Credit Card Offers for Limited or No Credit History: 2018

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.

January 2018: BEST CREDIT CARD FOR LIMITED/NO CREDIT

Horizon Gold Credit Card Application
Compare now (40) »
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.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.

More Credit Cards for Limited or No Credit

National Credit Direct Application
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4
Card Overall Rating
Any Credit
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • FREE: Get your credit score every month and reasons affecting it.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.0%
Annual Fee
$49
First Access Visa Application
Compare now (40) »
4
Card Overall Rating
Fair/Bad Credit
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
Total Visa Card Application
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4
Card Overall Rating
Bad/Fair Credit
  • 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!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
4
Card Overall Rating
Bad Credit
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
See Terms
Annual Fee
$0
Total Visa Card Application
Compare now (40) »
4
Card Overall Rating
Bad/Fair Credit
  • 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!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
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.

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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.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
We would not recommend you get the Firestone credit card as your first credit card. This card is mostly for consumers with established credit history. But don't worry if you don't have a credit history. There are a lot of cards for limited or no...
The most important thing when you choose a credit card is your credit score. When you know your credit score you can easily choose the card you most likely will be approved for. So, check your credit reports to find out your credit score. When you...
Unfortunately, you do not have so many chances for the Home Depot credit card if you are completely new to the world of credit and have no established credit history. Instead, think about building your credit with a card designed for that. You can...
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