CreditCards.com Visa credit cardsMasterCard credit cardsAmerican Express credit cardsDiscover credit cards

Friday, November 21st 2014

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.

Capital One® Platinum Credit Card
Email offer
Capital One Platinum Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-820-6029

Capital One Platinum Credit Card
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 24.9% (Variable) $0 intro for first year; $19 after that Fair Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card
Email offer
Capital One QuicksilverOne  Cash Rewards Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-819-6467

Capital One QuicksilverOne  Cash Rewards Credit Card Application
  • 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 September 2015; 22.9% variable APR after that
  • 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
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 09/2015 0% Until 09/2015 22.9% (Variable) $39 Fair Credit

Capital One® Classic Platinum Credit Card
Email offer
Capital One Classic Platinum Credit Card

At Capital One's
secure site

--OR--

Call Capital One at
888-822-4203

Capital One Classic Platinum Credit Card Application
  • 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
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 20.9% (Variable) $39 Fair Credit

Midnight Prepaid Visa® RushCard
Email offer
Midnight Prepaid Visa RushCard

At RushCard's
secure site

Midnight Prepaid Visa RushCard Application
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Midnight Prepaid Visa® RushCard details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Needed

Pink ACE Elite™ Visa® Prepaid Card
Email offer
Pink ACE Elite Visa Prepaid Card Offer

At Ace Cash Express's
secure site

Pink ACE Elite Visa Prepaid Card
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
  • Enroll in direct deposit today — receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance— by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards — get special offers and account credits when you use them.*
  • See complete Pink ACE Elite™ Visa® Prepaid Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A up to $9.95 monthly fee No Credit Check

Capital One® Secured MasterCard®
Email offer
Capital One Secured MasterCard

At Capital One's
secure site

--OR--

Call Capital One at
888-825-2191

Capital One Secured MasterCard
  • 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
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 22.9% (Variable) $29 Bad Credit

Discover it®
Email offer
Discover it

At Discover's
secure site

--OR--

Call Discover at
877-360-3730

Discover it Application
  • 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.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • 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 Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 14 months 0% 14 months 10.99% - 22.99% Variable* $0 Excellent Credit

USAA Secured Platinum American Express Card
Email offer
USAA Secured Platinum American Express Card

At USAA Savings's
secure site

USAA Secured Platinum American Express Card
  • 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.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • See complete USAA Secured Platinum American Express Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 9.90% (Variable) $35 Bad Credit

JourneySM Student Rewards from Capital One®
Email offer
Journey<sup>SM</sup> Student Rewards from Capital One®

At Capital One's
secure site

Journey<sup>SM</sup> Student Rewards from Capital One®
  • Earn 1% cash back on every purchase
  • For every month you pay on time, you receive a 25% bonus—that's 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 fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly payment 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 JourneySM Student Rewards from Capital One® details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 19.8% (Variable) $0 Average*

Discover it® chrome for Students with $20 Cashback Bonus
Email offer
Discover it Chrome for Students with $20 Cashback Bonus

At Discover's
secure site

Discover it Chrome for Students with $20 Cashback Bonus Application
  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • 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*.
  • Free FICO® Credit Score online and on your monthly statements so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.-based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® chrome for Students with $20 Cashback Bonus details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 10.99% 6 months 12.99% - 21.99% Variable* $0 Fair Credit



* See the online credit cards for people with limited or no credit history applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.


 
USA   |   UK   |   Australia   |   Canada
initiator