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.

 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Fair Credit
  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account—even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee—and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® Platinum Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-820-6029


Credit Needed
Fair 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
    24.9% (Variable)
    Annual
    Fee
    $0 intro for first year; $19 after that
    Credit Needed
    Fair Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Fair Credit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time—cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® QuicksilverOne® Cash Rewards Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-819-6467


Credit Needed
Fair Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 01/2016
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 01/2016
    Regular
    APR
    22.9% (Variable)
    Annual
    Fee
    $39
    Credit Needed
    Fair Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Fair Credit
  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account—even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee—and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® Classic Platinum Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-822-4203


Credit Needed
Fair 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
    20.9% (Variable)
    Annual
    Fee
    $39
    Credit Needed
    Fair 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.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.7 See card site for details.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Edge 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
No Credit Needed
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete 24k 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

 APPLY BY PHONE
Credit Needed
Bad Credit
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness—no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card—accepted at millions of locations worldwide
  • See complete Capital One® Secured MasterCard® details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-825-2191


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
    24.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Average*
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time—for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Journey® Student Rewards from Capital One® details
 APPLY NOW

At Capital One's
secure site

Credit Needed
Average*
  • 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
    19.8% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Average*
  • 5% cash back in categories that change each quarter. Now - June 30 earn 5% at Restaurants & Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.
  • Redeem your cashback for any amount, any time*. Your cash back never expires.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 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
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
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
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