Credit Cards for Limited or No Credit History

The following Credit Cards and Prepaid Debit Cards are for people with limited or no credit history. Compare offers side by side and apply online for the card that is right for you.

Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt or has a co-signer over the age of 21 who agrees to accept joint liability for the account.

See offers from our partners below.

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 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Secured Card® American Express® Card details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.15%-20.15% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at CreditCards.com's
secure site

Credit Needed
Find out your credit score today!
  • Get your free credit report and score.
  • Enroll in free credit monitoring. We'll let you know if something changes on your credit report.
  • Stay on top of your credit activity with free monthly updates to your report and score.
  • Find out which cards are right for you based on your credit.
  • Stay tuned for the latest card offers from our partners.
  • See additional Free Credit Report and Score details
 APPLY NOW

at CreditCards.com's
secure site

Credit Needed
Find out your credit score today!
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    N/A
    Annual Fee
    Free
    Credit Needed
    Find out your credit score today!
 APPLY ONLINE

at Horizon Gold's
secure site

Credit Needed
Bad Credit
  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
  • See additional Horizon Gold Card details
 APPLY NOW

at Horizon Gold's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    0.00% for N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    0.00%
    Annual Fee
    $24.95 benefits plan membership will be auto-debited monthly
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Gettington's
secure site

Credit Needed
Fair Credit
  • Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
  • When you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
 APPLY NOW

at Gettington's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    14.90% - 19.90%
    Annual Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • 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.
  • See additional OpenSky® Secured Visa® Credit Card details
 APPLY NOW

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    17.64% (Variable)
    Annual Fee
    $35
    Credit Needed
    No Credit Check
 APPLY ONLINE

at First PREMIER Bank's
secure site

Credit Needed
Fair/Bad Credit
  • Have a checking account? Apply today!
  • Your $150.00 Security Deposit remains yours if you close your account with a $0.00 balance.
  • Reports monthly to the major Consumer Reporting Agencies.
  • Credit card response in 60 seconds or less.
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply!
  • See additional Centennial® Classic Credit Card details
 APPLY NOW

at First PREMIER Bank's
secure site

Credit Needed
Fair/Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Issuer Website
    Annual Fee
    See Issuer Website
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at First Progress's
secure site

Credit Needed
Bad Credit
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • 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
  • See additional First Progress Platinum Elite MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    19.99% (Variable)
    Annual Fee
    $29
    Credit Needed
    Bad Credit
 APPLY ONLINE

at primor's
secure site

Credit Needed
Limited/No Credit
  • Low fixed 9.99% interest rate on purchases! Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
  • Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • *See application for additional details
  • See additional primor® Secured Visa Gold Card details
 APPLY NOW

at primor's
secure site

Credit Needed
Limited/No Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    9.99%
    Annual Fee
    $49
    Credit Needed
    Limited/No Credit
 APPLY ONLINE

at Mid America Bank & Trust's
secure site

Credit Needed
Bad/Fair
  • 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
  • This program is not currently available in New York or Wisconsin
  • See additional Total VISA® Unsecured Credit Card details
 APPLY NOW

at Mid America Bank & Trust's
secure site

Credit Needed
Bad/Fair
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Terms*
    Annual Fee
    See Terms*
    Credit Needed
    Bad/Fair
 APPLY ONLINE

at First Progress's
secure site

Credit Needed
Bad Credit
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • 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
  • See additional First Progress Platinum Select MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    14.99% (Variable)
    Annual Fee
    $39
    Credit Needed
    Bad Credit
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