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 Citi's
secure site

Credit Needed
New to Credit
  • Start building credit for tomorrow
  • A security deposit is required for this product (minimum $200)
  • Unlike a prepaid card, it helps build credit history, with monthly notifications to the credit bureaus
  • 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
    22.24%* (Variable)
    Annual Fee
    $0
    Credit Needed
    New to 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 Next Millennium 's
secure site

Credit Needed
No Credit Check
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
 APPLY NOW

at Next Millennium 's
secure site

Credit Needed
No Credit Check
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    N/A
    Annual Fee
    $0
    Credit Needed
    No Credit Check
 APPLY ONLINE

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 12/31/16 and accounts must be in good standing for 90 days after opening.
  • Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low 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
  • Build your credit with 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 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 First PREMIER Bank's
secure site

Credit Needed
Bad Credit
  • If approved, fund your Security Deposit to open your account. Once open, you will have the opportunity to build your credit limit up to $5,000.
  • This is a genuine secured credit card - not a debit or prepaid card.
  • Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
  • Security Deposits are placed in an FDIC-insured account.
  • Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts.
  • No credit history required to apply for this credit card.
  • Join millions of First PREMIER Bank credit cardholders. Apply Now!
  • Top 20 Issuer of MasterCard Credit Cards
  • See additional First PREMIER® Bank Secured Credit Card details
 APPLY NOW

at First PREMIER Bank's
secure site

Credit Needed
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
    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!
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See additional First Progress Platinum Prestige 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
    11.99% (Variable)
    Annual Fee
    $44
    Credit Needed
    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 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
 APPLY ONLINE

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low 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
  • Build your credit with 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 First Choice Bank's
secure site

Credit Needed
No credit/Bad credit
  • Build Credit History - Reports to all 3 nationwide credit bureaus
  • Low Fixed Interest Rate - 13.99% APR on purchases, with no penalty rate.
 APPLY NOW

at First Choice Bank's
secure site

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