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 USAA's
secure site

Credit Needed
Bad Credit
  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
 APPLY NOW

at USAA's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.90%-20.90% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Horizon Gold's
secure site

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 additional Horizon Gold Card details
 APPLY NOW

at Horizon Gold's
secure site

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

at Genesis Bankcard Services's
secure site

Credit Needed
Good/Fair
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
  • See additional Milestone® Gold MasterCard® details
 APPLY NOW

at Genesis Bankcard Services's
secure site

Credit Needed
Good/Fair
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    23.90%
    Annual Fee
    $35-$99 (varies by credit level)
    Credit Needed
    Good/Fair
 APPLY ONLINE

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed 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
  • 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 PREMIER® Bank's
secure site

Credit Needed
Bad Credit
  • No credit history required to apply for this credit card
  • Application response in as little as 30 seconds.
  • This is a genuine secured credit card - not a debit or prepaid card.
  • 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.
  • Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
  • Quarterly FICO score on your monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
  • 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 PREMIER® Bank's
secure site

Credit Needed
Fair/Bad Credit
  • Must have a checking account to qualify
  • Your $150.00 Security Deposit remains yours if you close your account with a $0.00 balance.
  • Credit card response in 60 seconds or less.
  • $0 Fraud Liability on unauthorized charges. Restrictions apply.
  • Reports monthly to the major Consumer Reporting Agencies.
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply!
  • See additional Centennial® Classic Credit Card details
 APPLY NOW

at First PREMIER® Bank's
secure site

Credit Needed
Fair/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
    Fair/Bad Credit
 APPLY ONLINE

at Citi's
secure site

Credit Needed
New to Credit
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • 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
    23.49%* (Variable)
    Annual Fee
    $0
    Credit Needed
    New to Credit
 APPLY ONLINE

at Mid America Bank & Trust's
secure site

Credit Needed
Bad/Fair
  • Checking Account Required
  • 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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
  • See additional Total VISA® Unsecured Credit Card details
 APPLY NOW

at Mid America Bank & Trust's
secure site

Credit Needed
Bad/Fair
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Terms*
    Annual Fee
    See Terms*
    Credit Needed
    Bad/Fair
 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 Merrick Bank's
secure site

Credit Needed
Bad Credit
  • Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options - several convenient options to easily submit your security deposits.
  • Worldwide acceptance - use it anywhere Visa is accepted.
  • Quick, easy application - apply online today!
  • See additional The Secured Visa® from Merrick Bank details
 APPLY NOW

at Merrick Bank's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    18.45% (Variable)
    Annual Fee
    $36
    Credit Needed
    Bad Credit
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