Without SSN
Apply now
On Capital One‘s site

Best Credit Cards for First Time Applicants 2022

The credit card has become an essential part of everyday life. A good credit score can make your life easier, so it’s important to start building it as early as you can and choose your first credit card wisely. You will likely end up getting a starter credit card, as your credit score will be low or non-existent. But a starter credit card doesn’t mean a bad credit card, as there are many good options for first-time users. In this article, we will navigate through the best starter credit cards. Also, we will explain how to choose the best credit card just for you and how to make the most of it.

By Hanna Volkava
Updated November 29, 2022

Best Credit Cards for First time applicants in November 2022

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Capital One Platinum Credit Card best for Without SSN

Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.91
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Get the credit you need with Platinum Mastercard® from Capital One.

    Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.

    You're also covered by $0 Fraud Liability if your card is ever lost or stolen.

  • Pros:
    • Chance to get a higher credit limit
    • No annual fee
    • No foreign transaction fees
    • Platinum Mastercard benefits
    • No Penalty APR for late payments
    • Get approval with a fair credit score
  • Cons:
    • High Regular APR
    • No rewards
    • No sign-up bonus
    • You don’t get to enjoy a reduced introductory rate
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
View all Platinum Mastercard details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail

Journey Student Rewards from Capital One best for Without SSN

Capital One Journey Student
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.79
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Build credit history with Journey Student Credit Card. 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.

    The Journey Student Card has no annual fee or foreign transaction fees. The Card's APR: 28.49% Variable.

  • Pros:
    • Rewards program with bonus points
    • No annual fee
    • Automatic credit limit increase reviews
    • No foreign transaction fees
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • No bonus categories
  • Benefits:
    • 1% Cash Back on every purchase;
    • 1.25% extra Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
View all Journey Student Credit Card details
Apply now
On Capital One‘s site
Card detail

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 28.49% (Variable).

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
Apply now
On Capital One‘s site
Card detail

The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% Variable
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FIT® Platinum Mastercard® Credit Card helps to rebuild or build your credit.

      The FIT® Platinum Mastercard® Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

      The FIT® Platinum Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

      Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Credit may increase with time
      • Low eligibility requirements
      • Reasonable credit limit
      • No Security deposit
      • Credit Score Access
    • Cons:
      • High extra fees
      • High APR
      • Foreign Transaction Fee
      • No reward program
      • No Sign up Bonus
    • Benefits:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT® Platinum Mastercard® details
    Apply now
    On The Bank of Missouri‘s site
    Card detail
    The Mission Lane Visa® Mission Lane LLC
    Annual fee:
    $0 - $59
    Regular APR:
    26.99% - 29.99% Variable
    Our Rating:
    3.05
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Transportation Alliance Bank
      • Details:

        The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

        The annual fee for this card is $0 – $59.

        Read full review

      • Pros:
        • Higher credit lines
        • Reports to the three major credit bureaus
        • Instant credit decision
      • Cons:
        • High variable purchase APR
        • Annual fees up to $59
        • No rewards
        • Foreign transaction fee
        • Not available to everyone
      • Benefits:
        • Clear pricing & no hidden fees;
        • Higher credit lines over time;
        • The tools to help build your credit;
        • Credit-building education;
        • Instant credit decision;
        • All the coverage of Visa®.
      View all The Mission Lane Visa® details
      Apply now
      On Transportation Alliance Bank‘s site
      Card detail

      Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

      Celtic Bank Surge® Platinum Mastercard®
      Annual fee:
      $75 - $99 annually
      $99 annually
      Regular APR:
      24.99% - 29.99% Variable
      Our Rating:
      3.2
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Issuer name:
          Celtic Bank
        • Details:

          The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

          The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

          Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

          There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

          This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

          Read full review

        • Pros:
          • Monthly Credit Reporting
          • Free Monthly Credit Score
          • Potential Credit Limit Increase After 6 Months
          • Prequalification Without a Hard Check
        • Cons:
          • High Annual Fee
          • Relatively Low Credit Limit
          • Foreign Transaction Fee
          • Monthly Maintenance Fee After the 1st year
          • High APR
        • Benefits:
          • $0 Fraud Liability;
          • Monthly reporting to the three major credit bureaus;
          • Possible credit limit increase after just six months;
          • Free Monthly Credit Score.
        View all Surge® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail
        Revvi MRV Banks
        Annual fee:
        $75 for the first year
        $48 after *
        Regular APR:
        34.99% *
        Our Rating:
        4.1
        scorer
        Credit score
        Rebuilding Credit to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back on payments made to your Revvi Credit Card. ^^
        • Issuer name:
          MRV Banks
        • Details:

          The Revvi Card is designed for people with poor credit or no credit.

          The Revvi Card comes with a 1% Cash Back on payments.

          The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 34.99%.

          Read full review

        • Pros:
          • Cash Back
        • Cons:
          • Annual Fee
          • Extra Fees
        • Benefits:
          • 1% Cash Back Rewards;
          • Reports monthly to all three major credit bureaus;
          • Fast and easy application.
        View all Revvi details
        Apply now
        On the Revvi secure website
        Card detail
        Merit Platinum
        Annual fee:
        See website for details*
        Regular APR:
        None
        Our Rating:
        3.8
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Details:

            The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

            The card provides you with a merchandise credit line of $750*.

            Read full review

          • Pros:
            • Fast and Easy Application
          • Cons:
            • Valid at the Horizon Outlet store
          • Benefits:
            • $750 Merchandise Credit Line*;
            • No Employment or Credit Check.
          View all Merit Platinum details
          Apply now
          On Meritplatinum‘s website
          Card detail
          Double Your Line® Mastercard® Merrick Bank
          Annual fee:
          $0 - $72 annually
          Regular APR:
          22.45% - 30.70% *Variable
          Our Rating:
          4.1
          scorer
          Credit score
          No Credit History to Excellent (0-799)
            • Issuer name:
              Merrick Bank
            • Details:

              The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

              Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

              The APR for purchases is 22.45% - 30.70% (Variable). The card's annual fee: $0 - $72 annually.

              Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

              Read full review

            • Pros:
              • Double your credit line
              • $0 fraud liability
              • No security deposit is required
              • A free FICO score each month
              • A poor credit score is enough to apply
            • Cons:
              • High variable APR
              • No rewards
              • No balance transfer option
              • Cash advance fee
            • Benefits:
              • $0 Fraud Liability;
              • Double Your Line®;
              • Exclusive Platinum Mastercard® Benefits.
            View all Double Your Line® Mastercard® details
            Apply now
            On Merrick Bank‘s site
            Card detail

            WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

            Petal® 2 “Cash Back, No Fees” Visa® WebBank
            Annual fee:
            $0
            Regular APR:
            15.99% - 29.99% Variable
            Our Rating:
            3.8
            scorer
            Credit score
            No Credit History to Excellent (0-799)
            • Rewards Rate:
              • 1% - 1.5%:
              • Cash Back after making 12 on-time monthly payments.
              • 2% - 10%:
              • Cash Back from select merchants.
            • Issuer name:
              WebBank
            • Details:

              The Petal 2 Card has no fees of any kind and is designed to help you build credit.

              The credit limit is from $500 - $10,000.

              Grow your credit score with responsible spending and on-time payments.

              Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

              Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

              Read full review

            • Pros:
              • No annual fee
              • No returned payment fee
              • No foreign transaction fee
              • You can apply even if you have no credit history
              • No late fees
            • Cons:
              • No signup bonus
              • Cash advances are not permitted
              • Those who filed for bankruptcy may be rejected
              • Balance transfers are not allowed
              • No intro APR offer
            • Benefits:
              • No foreign transaction fee;
              • Petal 2 reports to all 3 major credit bureaus;
              • Qualify with average credit.
            View all Petal® 2 “Cash Back, No Fees” Visa® details
            Apply now
            On WebBank‘s site
            Card detail
            First Access Visa® The Bank of Missouri
            Annual fee:
            $75 annual fee for first year
            $48 annually
            Regular APR:
            34.99%
            Our Rating:
            4.2
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                The Bank of Missouri
              • Details:

                The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

                The First Access Visa Card's APR: 34.99%.

                The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

                Read full review

              • Pros:
                • Available to those with bad credit
                • Reports to three major credit bureaus
                • Easy application
                • No security deposit
              • Cons:
                • High APR
                • Several fees
                • Low credit limit
                • No rewards
              • Benefits:
                • First Access Visa credit card accepted nationwide;
                • Rebuild your credit;
                • Easy and Secure Online Application.
              View all First Access Visa® details
              Apply now
              On the First Access Visa® Card secure website
              Card detail

              Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

              Reflex® Platinum Mastercard®​ Celtic Bank
              Annual fee:
              $75 - $99 for the first year
              $99 after the first year
              Regular APR:
              24.99% - 29.99% Variable
              Our Rating:
              3.8
              scorer
              Credit score
              No Credit History to Good (0-739)
                • Issuer name:
                  Celtic Bank
                • Details:

                  The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

                  With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

                  Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

                  Read full review

                • Pros:
                  • Chance to get a higher credit limit
                  • All credit scores are welcome to apply
                  • Reports to three bureaus
                  • Check if you prequalify without affecting your credit score
                  • No deposit required
                • Cons:
                  • No rewards
                  • High Regular APR
                  • High annual fee
                  • Monthly maintenance fee
                  • Additional card fee
                  • Foreign transaction fee
                • Benefits:
                  • $0 Fraud Liability;
                  • Potential Credit Limit Increase After Just 6 Months;
                  • Free Monthly Credit Score;
                  • Monthly Reporting to All Three Major Credit Bureaus;
                  • Credit Protection program.
                View all Reflex® Platinum Mastercard® details
                Apply now
                On Celtic Bank‘s site
                Card detail

                Celtic Bank Indigo® Mastercard® best for Unsecured

                Indigo® Mastercard® Celtic Bank
                Annual fee:
                $0 - $99 annually
                Regular APR:
                24.9%
                Our Rating:
                3.7
                scorer
                Credit score
                No Credit History to Fair (0-669)
                  • Issuer name:
                    Celtic Bank
                  • Details:

                    The Indigo® Mastercard® credit card provides a good option for those who have bad credit or no credit history.

                    The Indigo® Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

                    The Indigo® Mastercard® has a high APR of 24.9%.

                    During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

                    When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

                    Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

                    Read full review

                  • Pros:
                    • No security deposit
                    • Quick and easy to apply
                    • Pre-qualification
                    • Fraud protection
                    • Has Mastercard ID Theft Protection
                  • Cons:
                    • Low credit limit
                    • No rewards or one-time offers
                    • Foreign transaction fee
                  • Benefits:
                    • A low foreign transaction fee of 1 percent;
                    • Choice of Card Image;
                    • Fraud Protection;
                    • 24/7 Account Access;
                    • Extended warranty coverage.
                  View all Indigo® Mastercard® details
                  Apply now
                  On Celtic Bank‘s site
                  Card detail
                  Total Visa® The Bank of Missouri
                  Annual fee:
                  $164 for first year (including one-time program fee of $89)
                  $48 annually *
                  Regular APR:
                  34.99% *
                  Our Rating:
                  3.32
                  scorer
                  Credit score
                  Rebuilding Credit to Fair (0-669)
                    • Issuer name:
                      The Bank of Missouri
                    • Details:

                      The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

                      The Total Visa® сard's Regular APR is 34.99%. There is a one-time $89 program fee.

                      The Total Visa® сard allows you to choose your own card design.

                      Read full review

                    • Pros:
                      • Low Requirements
                    • Cons:
                      • Annual Fee
                      • High Regular APR
                      • No Intro APR period
                      • Extra Fees
                    • Benefits:
                      • $0 fraud liability;
                      • Reports monthly to all three major credit bureaus;
                      • Manageable monthly payments;
                      • Select your favorite card design for free.
                    View all Total Visa® Unsecured details
                    Apply now
                    On the Total Visa® Card secure website
                    Card detail

                    The Bank of Missouri Milestone Mastercard® best for Unsecured

                    Milestone Mastercard® The Bank of Missouri
                    Annual fee:
                    $35 - $99 Dependent on credit worthiness
                    Regular APR:
                    24.9%
                    Our Rating:
                    3.5
                    scorer
                    Credit score
                    No Credit History to Fair (0-669)
                      • Issuer name:
                        The Bank of Missouri
                      • Details:

                        The Milestone Mastercard® is a credit card for people with bad credit.

                        The Milestone Mastercard® card's APR: 24.90% (Regular). Plus, the card has a cash advance APR of 29.90% and a penalty APR of 29.90%.

                        The credit limit for a Milestone Mastercard® is $300.

                        Read full review

                      • Pros:
                        • Low application requirements
                        • No security deposit
                        • Low foreign transaction fee
                        • Reports to three major credit bureaus
                      • Cons:
                        • Annual fee
                        • Additional fees and high APR
                        • Low credit limit
                        • No rewards system
                      • Benefits:
                        • Fraud Protection;
                        • Credit Bureau Reporting;
                        • Extended warranty coverage;
                        • Mastercard Global Service;
                        • Easy Pre-Qualification;
                        • Full Mastercard Perks;
                        • 24/7 Account Management.
                      View all Milestone Mastercard® details
                      Apply now
                      On The Bank of Missouri‘s site
                      Card detail
                      Synovus Bank The First Latitude Platinum Mastercard® Secured Credit Card
                      Annual fee:
                      $25 for the first year;
                      after that $35.00 annually
                      Regular APR:
                      22.99% Variable
                      Our Rating:
                      1.16
                      scorer
                      Credit score
                      No Credit History to Poor (0-579)
                        • Issuer name:
                          Synovus Bank
                        • Details:

                          The Synovus Bank First Latitude Platinum Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

                          The First Latitude Platinum Mastercard® Secured charges an annual fee of $25 for the first year; after that $35 annually. The APR for Purchases is 22.99% (27.99% for cash advances). These APRs will vary with the market based on the Prime Rate.

                          Read full review

                        • Pros:
                          • Available to people with limited credit history
                        • Cons:
                          • Foreign Transaction Fee
                          • Balance transfers are not available
                        • Benefits:
                          • Choose a Credit Line Secured by Your Fully Refundable Deposit - from $100 to $2,000;
                          • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
                          • Quick and Easy Online Application.
                        View all First Latitude Platinum Mastercard® Secured details
                        Apply now
                        On Synovus Bank‘s site
                        Card detail

                        Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

                        Gold Preferred® Secured Visa® Applied Bank
                        Annual fee:
                        $48 annually
                        Regular APR:
                        9.99% Fixed
                        Our Rating:
                        4.23
                        scorer
                        Credit score
                        No Credit History to Poor (0-579)
                          • Issuer name:
                            Applied Bank®
                          • Details:

                            The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

                            The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

                            Read full review

                          • Pros:
                            • Extremely low regular APR
                            • No penalty rate
                            • Guaranteed approval
                            • Increase your credit limit
                          • Cons:
                            • No rewards system
                            • A lot of fees
                            • Can’t upgrade to an unsecured credit card
                            • No grace period
                          • Benefits:
                            • Reports to All Three National Credit Bureaus;
                            • Zero Fraud Liability;
                            • Refundable Security Deposit;
                            • Global acceptance;
                            • Emergency card replacement and cash disbursement.
                          View all Secured Visa® Gold Preferred® Credit Card details
                          Apply now
                          On Applied Bank®‘s site
                          Card detail
                          Merrick Bank Double Your Line® Secured Mastercard®
                          Annual fee:
                          $36 the first year. Billed $3 per month thereafter
                          Regular APR:
                          20.45% Variable
                          Our Rating:
                          3.98
                          scorer
                          Credit score
                          No Credit History to Fair (0-669)
                            • Issuer name:
                              Merrick Bank
                            • Details:

                              The Merrick Bank Double Your Line® Secured Mastercard® is a good card for people looking to build or rebuild credit.

                              The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

                              The APR for purchases is 20.45% (Variable).

                              Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

                              Read full review

                            • Pros:
                              • Double your credit limit
                              • Free monthly FICO Score access
                            • Cons:
                              • Annual Fee
                              • Foreign Transaction
                            • Benefits:
                              • $0 Fraud Liability;
                              • Double Your Line®;
                              • Reports to 3 Major Credit Bureaus.
                            View all Double Your Line® Secured Mastercard® details
                            Apply now
                            On Merrick Bank‘s site
                            Card detail
                            First Progress Platinum Prestige Mastercard® Secured Synovus Bank
                            Annual fee:
                            $49 annually
                            Regular APR:
                            13.74% Variable
                            Our Rating:
                            3.8
                            scorer
                            Credit score
                            No Credit History to Fair (0-669)
                              • Issuer name:
                                Synovus Bank
                              • Details:

                                The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

                                The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

                                The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

                                First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

                                Read full review

                              • Pros:
                                • Low APR for Purchases
                                • No Minimum Credit Score Required
                                • Reports to Three Major Credit Bureaus
                                • Suitable Range of Credit Limit
                              • Cons:
                                • High Annual Fee
                                • High Transaction Fees on Cash Advance
                                • High Penalty Fees
                                • No Bonuses or Rewards
                                • Foreign Transaction Fees
                                • Unavailability of Card for Certain Geographies in the US
                              • Benefits:
                                • Accepted Nationwide;
                                • No Minimum Credit Score;
                                • No Credit History Required.
                              View all First Progress Platinum Prestige Mastercard® Secured details
                              Apply now
                              On First Progress’s site
                              Card detail
                              First Progress Platinum Elite Mastercard® Secured Synovus Bank
                              Annual fee:
                              $29 annually
                              Regular APR:
                              23.74% Variable
                              Our Rating:
                              3.3
                              scorer
                              Credit score
                              No Credit History to Fair (0-669)
                                • Issuer name:
                                  Synovus Bank
                                • Details:

                                  The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                                  As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                                  As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

                                  The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

                                  Read full review

                                • Pros:
                                  • No credit history required
                                  • No Minimum Credit Score needed
                                  • Low Annual Percentage Rates
                                  • It builds your Credit Score
                                • Cons:
                                  • No option to graduate to an unsecured credit card
                                  • Credit limit is equal to your deposit amount
                                  • There is no Rewards program
                                  • There are some area restrictions
                                • Benefits:
                                  • No Minimum Credit Score;
                                  • No Credit History Required;
                                  • Accepted Nationwide.
                                View all First Progress Platinum Elite Mastercard® Secured details
                                Apply now
                                On First Progress’s site
                                Card detail

                                Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

                                Deserve EDU Celtic Bank
                                Annual fee:
                                $0
                                Regular APR:
                                22.49% Variable
                                Our Rating:
                                3.5
                                scorer
                                Credit score
                                No Credit History to Excellent (0-799)
                                • Rewards Rate:
                                  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                                • Issuer name:
                                  Celtic Bank
                                • Details:

                                  The Deserve EDU Card makes it easy for students to start building credit.

                                  The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

                                  Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

                                  Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

                                  Read full review

                                • Pros:
                                  • No prior credit history required
                                  • No SSN Required
                                  • No Annual Fee
                                  • No
                                  • Transactions Fees
                                  • No Co-Signer/ Deposit Required
                                • Cons:
                                  • Relatively High APR
                                  • Fairly Low Rewards
                                  • Only for Students
                                • Benefits:
                                  • Cellphone Protection;
                                  • Collision Damage Waiver;
                                  • Concierge Service;
                                  • No International Transaction Fees;
                                  • Priority Pass™ Membership;
                                  • Mastercard Benefits;
                                  • No Social Security Number required for international students to apply.
                                View all Deserve EDU details
                                Apply now
                                On Celtic Bank‘s site
                                Card detail
                                Unique Platinum
                                Annual fee:
                                See website for details*
                                Regular APR:
                                0.00% Regular
                                Our Rating:
                                3.1
                                scorer
                                Credit score
                                No Credit History to Poor (0-579)
                                • Rewards Rate:
                                  • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                                • Details:

                                  The Unique Platinum Card is a good option for people with bad credit or no credit.

                                  With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

                                  The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

                                  The card is valid only at My Unique Outlet.

                                  Read full review

                                • Pros:
                                  • Unsecured credit line
                                  • Instant approval
                                • Cons:
                                  • Valid only at My Unique Outlet
                                  • Minimum monthly payment
                                • Benefits:
                                  • $1000 Credit Line;
                                  • $25 in Reward Dollars;
                                  • No Monthly Fee.
                                View all Unique Platinum details
                                Apply now
                                On Uniquecardservices‘s website
                                Card detail
                                Accepted Platinum
                                Annual fee:
                                See website for details*
                                Regular APR:
                                None
                                Our Rating:
                                4
                                scorer
                                Credit score
                                No Credit History to Poor (0-579)
                                • Purchase Intro APR:
                                  0% Introductory APR
                                • Details:

                                  The Accepted Platinum Card is a special card for online shopping. With the Card you’ll get $25 in Reward Dollars every month.

                                  The Card offers fast, trackable and reliable roadside service.

                                  The Initial cost of membership in the Unique Card Services shopping club is $29.95. The continuing cost is $19.95 per months. The card's NSF check fee is $30 (fee for returned checks or debits, second NSF).

                                  The card's minimum monthly payment is 15% (of the account balance owed) or $25.00.

                                  The Accepted Platinum Card has no penalties for prepayment.

                                  Read full review

                                • Pros:
                                  • No APR charged
                                • Cons:
                                  • No rewards
                                  • Limited use
                                • Benefits:
                                  • $1,000.00 Credit Line;
                                  • No Credit Checks;
                                  • 24/7 Roadside Assistance;
                                  • $14.95 Monthly Payments.
                                View all Accepted Platinum details
                                Apply now
                                On Acceptedplatinum‘s website
                                Card detail

                                WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

                                Petal® 1 "No Annual Fee" Visa® WebBank
                                Annual fee:
                                $0
                                Regular APR:
                                22.99% - 32.49% Variable
                                Our Rating:
                                4.34
                                scorer
                                Credit score
                                No Credit History to Good (0-739)
                                • Rewards Rate:
                                  • 2% - 10%:
                                  • Cash Back at select merchants.
                                • Issuer name:
                                  WebBank
                                • Details:

                                  The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

                                  The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

                                  The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

                                  Read full review

                                • Pros:
                                  • No Annual Fee
                                  • No Foreign Transaction Fee
                                • Cons:
                                  • No welcome bonus
                                  • No intro APR period
                                • Benefits:
                                  • 2 - 10% Cash Back;
                                  • Zero liability fraud protection;
                                  • $300 - $5,000 credit limits.
                                View all Petal® 1 "No Annual Fee" Visa® details
                                Apply now
                                On WebBank‘s site
                                Card detail
                                Surge® Platinum Secured Mastercard® Celtic Bank
                                Annual fee:
                                $69 annually
                                Regular APR:
                                19.99% Variable
                                Our Rating:
                                3.3
                                scorer
                                Credit score
                                No Credit History to Poor (0-579)
                                • Rewards Rate:
                                  • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                                • Issuer name:
                                  Celtic Bank
                                • Details:

                                  The Surge® Platinum Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

                                  The card's APR: 19.99% (Variable).

                                  The Surge® Platinum Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

                                  Read full review

                                • Pros:
                                  • Cash Back rewards
                                  • Free automatic account reviews for credit limit increases
                                • Cons:
                                  • Annual Fee
                                  • Foreign Transaction Fee
                                  • No welcome bonus
                                  • No Intro APR offer
                                • Benefits:
                                  • 1% Cash Back Rewards;
                                  • Potential Credit Limit Increase;
                                  • Report to All 3 Major Credit Bureaus.
                                View all Surge® Platinum Secured Mastercard® details
                                Apply now
                                On Celtic Bank‘s site
                                Card detail
                                Secured Mastercard® Merrick Bank
                                Annual fee:
                                $36 for first year. Billed $3 per month thereafter
                                Regular APR:
                                20.45% Variable
                                Our Rating:
                                3.2
                                scorer
                                Credit score
                                No Credit History to Poor (0-579)
                                  • Issuer name:
                                    Merrick Bank
                                  • Details:

                                    The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

                                    The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

                                    The Card's APR: 20.45% Variable for purchases.

                                    The Secured Mastercard® credit card reports to all three major credit bureaus.

                                    Read full review

                                  • Pros:
                                    • Up to $3000 credit limit
                                    • Reports to three major credit bureaus
                                    • You don’t need a bank account to apply
                                    • Access to FICO score
                                    • Low APR
                                  • Cons:
                                    • No rewards or intro offers
                                    • $200 minimum deposit
                                    • Extra fees
                                    • $36 annual fee
                                  • Benefits:
                                    • Monthly Reporting to the 3 Major Credit Bureaus;
                                    • $0 Fraud Liability;
                                    • Low interest;
                                    • FICO® Score for Free Each Month.
                                  View all Secured Mastercard® details
                                  Apply now
                                  On Merrick Bank‘s site
                                  Card detail
                                  First Progress Platinum Select Mastercard® Secured Synovus Bank
                                  Annual fee:
                                  $39 annually
                                  Regular APR:
                                  17.74% Variable
                                  Our Rating:
                                  3.5
                                  scorer
                                  Credit score
                                  No Credit History to Fair (0-669)
                                    • Issuer name:
                                      Synovus Bank
                                    • Details:

                                      The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                                      The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                                      The card's APR: 17.74% (Variable for Purchases), 23.74% (Variable for Cash Advances).

                                      The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

                                      Read full review

                                    • Pros:
                                      • No credit history required
                                      • No Minimum Credit Score needed
                                      • Low Annual Percentage Rates
                                    • Cons:
                                      • Annual Fee
                                      • Foreign Transaction Fee
                                    • Benefits:
                                      • Accepted Nationwide;
                                      • No Minimum Credit Score;
                                      • No Credit History Required.
                                    View all First Progress Platinum Select Mastercard® Secured details
                                    Apply now
                                    On First Progress’s site
                                    Card detail

                                    Capital Bank OpenSky® Secured Visa® best for 18 year old

                                    Secured Visa® OpenSky®
                                    Annual fee:
                                    $35 annually
                                    Regular APR:
                                    17.39% Variable
                                    Our Rating:
                                    3.82
                                    scorer
                                    Credit score
                                    No Credit History to Good (0-739)
                                      • Issuer name:
                                        Capital Bank
                                      • Details:

                                        With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.

                                        Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

                                        Read full review

                                      • Pros:
                                        • No credit check required
                                        • Does not require a bank account
                                        • Reports to three major credit bureaus
                                        • Low minimum cash deposit
                                      • Cons:
                                        • High annual fee
                                        • High Foreign Transaction Fee
                                        • No Rewards
                                        • No Signup Bonus
                                      • Benefits:
                                        • No credit check necessary to apply;
                                        • Reports to three major credit bureaus;
                                        • Build credit quickly;
                                        • Doesn't require a bank account.
                                      Card detail

                                      Chase Freedom® Student best for First time applicants

                                      Freedom® Student Chase
                                      Annual fee:
                                      $0
                                      Regular APR:
                                      17.24% Variable
                                      Our Rating:
                                      4.06
                                      scorer
                                      Credit score
                                      Good to Excellent (670-799)
                                      • Rewards Rate:
                                        • 1% Cash Back on all purchases.
                                      • Intro Offer:
                                        • $50 Bonus after first purchase made within the first 3 months from account opening.
                                      • Balance Transfer APR:
                                        17.24% Variable
                                      • Issuer name:
                                        Chase
                                      • Details:

                                        The Chase Freedom® Student Credit Card offers $50 bonus (within the first 3 months from account opening) and $20 Good Standing Rewards (after each account anniversary for up to 5 years). Plus, earn 1% Cash Back on all purchases.

                                        There is no minimum to redeem for Cash Back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts.

                                        The Chase Freedom® Student Credit Card has no annual fee. The card's APR is 17.24% (Variable), 29.99% (Penalty APR).

                                        If you travel outside of the United States, pay attention to foreign transaction fees. The Chase Freedom® Student Card charges 3% on every purchase you make outside of the country.

                                      • Pros:
                                        • No Annual Fee
                                        • Simple rewards program
                                      • Cons:
                                        • Foreign Transaction Fee
                                        • No intro APR on purchases and balance transfer
                                      • Benefits:
                                        • $50 Intro Bonus;
                                        • $20 Good Standing Rewards;
                                        • 1% Cash Back on all purchases;
                                        • Zero Liability Protection;
                                        • Extended Warranty Protection;
                                        • Gift cards;
                                        • Trip Cancellation/Interruption Insurance.
                                      Card detail

                                      Citi Secured Mastercard® best for First time applicants

                                      Secured Mastercard® Citi
                                      Annual fee:
                                      $0
                                      Regular APR:
                                      26.24% Variable
                                      Our Rating:
                                      2.78
                                      scorer
                                      Credit score
                                      No Credit History to Fair (0-669)
                                      • Balance Transfer APR:
                                        26.24% Variable
                                      • Issuer name:
                                        Citi
                                      • Details:

                                        A good starter card for those who are new to credit, the Citi Secured Mastercard® allows cardholders to jumpstart their credit history without committing to a high annual fee.

                                        The card’s variable APR is 26.24%.

                                      • Pros:
                                        • No Annual Fee
                                        • Wide range of secured credit lines
                                      • Cons:
                                        • Foreign Transaction Fee
                                        • No rewards available
                                        • Relatively high APR
                                      • Benefits:
                                        • $0 Liability;
                                        • Digital Wallets.
                                      Card detail

                                      Credit One® Bank Platinum Visa For Rebuilding Credit best for Retired person

                                      Platinum Visa For Rebuilding Credit Credit One Bank
                                      Annual fee:
                                      $75 for the first year
                                      $99 annually
                                      Regular APR:
                                      25.49% Variable
                                      Our Rating:
                                      1.57
                                      scorer
                                      Credit score
                                      No Credit History to Fair (0-669)
                                      • Rewards Rate:
                                        • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
                                      • Issuer name:
                                        Credit One® Bank
                                      • Details:

                                        Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

                                        Minimum Credit Line: $300 and Future credit line increases may be granted based on your overall credit performance.

                                      • Pros:
                                        • Cash Back Rewards
                                        • Chance to get a higher credit limit
                                        • Reports to three major credit bureaus
                                        • Check if you prequalify online without affecting your credit score
                                        • No security deposit
                                      • Cons:
                                        • No guaranteed grace period
                                        • Potentially high annual fee
                                        • Foreign transaction fee
                                        • Low credit limit
                                        • Balance transfers are not available
                                      • Benefits:
                                        • 1% Cash Back Rewards;
                                        • Zero Fraud Liability;
                                        • Free online access to your Experian credit score;
                                        • Choose Your Payment Due Date.
                                      Card detail

                                      WebBank Jasper Mastercard® best for First time applicants

                                      Jasper Mastercard® WebBank
                                      Annual fee:
                                      $0
                                      Regular APR:
                                      15.49% - 24.99% Variable
                                      Our Rating:
                                      2.91
                                      scorer
                                      Credit score
                                      Good to Excellent (670-799)
                                      • Rewards Rate:
                                        • 1% Cash Back on every eligible purchase. (It's possible to boost this rate, up to 6% back, but it requires that you refer friends to the card).
                                      • Issuer name:
                                        WebBank
                                      • Details:

                                        The Jasper Mastercard® offers up to 6% Cash Back through referrals.

                                        The card's APR: 15.49% - 24.99% (Variable)

                                        Jasper requires no security deposit, has no annual fee, and charges no foreign transaction fees.

                                        The Jasper Mastercard® offers benefits and perks, including MasterCard ID Theft Protection, extended warranty, price protection and cell phone protection. Jasper offers travel benefits, including a collision damage waiver for rental cars, insurance for lost or damaged luggage, travel accident insurance and trip cancellation/interruption reimbursement.

                                      • Pros:
                                        • No Annual Fee
                                        • No Foreign Transaction Fee
                                      • Cons:
                                        • No Intro APR on purchases and balance transfer
                                      • Benefits:
                                        • 1% Cash Back on every eligible purchase (up to 6% by referring friends);
                                        • Extended warranties on eligible items;
                                        • Auto rental coverage;
                                        • Lost or damaged luggage insurance;
                                        • Baggage Delay Insurance;
                                        • Trip cancellation and interruption insurance.
                                      Card detail

                                      Short Review of Best Credit Cards For First Time Applicants

                                      NameBest forRewards RateAPRApply
                                      Capital One Platinum Credit Card
                                      2.91
                                      Without SSN
                                    • This card doesn't offer cash back, miles or points.
                                    • 28.49% VariableApply now
                                      On Capital One‘s site
                                      Capital One QuicksilverOne Cash Rewards Credit Card
                                      3.64
                                      Fair credit
                                    • 1.5% Cash Back on every purchase.
                                    • 28.49% VariableApply now
                                      On Capital One‘s site
                                      Journey Student Rewards from Capital One
                                      3.79
                                      Without SSN
                                    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
                                    • 28.49% VariableApply now
                                      On Capital One‘s site
                                      Capital One Platinum Secured Credit Card
                                      2.44
                                      Single mom, Without SSN
                                    • This card doesn't offer cash back, miles or points.
                                    • 28.49% VariableApply now
                                      On Capital One‘s site
                                      The Bank of Missouri FIT® Platinum Mastercard®
                                      3.9
                                      Unsecured
                                    • This card doesn't offer cash back, miles or points.
                                    • 29.99% VariableApply now
                                      On The Bank of Missouri‘s site
                                      Transportation Alliance Bank The Mission Lane Visa®
                                      3.05
                                    • This card doesn't offer cash back, miles or points.
                                    • 26.99% - 29.99% VariableApply now
                                      On Transportation Alliance Bank‘s site
                                      Celtic Bank Surge® Platinum Mastercard®
                                      3.2
                                      Walmart purchases
                                    • This card doesn't offer cash back, miles or points.
                                    • 24.99% - 29.99% VariableApply now
                                      On Celtic Bank‘s site
                                      MRV Banks Revvi
                                      4.1
                                    • 1% Cash Back on payments made to your Revvi Credit Card. ^^
                                    • 34.99% *Apply now
                                      On the Revvi secure website
                                      Merit Platinum
                                      3.8
                                    • This card doesn't offer cash back, miles or points.
                                    • NoneApply now
                                      On Meritplatinum‘s website
                                      Merrick Bank Double Your Line® Mastercard®
                                      4.1
                                    • This card doesn't offer cash back, miles or points.
                                    • 22.45% - 30.70% *VariableApply now
                                      On Merrick Bank‘s site
                                      WebBank Petal® 2 “Cash Back, No Fees” Visa®
                                      3.8
                                      Beginner, No history
                                    • 1% - 1.5%:
                                    • Cash Back after making 12 on-time monthly payments.
                                    • 2% - 10%:
                                    • Cash Back from select merchants.
                                    • 15.99% - 29.99% VariableApply now
                                      On WebBank‘s site
                                      The Bank of Missouri First Access Visa®
                                      4.2
                                    • This card doesn't offer cash back, miles or points.
                                    • 34.99%Apply now
                                      On the First Access Visa® Card secure website
                                      Celtic Bank Reflex® Platinum Mastercard®
                                      3.8
                                      Unsecured
                                    • This card doesn't offer cash back, miles or points.
                                    • 24.99% - 29.99% VariableApply now
                                      On Celtic Bank‘s site
                                      Celtic Bank Indigo® Mastercard®
                                      3.7
                                      Unsecured
                                    • This card doesn't offer cash back, miles or points.
                                    • 24.9%Apply now
                                      On Celtic Bank‘s site
                                      The Bank of Missouri Total Visa® Unsecured
                                      3.32
                                    • This card doesn't offer cash back, miles or points.
                                    • 34.99% *Apply now
                                      On the Total Visa® Card secure website
                                      The Bank of Missouri Milestone Mastercard®
                                      3.5
                                      Unsecured
                                    • This card doesn't offer cash back, miles or points.
                                    • 24.9%Apply now
                                      On The Bank of Missouri‘s site
                                      First Latitude Platinum Mastercard® Secured Credit Card
                                      1.16
                                    • This card doesn't offer cash back, miles or points.
                                    • 22.99% VariableApply now
                                      On Synovus Bank‘s site
                                      Applied Bank® Secured Visa® Gold Preferred® Credit Card
                                      4.23
                                      18 year old
                                    • This card doesn't offer cash back, miles or points.
                                    • 9.99% FixedApply now
                                      On Applied Bank®‘s site
                                      Merrick Bank Double Your Line® Secured Credit Card
                                      3.98
                                    • This card doesn't offer cash back, miles or points.
                                    • 20.45% VariableApply now
                                      On Merrick Bank‘s site
                                      First Progress Platinum Prestige Mastercard® Secured Credit Card
                                      3.8
                                    • This card doesn't offer cash back, miles or points.
                                    • 13.74% VariableApply now
                                      On First Progress’s site
                                      First Progress Platinum Elite Mastercard® Secured Credit Card
                                      3.3
                                    • This card doesn't offer cash back, miles or points.
                                    • 23.74% VariableApply now
                                      On First Progress’s site
                                      Celtic Bank Deserve EDU
                                      3.5
                                      Cash Back, Without SSN, Student
                                    • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                                    • 22.49% VariableApply now
                                      On Celtic Bank‘s site
                                      Unique Platinum
                                      3.1
                                    • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                                    • 0.00% RegularApply now
                                      On Uniquecardservices‘s website
                                      Accepted Platinum
                                      4
                                    • This card doesn't offer cash back, miles or points.
                                    • NoneApply now
                                      On Acceptedplatinum‘s website
                                      WebBank Petal® 1 "No Annual Fee" Visa®
                                      4.34
                                      For bad credit
                                    • 2% - 10%:
                                    • Cash Back at select merchants.
                                    • 22.99% - 32.49% VariableApply now
                                      On WebBank‘s site
                                      Celtic Bank Surge® Platinum Secured Mastercard®
                                      3.3
                                    • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                                    • 19.99% VariableApply now
                                      On Celtic Bank‘s site
                                      Merrick Bank Secured Credit Card
                                      3.2
                                    • This card doesn't offer cash back, miles or points.
                                    • 20.45% VariableApply now
                                      On Merrick Bank‘s site
                                      First Progress Platinum Select Mastercard® Secured Credit Card
                                      3.5
                                    • This card doesn't offer cash back, miles or points.
                                    • 17.74% VariableApply now
                                      On First Progress’s site
                                      Capital Bank OpenSky® Secured Visa®
                                      3.82
                                      18 year old
                                    • This card doesn't offer cash back, miles or points.
                                    • 17.39% VariableLearn more
                                      Chase Freedom® Student
                                      4.06
                                      First time applicants
                                    • 1% Cash Back on all purchases.
                                    • 17.24% VariableLearn more
                                      Citi Secured Mastercard®
                                      2.78
                                      First time applicants
                                    • This card doesn't offer cash back, miles or points.
                                    • 26.24% VariableLearn more
                                      Credit One® Bank Platinum Visa For Rebuilding Credit
                                      1.57
                                      Retired person
                                    • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
                                    • 25.49% VariableLearn more
                                      WebBank Jasper Mastercard®
                                      2.91
                                      First time applicants
                                    • 1% Cash Back on every eligible purchase. (It's possible to boost this rate, up to 6% back, but it requires that you refer friends to the card).
                                    • 15.49% - 24.99% VariableLearn more

                                      Card's description:

                                      Capital One Platinum Credit Card

                                      The Capital One Platinum Mastercard comes with several useful benefits that help you build your credit. The card offers free credit monitoring with CreditWise. Additionally, this credit card does not have annual or foreign transaction fees and doesn’t charge a penalty APR. Despite having a high APR for purchases and balance transfers (28.49%), the Capital One Platinum Mastercard credit card is still an option to consider. The card doesn't require a security deposit and provides the opportunity for its cardholders for a credit limit increase.

                                      Read more about Capital One Platinum Credit Card

                                      Capital One QuicksilverOne Cash Rewards Credit Card

                                      The Capital One QuicksilverOne Cash Rewards is the best credit card to consider for first-time applicants. It offers a 1.5% unlimited cash back on every purchase. Once you spend only $2,600, you’ll justify an annual fee of $39 on this credit card. In a period as short as 6 months, you can be automatically considered for a better credit card from Capital One.

                                      Read more about Capital One QuicksilverOne Cash Rewards Credit Card

                                      Journey Student Rewards from Capital One

                                      The Journey Student Credit Card issued by Capital One is one of the few credit cards with “Student” in the title that doesn’t require you to be a student to get it. This card doesn’t charge annual and foreign transaction fees. Additionally, the Journey Student Credit Card allows you to boost your 1% cash back on all purchases to 1.25% cash back by paying on time.

                                      Read more about Journey Student Rewards from Capital One

                                      Capital One Platinum Secured Credit Card

                                      While the Platinum Platinum Secured Mastercard® issued by Capital One does not offer cash back or other types of rewards, the appeal lies in its simplicity. This credit card has no annual fee and allows the cardholders to choose their monthly due date. The Platinum Secured Mastercard® requires at least a $49 refundable security deposit. However, after 6 months, you can be considered for a better credit card with no additional deposit required.

                                      Read more about Capital One Platinum Secured Credit Card

                                      WebBank Petal® 2 “Cash Back, No Fees” Visa®

                                      The Petal® 2 “Cash Back, No Fees” Visa® credit card is famous for being a “Cash Back, No Fees'' starter card. It doesn’t have annual, foreign transactions and late fees for all its cardholders. Furthermore, it provides 1% cash back from the start and 1.5% cash back after making 12 on-time monthly payments. This credit card doesn’t require a security deposit from the cardholders and has $500 as a minimum credit limit.

                                      Read more about WebBank Petal® 2 “Cash Back, No Fees” Visa®

                                      First Progress Platinum Prestige Mastercard® Secured Credit Card

                                      The First Progress Platinum Prestige Mastercard® Secured credit card is another secured credit card from the First Progress. The credit line limit is determined by a fully refundable security deposit of $200 — $2000, submitted with the application. You can qualify for this credit card with no or bad credit score. Compared to the First Progress Platinum Elite Mastercard® Secured credit card, the First Progress Platinum Prestige Mastercard® Secured credit card has a lower APR for purchases (13.74%) and a higher annual fee ($49). Also, the card doesn’t offer any rewards, and it can’t be upgraded to another credit card. Like all the First Progress credit cards, it’s not available for New York, Wisconsin, Iowa, and Arkansas residents.

                                      Read more about First Progress Platinum Prestige Mastercard® Secured Credit Card

                                      First Progress Platinum Elite Mastercard® Secured Credit Card

                                      Like all the other secured credit cards, the First Progress Platinum Elite Mastercard® Secured requires a refundable deposit to open the credit card. The deposit may vary from $200 to $2000 and will serve as the credit limit. The First Progress Platinum Elite Mastercard® Secured credit card has an APR for purchases of 19.99%. You should also keep in mind that it doesn’t provide rewards, has an annual fee ($29), and doesn’t offer an opportunity to upgrade it to a better credit card. This credit card is not available for residents of Arkansas, Iowa, New York, and Wisconsin.

                                      Read more about First Progress Platinum Elite Mastercard® Secured Credit Card

                                      Celtic Bank Deserve EDU

                                      If you are a student, you should definitely consider getting the Deserve EDU for Students. This card does not have a Social Security number and credit history requirements, making it easier for international and first-year students to be approved. Deserve EDU for Students doesn’t have an annual fee and offers 1% cash back on all purchases. Additionally, it offers a statement credit for a 12-month Amazon Prime Student subscription after you spend $500 in the first three billing cycles.

                                      Read more about Celtic Bank Deserve EDU

                                      Capital Bank OpenSky® Secured Visa®

                                      The OpenSky® Secured Visa® credit card, issued by Capital Bank, is a decent option for people seeking to build their credit. It can be opened with a minimum $200 refundable security deposit, which will serve as your credit line limit. This card, unfortunately, doesn’t provide an opportunity to be upgraded for a better credit card after some time.

                                      Read more about Capital Bank OpenSky® Secured Visa®

                                      Chase Freedom® Student

                                      The no-annual-fee Chase Freedom® Student credit card is a good starter credit card due to its credit-building features, generous rewards, and the possibility to upgrade to another Chase credit card. However, you must be a student to qualify for this credit card. It offers 1% cash back on all your purchases and 5% cash back on qualifying Lyft services purchased through the Lyft app, as well as a three-month subscription to DashPass. You will also get a $50 Bonus after the first purchase within the first 3 months of your account opening.

                                      Read more about Chase Freedom® Student

                                      Citi Secured Mastercard®

                                      The Citi Secured Mastercard® credit card is also a great option for people with no credit history, and when used properly, it may help you establish credit. The card doesn’t have an annual fee but requires a $200 minimum security deposit. As for other terms, this credit card doesn’t provide rewards and has quite a high APR for Purchases and Balance Transfers (26.24%). Overall, the Citi Secured Mastercard® is a sound credit card for building a credit score.

                                      Read more about Citi Secured Mastercard®

                                      Credit One® Bank Platinum Visa For Rebuilding Credit

                                      If you are looking for a card to build your credit with an unsecured credit card, we suggest you pay attention to the Credit One® Bank Platinum Visa For Rebuilding Credit. Credit One® Bank manages a regular review of your account for a possible credit line increase. Also, this credit card offers online access to your Experian credit score. With the Credit One® Bank Platinum Visa For Rebuilding Credit, you can earn 1% cash back rewards on categories like gas, grocery, Internet, and cable.

                                      Read more about Credit One® Bank Platinum Visa For Rebuilding Credit

                                      WebBank Jasper Mastercard®

                                      If you are a newcomer to the United States, you’ll find the Jasper Mastercard® credit card appealing. This credit card doesn’t require a Social Security number upfront. However, it has to be provided within 60 days of credit card activation. Jasper Mastercard® doesn’t charge annual and foreign transaction fees and offers flexible rewards programs. The cardholders start with 1% cash back on almost all purchases. With every friend referred, you get an extra 1% cash back for a full year of up to 5% extra cash back maximum.

                                      Read more about WebBank Jasper Mastercard®

                                      Should I get a starter credit card?

                                      A starter credit card is a card for applicants with a limited or no credit history. Such credit cards are designed to help people build their credit so that they would be able to apply for a credit card with better terms.

                                      There are two main types of starter credit cards — secured and unsecured credit cards.

                                      Secured credit cards require applicants to make a security deposit to get approved. Generally, this deposit is equal to the desired credit limit. You will receive your deposit back either when you close your account or by getting it refunded by upgrading to the unsecured card. Some secured credit cards do not have an annual fee, which can be a nice bonus. The best secured cards options are the Citi Secured Mastercard® and the OpenSky® Secured Visa® Credit Card.

                                      Unsecured credit cards differ from secured cards by not requesting you to put up a security deposit. This type of credit card tends to have higher interest rates, but they can offer cash back rewards. If you're looking for an unsecured credit card, consider the Capital One Platinum Mastercard Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card.

                                      Student credit cards, part of an unsecured credit card group, are sometimes identified as separate starter credit cards. They also do not require a security deposit to get approved, and these credit cards tend not to charge an annual fee. It’s obvious that these credit cards are available to students only. The best options for student credit cards are Discover it® Student Cash Back, Discover it® Student chrome and Journey Student Credit Card from Capital One.

                                      If you’re considering getting a starter credit card to build or improve your credit score, you should go for it. Starter credit cards do not offer a wide range of perks and bonuses and generally have higher fees. However, after some time, you can get a better credit card with better conditions.

                                      Why is building credit important?

                                      Your credit score plays an essential role in your life. It’s one of the ways companies measure your financial trustworthiness. The higher the credit score you have, the better credit card you can get. A good credit card comes with various benefits and rewards.

                                      Credit score directly affects the terms of all the loans you take, including car loans and mortgages. Lenders take into account your credit score to decide on whether to give you a loan in general, as well as to finalize the terms of the loan. A bad credit score results in higher rates on your loan.

                                      Most utility services providers, including cable, telephone, water, and cell phone service, also perform credit checks to determine whether you’ll be able to pay for their services on time.

                                      And in some cases, employers may do a soft credit check (an inquiry into your credit report) as a part of the hiring process. It can influence the final decision on whether you get the job.

                                      How to get started with my first credit card?

                                      If you are new to credit cards in general, you undoubtedly have a few concerns about using them properly and which credit cards are best for beginners. Take into account these steps while choosing and applying for your first credit card.

                                      First thing first, pay attention to the credit score requirements of a particular credit card. Starter credit cards do not require applicants to have a high credit score, while other types of credit cards may require you to have at least a Fair credit score (starting from 580 points). You should always check your credit score, as even several points may be significant for credit card issuers while reviewing your application.

                                      After you’ve decided on the credit card, you’ll be required to present the following information to the credit card issuer:

                                      • Legal name
                                      • Date of birth
                                      • Address
                                      • Social Security number (some cards do not require SSN)
                                      • Annual income

                                      You also may be asked to provide information on your employment and bank account. It's important to apply only for cards that you're likely to be accepted. Remember that once you apply, your credit score may lose a few points.

                                      How to choose a credit card for the first time?

                                      An ideal first credit card is unique to everybody. While carefully choosing it, you should consider your circumstances before deciding on it. Here are the main points to keep in mind when you choose the best beginner credit card.

                                      Checking your credit score before applying for a credit card might be the first step. You may have no credit history at all. In this case, you'll most likely need to start with a secured credit card. On the other hand, you may have a credit history without previously obtaining a credit card.

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                                      For example, you could have been an authorized user on somebody’s credit card. It allows you to build at least some credit, and thus to have better starting options.

                                      You may also find it necessary to look through APRs. Most starter credit cards have high APRs, while some provide promotional rates on purchases or balance transfers. Make sure you're aware of the variable APR you'll be charged on your purchases, and remember that paying your balance in full and avoiding carrying a balance can save you money. Nevertheless, due to the higher risk for issuers, you’ll likely have higher interest rates on your starter cards.

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                                      Don’t forget to look through the fees of the card. Credit card issuers may impose relatively high fees for card maintenance (annual fee), using the card abroad (foreign transactions fee), or paying up late (late fees). However, you can find a starter credit card with little or no fees, making them more plausible options.

                                      Finally, make sure to look through the rewards and bonuses of the credit card. Many unsecured and secured credit cards allow their holders to receive rewards on their spendings. Nice bonuses to consider are those offering a free credit score on your monthly statement, purchase protection, extended warranties, and travel insurance. By comparing the amount of cash back and other types of rewards and benefits, you may find the card that will be ideal for you.

                                      Making the most of my starter credit card?

                                      It’s important to use your starter credit card wisely. After all, it builds your credit history. The more responsibly you use your starter credit card, the better credit cards you could get in the future. Here are a few tips on how to make most of your starter credit card.

                                      1. Set your budget. You can avoid falling into debt by having a realistic estimate of how much you can spend and pay off at the end of the month.
                                      2. Track your spendings. After the budget is set, you need to keep track of your spendings throughout a period, like a week or a month. Once you reach your budget limit, avoid using the card again until your balance is paid off. If it happens often, reevaluate your budget or spendings.
                                      3. Use the minimum of your credit limit. It can be too inviting to max out your credit card limit. Still, you shouldn't do it at any cost. The amount of credit you use is the second most important factor in your credit score, and having a large credit card balance can harm it.
                                      4. Check your statements regularly. Your credit card issuer will send you a statement every month that includes a summary of your transactions from the previous payment cycle. Even if you've planned your monthly payment, it's still vital to review your billing statement to make sure there are no mistakes or illegal transactions. If you notice one of these, contact your credit card company right away to get them resolved.

                                      Additionally, you should monitor your credit score and obtain your free annual credit report that will include a detailed record of your past use of credit. All of these will allow you to get the most of your starter card by improving your credit significantly.

                                      Beginner credit card tips

                                      After you are approved for the first credit card, you need to use it wisely. After all, while a beginner credit card might help you increase your credit score, making incorrect decisions can result in you having worse credit than when you started.

                                      • Consider keeping your account open. The age of your oldest account has a significant impact on your FICO Score. With that in mind, you should understand that canceling accounts might influence your credit. To avoid the temptation of closing your account, consider getting a beginner credit card with no annual fee.
                                      • Do not rush. You need to be patient about building your credit score. The more on-time credit card payments you make, the more details your future credit reports gain. It will take time to build your credit score, but the work will be worthwhile.
                                      • Make larger payments. If you carry debt on your credit card and only pay the minimum payment required, interest charges will quickly mount. It will increase your balance month after month until you're buried in debt. And it will hurt your credit score.
                                      • Be punctual with your payments. The most critical component in credit score is payment history, and even one late payment can have a significant impact. Set up notifications to remind yourself when your bill is due, or set up an automated credit card payment with your bank to avoid late payments.

                                      How to apply for a credit card

                                      Once you’ve come up with your choice of an ideal credit card, apply for it. The process is not difficult, however, it’s better to be prepared.

                                      As a first step, you need to decide on how you will apply for a credit card. You can do it online, in person, or via mail. If you choose to apply online, you have to make sure that you are using the correct website of the credit card issuer. Scammers may steal your data through mirrored websites.

                                      A second step requires you to fill in all the information asked by the credit card issuer. Look carefully through everything you have to provide, as the lack of information may cause an instant rejection. We also advise you to provide truthful information on your credit card application. Providing falsified information even on the starter credit cards is not worth it, as it may lead to negative consequences.

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                                      If you are worried about your odds, you can try a pre-approval option. In a pre-approval process, the issuer can assess whether you meet the initial requirements for the credit card. As a result, you will be informed whether you pass the minimum criteria for a card. Pre-approval doesn’t guarantee you’ll get the credit card should you apply for it.

                                      Finally, the third step is waiting for your result. Sometimes you may receive the answer in a few minutes, but for some credit cards, you need to wait for a week or even two. Generally, you’ll be notified of the final decision via email, but you also may need to check the website you applied through. Some credit card issuers have extensive representation across the U.S., and you can visit their office or contact them by phone at any time.

                                      FAQ

                                      What are other credit cards to consider?

                                      Surge® Platinum Mastercard® from Celtic Bank is a decent option for starters. While this credit card doesn’t offer cash back rewards and charges an annual fee, its advantages are monthly credit reporting to major bureaus and the possibility to increase the credit limit. Another good credit card for newcomers to the US is the Deserve Pro credit card. It’s a no-annual-fee card with cash back rewards on travel, entertainment, and dining.

                                      How to apply for a credit card for the first time?

                                      You can apply for a credit card online or in person at a credit card issuer's office. The application conditions are the same for everyone, even if it's your first time applying for a credit card. When applying for a credit card, you can be asked to provide your income, Social Security number, employment details, phone number, and address. Be sure to review all the required information in advance.

                                      How to find a good credit card?

                                      Check your credit score to understand which credit cards you can apply and be approved for. Look for benefits and rewards that will be useful for you. Don’t forget to check the fees and APRs of the potential credit card, as they will influence your credit card-related expenses, like annual fee and interest rate. You can find all the necessary information about credit cards on the website of the credit card issuers.

                                      Where to get my first credit card?

                                      You can apply for a credit card online, in person, or via mail with a bank, credit union, or store that offers its credit card.

                                      When to get my first credit card?

                                      You can legally get your first credit card at the age from the age of 18. If you are between 18 and 21, you need a parent or guardian to cosign your credit card application. Alternatively, you can choose to become an authorized user on someone’s credit card to build your credit score at a younger age.
                                      Hanna VolkavaHanna Volkava

                                      Financial and product expert

                                      hv@myfin.us