You're on your way to great credit, but you have to start somewhere. These credit card offers from our partners are available to those with limited or no credit history and are a great step forward to building your credit history. Currently in school? Check out these partner offers just for students. 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.
CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.
Updated: February 7, 2018
For more credit cards tailored to college students or recent graduates with a short or no credit history, see our student credit cards.
When you are just starting out, it can be tough to land the car you want, the apartment you need and even the job you are hoping for. Why? Because so much of our society centers around having good credit. But in a few short months, you can establish credit and be on your way to financial bliss. Here, we look at:
Find out more about building credit:
If you are over 21 years old, you don’t have to have a job to apply for a credit card, provided that you have reasonable access to income, for example that of a partner or spouse. The Consumer Financial Protection Bureau amended the CARD Act of 2009 in 2013 to allow at-home parents the ability to get a credit card without a job.
However, if you are under 21, it gets trickier, because in an attempt to protect young consumers, the 2009 law requires them to have income of their own when applying for a card. This does not apply if you are applying as an authorized user.
|Best For||Card||Annual Fee|
|Flat-rate Rewards||Capital One® QuicksilverOne® Cash Rewards Credit Card||$39|
|Dining and Gas||Discover it® chrome for Students||$0|
|No Annual Fee||Capital One® Platinum Credit Card||$0|
|Everyday Spending||Discover it® Secured Card||$0|
|Online Shopping||Discover it® for Students||$0|
|Growing Credit Line||Capital One® Secured Mastercard®||$0|
|No Foreign Transaction Fee||Journey® Student Rewards from Capital One®||$0|
|Building Credit||OpenSky® Secured Visa® Credit Card||$35|
|Fast Pre-qualification||Green Dot® Platinum Visa® Secured Credit Card||$39.99|
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