Credit Cards for People with Limited Credit 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.

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® details
 APPLY NOW

at Discover's
secure site

--OR--

Call Discover at
877-360-3730


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    14 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    14 months
    Regular
    APR
    10.99% - 22.99% Variable*
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
No Credit Needed
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Conveniently send money to friends and family who have a RushCard with a card to card transfer.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Suede KLS Prepaid Visa® RushCard details
 APPLY NOW

at RushCard's
secure site

Credit Needed
No Credit Needed
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    N/A
    Annual
    Fee
    Variable Monthly Fees
    Credit Needed
    No Credit Needed
 APPLY ONLINE

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 complete Horizon Gold Card details
 APPLY NOW

at Horizon Gold's
secure site

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

Credit Needed
Bad Credit
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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.
  • See complete USAA Secured Card® Platinum MasterCard® details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    9.90%-19.90% (Variable)
    Annual
    Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Bad Credit
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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.
  • See complete USAA Secured Card® American Express® Card details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    9.90%-19.90% (Variable)
    Annual
    Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Fair Credit
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® for Students details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    6 months
    Balance Transfers
    Intro APR
    10.99%
    Balance Transfers
    Intro APR Period
    6 months
    Regular
    APR
    12.99%-21.99% Variable*
    Annual
    Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

Credit Needed
Fair/Bad Credit
  • 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
  • See complete Total VISA® Unsecured Credit Card details
 APPLY NOW

at Mid America Bank & Trust's
secure site

Credit Needed
Fair/Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    29.99%
    Annual
    Fee
    $75 for the first year, $48 annually after that
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

Credit Needed
Bad Credit
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • 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 $300 -- $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 complete 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
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    14.99% (Variable)
    Annual
    Fee
    $39
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Bad Credit
  • A secured credit card designed to help rebuild your credit
  • Reports to all 3 major credit bureaus
  • Low, fixed (Not variable) interest rate of 17.99%
  • Your security deposit can get you Min. $250/Max. $10,000 credit limit
  • Manage your account online
  • No application fee or penalty rate
  • Credit line secured by fully-refundable FDIC insured deposit submitted with application
  • See complete UNITY® Visa Secured Credit Card - The Comeback Card™ details
 APPLY NOW

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    9.95%
    Balance Transfers
    Intro APR Period
    6 months
    Regular
    APR
    17.99%
    Annual
    Fee
    $39
    Credit Needed
    Bad Credit
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