a refundable security deposit, which acts as collateral, and therefore, the risk of being denied becomes lower.
June 2026: BEST OPTION FOR NO CREDIT
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Regular APR
No interest
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
- To apply for a Chime Card™, Chime® Checking Account is required to apply.
- Build your credit history.398
- Earn cash back (2% cash back399 on category of choice, e.g., gas and groceries) with Chime Plus™* status.
- No annual fees or interest. No credit check to apply.400
More Credit Offers for No Credit
Fair / Poor Credit
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balances low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build** your credit.
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
- 1% cash back on all purchases. Unlock 3% on gas and groceries with AutoPay
- No Annual Fee
- 1-10% cash back at select national merchants
- Credit limit increases in as early as 4 months for qualified borrowers
- Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
- Build credit alongside hundreds of thousands of Tilt card members
- Tilt reports to all 3 major credit bureaus
- Freeze your card in the mobile app at any time for peace of mind
- Zero liability fraud coverage
- No security deposits required
- Card issued by WebBank
- Rates & Fees
Regular APR
29.99% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
- Start building credit with just $150 – secure you line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
Regular APR
28.24% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Check
No
Credit Bureau Reporting
Yes
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
- Bad Credit, No Credit? No Problem!
- No Employment or Credit Check
- Fast and Easy Application
- $750 Merchandise Credit Line
- No Sign Up Fees
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Bureau Reporting
Yes
- 1-10% cash back at select national merchants
- No Credit Score? No problem. Credit history isn’t required for approval
- No annual fee and no security deposit required
- Credit limit increases in as early as 4 months for qualified borrowers
- Build credit alongside hundreds of thousands of Tilt card members
- Tilt reports to all 3 major credit bureaus
- Freeze your card in the mobile app at any time for peace of mind
- Zero liability fraud coverage
- Card issued by WebBank
- Rates & Fees
Regular APR
29.24% - 34.24% Variable
Annual Fee
$0
Credit Check
Yes
Credit Bureau Reporting
Yes
- No Monthly Fees.
- Get fee-free overdraft up to $200* with SpotMe®.
- Get your paycheck up to 2 days early^ with direct deposit.
- Chime® is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
- *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
- ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No monthly fees or maintenance fees
Overdraft Available
Yes
This offer is not available in Vermont and Wisconsin.
- Get up to a +88 average* FICO® Score increase on autopilot
- Designed for the biggest long-term impact on your credit score
- Build from $1,000 up to $25,000 of credit history starting at low monthly payments
- Great if you want to access premium CCs & higher credit limits
- No credit history needed; no hard check required
- No prepayment or early cancellation fees
- *Average first-year credit score impact of +88 points in 2024 for CreditStrong account users who started with a score below 550; who paid on-time for consecutively 12 months; and who had no delinquencies or collections added to their credit profile during the period. Individual results may vary.
This offer is not available in Vermont and Wisconsin.
Checking Account Required
Yes
Maximum Loan Amount
$25,000
Minimum Loan Amount
$1,000
Employment Required
Yes
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Regular APR
24.99%
Annual Fee
$60*
Credit Check
Yes
Credit Bureau Reporting
Yes
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- Up to $3,500 Kickoff tradeline
- Build payment history that gets reported to Equifax, Experian and TransUnion
Checking Account Required
No
Maximum Loan Amount
$3,500
Minimum Loan Amount
See terms
Employment Required
Yes
- Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
- If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa® Credit Card*, without a hard credit check. Criteria subject to change.
- Build credit and savings at the same time.
- Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.
- At the end of your plan, unlock the savings you built - minus interest and fees.
- The secured Self Visa® Credit Card is accepted at millions of locations in the U.S.
- *Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The Secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
- ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.
Checking Account Required
Yes
Maximum Loan Amount
See website for details*
Minimum Loan Amount
See website for details*
Employment Required
No
- Credit for everyone - Regardless of your credit history!
- See an average FICO increase of 81 pts in 6 months
- Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
- No minimum security deposit required.
- Reports monthly to all three major credit bureaus.
- View Product Disclosures
Regular APR
N/A
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Merchandise Credit Line
- Exclusive Member Benefits
- Start Shopping Right Away!
Regular APR
0%
Annual Fee
See terms
Credit Check
No
Credit Bureau Reporting
No
- Fast and easy application process
- We may periodically review your account for Credit Line Increases
- May help strengthen your credit history with responsible use
- No Hidden Fees^
- $0 Foreign Transaction Fees
- Conveniently pay your card through our online portal, 24/7
- Zero Fraud Liability for Unauthorized Charges
- Avant branded credit products are issued by WebBank
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Late Fee up to $39
- Returned Payment Fee : Up to $25
- ^See the Provider’s terms for more information
Regular APR
35.99%^
Annual Fee
$0^
Credit Check
Yes
Credit Bureau Reporting
Yes
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0%
Annual Fee
See website for Details*
Credit Check
No
Credit Bureau Reporting
No
- Help build your credit450
- Spend your rewards anywhere with a Super.com Card451
- Earn unlimited cashback on Super.com Card purchases451
- Earn 1% cashback on all purchases451
- 10% cashback on hotels booked with Super.com452
- Plus additional savings on gas, prescriptions and more - all with no credit check452
- Join Super+ for $15/Month452
Regular APR
0%
Annual Fee
No annual fee with paid Super+ Membership
Credit Check
No
Credit Bureau Reporting
Yes
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- †See the Rewards Terms and Conditions for more information
Regular APR
35.99%^
Annual Fee
$39^
Credit Check
Yes
Credit Bureau Reporting
Yes
- Get your advance now.
- Access your cash: Get a Klover advance – up to $750 – with no credit check.
- Connect your account: Link your bank, so we know where to send your money.
- Sign up in seconds: Just enter your name, email and phone to get started.
- Turn quick action into points.
Checking Account Required
Yes
Maximum Loan Amount
$750
Minimum Loan Amount
$5
Employment Required
No
- The first credit card backed by vehicle equity.
- Pre-approval decision in 1 minute.
- $4,400 average credit limit - up to $10,000.
- Fast access with the virtual card and cash advances.
- Unlimited 1.5% cashback on all purchases.
- Reports to the 3 major credit bureaus monthly.
Regular APR
24.88% to 35.88%
Annual Fee
$40
Credit Check
Yes
Credit Bureau Reporting
Yes
- Accepts immigrants and internationals without an SSN
- Build credit faster
- No credit check or hard inquiry
- Earn up to 15% cashback at selected merchants
- Get up to 4.00% APY396
- 0% APR
- You're pre-approved.397 Apply now with no risk to your credit score
Regular APR
0%
Annual Fee
$72-$144
Credit Check
No
Credit Bureau Reporting
Yes
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 potentially 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 to the major consumer reporting agencies because there are still secured cards that are not reported to any credit bureau.
- 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 banks or credit card companies. 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.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on...
We can recommend you start with secured credit cards. These cards require a security deposit paid upfront. A secured credit card is a good way to build your credit history as it reports the account activity to major credit bureaus. You just need not...
If you do not have any credit history, you should consider credit cards for people with limited or no credit history. We recommend you consider secured credit cards. Don't worry about security deposit as it is refundable. Also, some secured cards...
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