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CREDIT CARDS & LOANS FOR NO CREDIT HISTORY: 2025
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.
April 2025: BEST OPTION FOR NO CREDIT
Compare now (13) »
Regular APR
No interest
Annual Fee
$0
Credit Check
No
Credit Bureau Reporting
Yes
- To apply for Credit Builder, you must have an active Chime® Checking Account.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
More Credit Offers for No Credit
Fair / Poor Credit
- Pre-qualify with no impact to your credit score.
- Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build** credit, now it’s your turn.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- Our mobile app helps you keep track of your spending and payments for greater financial control.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
- Excellent option for a low fully refundable security deposit, get started with just $100
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
Regular APR
28.99% (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
No
Fair / Poor Credit
- Pre-qualify with no impact to your credit score
- Helping people build** credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
Regular APR
See Provider Website
Annual Fee
See Provider Website
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 Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for 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. 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
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- A $750 revolving line of credit to use for Kikoff purchases
- Build payment history that gets reported to Equifax, Experian and TransUnion
Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
Fair / Poor Credit
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balance 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
- Choose a plan to build credit and savings at the same time!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
- Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
Regular APR
0.00%
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
This offer is not available in Vermont and Wisconsin.
- Get up to a +86 average341 FICO® Score increase on autopilot
- Largest credit builder in the nation
- Build from $2,000 up to $30,000 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
This offer is not available in Vermont and Wisconsin.
Checking Account Required
Yes
Maximum Loan Amount
$30,000
Minimum Loan Amount
$2,000
Employment Required
Yes
Fair / Poor Credit
- Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Credit limit increase eligible after 12 months of consistent responsible account management.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- Award-winning, U.S.-based customer service
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Check
Yes
Credit Bureau Reporting
Yes
- 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
- 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- May Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms 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 $200 – 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
$200
Minimum Loan Amount
$5
Employment Required
No
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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