CREDIT CARDS & LOANS FOR NO CREDIT HISTORY: 2021

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.

October 2021: BEST CREDIT CARD FOR NO CREDIT

4
Card Overall Rating
Fair / Bad Credit
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Check
Yes
Credit Bureaus Reporting
Yes
  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.

More Credit Offers for No Credit

4
Card Overall Rating
Fair / Bad Credit
  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Check
Yes
Credit Bureaus Reporting
Yes
Group One Freedom Card Application
Compare now (14) »
4
Card Overall Rating
  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Regular APR
19.99%
Annual Fee
$69
Credit Check
Yes
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
  • Fast approval in as little as 2 minutes
  • Your money directly deposited into your account
  • Safe and Secure
  • Flexible Payments
  • All Credit Types
Checking Account Required
Yes
Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Employment Required
Yes
5
Loan Overall Rating
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.
Checking Account Required
Yes
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Employment Required
Yes
5
Loan Overall Rating
All Credit Considered
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
4
Card Overall Rating
See website for Details*
  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Regular APR
19.45% - 28.45% *Variable
Annual Fee
$0-$72
Credit Check
Yes
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Fair/Bad/Limited/No Credit
  • Simple and transparent
  • Fast and easy application process
  • 24/7 payments through a best-in-class online portal
  • Stronger credit with responsible use
  • If you're looking to access your funds quickly, stretch your money further and build a stronger financial foundation for your life, Avant Mastercard® is the perfect card option for you.
  • Checking to see if you qualify does not impact your current credit score and the application process is fast and easy.
  • Credit Rebuilding: Avant Credit Card is designed to help you rebuild your credit with responsible use
  • Borrowing Sensibly: You like to be in control and you hate surprises. With our card, you get access to credit at a fair price
  • Establishing New Credit: A stellar credit score doesn’t happen overnight. Avant Credit Card is a simple, affordable step to building a solid credit history
Regular APR
25.99% (Variable)
Annual Fee
$39
Credit Check
Yes
Credit Bureaus Reporting
Yes
3
Card Overall Rating
  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
Regular APR
18.90% (fixed)
Annual Fee
$39.00
Credit Check
Yes
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • 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.
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureaus Reporting
Yes
5
Loan Overall Rating
All Credit Types Considered
  • Request a loan in 2 minutes or less
  • Direct deposit as soon as the next business day
  • All credit types considered
  • Safe and secure online form
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
4
Card Overall Rating
Fair/Bad/Limited/No Credit
  • Simple and transparent
  • Fast and easy application process
  • 24/7 payments through a best-in-class online portal
  • Stronger credit with responsible use
  • If you're looking to access your funds quickly, stretch your money further and build a stronger financial foundation for your life, Avant Mastercard® is the perfect card option for you.
  • Checking to see if you qualify does not impact your current credit score and the application process is fast and easy.
  • Credit Rebuilding: Avant Credit Card is designed to help you rebuild your credit with responsible use
  • Borrowing Sensibly: You like to be in control and you hate surprises. With our card, you get access to credit at a fair price
  • Establishing New Credit: A stellar credit score doesn’t happen overnight. Avant Credit Card is a simple, affordable step to building a solid credit history
Regular APR
24.99% (Variable)
Annual Fee
$59
Credit Check
Yes
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Credit Bureaus Reporting
Yes
3
Card Overall Rating
Poor/Limited/No Credit
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
Regular APR
13.99% (V)
Annual Fee
$39
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More! And 1% cashback on everything else!
  • No credit check or US credit history required.
  • No SSN required for non-US citizens.
  • Build US credit history from day 1 at major credit bureaus (get $25 when you build your credit score to a 700+ credit score within 12 months of use).
  • Get unsecured in as little as 4 months!
  • No annual fee, no foreign transaction fees, no minimum security deposit.
  • Premium benefits like Cell Phone Protection (including cracked screens!) and Car Rental Insurance coverage!
  • Please see https://sablecard.com/tcs for terms and conditions.
Regular APR
Prime + 6.99% APR
Annual Fee
$0
Credit Check
No
Credit Bureaus 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.
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 date reminders, free FICO score, and concierge service. All these features may 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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Will not affect your
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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...
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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