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.

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 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Fair Credit
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use
  • See additional Capital One® Platinum Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    24.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair Credit
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online. Plus, get 100% U.S. based customer service.
  • Freeze It℠ on/off switch for your account that lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • See additional Discover it® for Students details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    0% for 6 months
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    13.24%-22.24% Variable
    Annual Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Fair Credit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
 APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    0% intro on purchases for 9 months
    Balance Transfers Intro APR
    0% intro on balance transfers for 9 months
    Regular APR
    23.24% (Variable)
    Annual Fee
    $39
    Credit Needed
    Fair Credit
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair Credit
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online. Plus, get 100% U.S. based customer service.
  • Freeze It℠ on/off switch for your account that lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • See additional Discover it® chrome for Students details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    0% for 6 months
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    13.24% - 22.24% Variable
    Annual Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Bad Credit
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • 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 additional Capital One® Secured MasterCard® details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    24.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes
  • Extra credit when you need it, increase your credit line up to $5000 at any time*
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
  • 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 Discover's
secure site

Credit Needed
Fair/New to Credit
  • No annual fee. No late fee on your first late payment. Paying late won't raise your APR.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
  • Your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).
  • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your Discover card benefits.
  • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.
  • FICO® Credit Score for free on monthly statements & online.
  • See additional Discover it® Secured Credit Card details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    23.24% Variable
    Annual Fee
    $0
    Credit Needed
    Fair/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 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 USAA Savings's
secure site

Credit Needed
Bad Credit
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, 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.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Secured Card® Platinum Visa® details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.15%-20.15% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Fair Credit
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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
  • See additional Journey® Student Rewards from Capital One® details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    20.24% (Variable)
    Annual Fee
    $0
    Credit Needed
    Fair Credit
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