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 Credit One Bank's
secure site

Credit Needed
Bad Credit
  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Show off your style with a premium card design, a fee may apply.
  • See additional Credit One Bank® Unsecured Platinum Visa® details
 APPLY NOW

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.65% - 24.15% Variable
    Annual Fee
    $0 - $99
    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 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 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 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 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 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
    22.49%* (Variable)
    Annual Fee
    $0
    Credit Needed
    New to 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 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
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