Credit Card Offers for Limited or No Credit History: 2020

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.

April 2020: BEST CREDIT CARD FOR LIMITED/NO CREDIT

Horizon Gold Application
Compare now (13) »
4
Card Overall Rating
Bad Credit
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.

More Credit Cards for Limited or No Credit

Green Dot Visa® Secured Credit Card Application
Compare
at Green Dot’s secure site
4
Card Overall Rating
Poor/Limited/No Credit
  • Good credit or bank account not required
  • Your application will not impact your credit score
  • Initial security deposit can be as low as $200
  • Raise your credit score with responsible card use
  • See additional Green Dot Visa® Secured Credit Card details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% (F)
Annual Fee
$39
4
Card Overall Rating
Bad / No Credit
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.89% (variable)
Annual Fee
$35
4
Card Overall Rating
Fair/Limited Credit
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build up your Credit with a card that reports to all three major credit bureaus every month.
  • 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 – it just takes moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (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 Synovus Bank, Member: FDIC.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
3
Card Overall Rating
See website for Details*
  • Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance - use it anywhere Visa is accepted.
  • Quick, easy application - apply online today!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.95% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Horizon Gold Application
Compare now (13) »
4
Card Overall Rating
Bad Credit
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms

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 credit bureaus 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.
Use your card to build credit. Many credit cards now include built-in benefits that help card holders establish good credit. The benefits may include late payment alerts, due payment reminders, free FICO score, and concierge service. All these features will help you be on time with your credit card payments and track your credit score on your online credit account.

GET YOUR OFFER MATCH
Check if you're pre-qualified for a credit offer
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1 minute
Will not affect your
credit score
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Debit Card
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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...
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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