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 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 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.
  • Credit card response in 60 seconds or less.
  • $0 Fraud Liability on unauthorized charges. Restrictions apply.
  • Reports monthly to the major Consumer Reporting Agencies.
  • 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 Citi's
secure site

Credit Needed
New to Credit
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
  • See additional Citi® Secured Mastercard® details
 APPLY NOW

at Citi's
secure site

Credit Needed
New to Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    23.24%* (Variable)
    Annual Fee
    $0
    Credit Needed
    New to 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 OneUnited's
secure site

Credit Needed
Bad Credit
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
  • See additional UNITY® Visa Secured Credit Card details
 APPLY NOW

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    9.95% for 6 months
    Regular APR
    17.99% (Fixed)
    Annual Fee
    $39
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Luxe Signature's
secure site

Credit Needed
Bad Credit
  • 0% Interest for Members!
  • The Power to Purchase!
 APPLY NOW

at Luxe Signature's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    N/A
    Annual Fee
    $0
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit
  • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC248
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • See additional Fingerhut Credit Account details
 APPLY NOW

at Fingerhut'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
    $0
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at primor's
secure site

Credit Needed
No Credit Check
  • 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
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
  • Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • Fast, easy application process
  • No processing or application fees!
  • *See application for additional details
  • See additional primor® Secured Visa Classic Card details
 APPLY NOW

at primor's
secure site

Credit Needed
No Credit Check
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99%
    Annual Fee
    $39
    Credit Needed
    No Credit Check
 APPLY ONLINE

at primor's
secure site

Credit Needed
Bad Credit/No Credit
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
  • *See application for additional details
  • See additional primor® Secured MasterCard Classic Card details
 APPLY NOW

at primor's
secure site

Credit Needed
Bad Credit/No Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99%
    Annual Fee
    $39
    Credit Needed
    Bad Credit/No Credit
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