Accepted Platinum
Accepted Platinum
Apply now

Best Credit Cards for No Credit History

Updated September 18, 2021
Best icon
Best
Compare icon
Compare
Rewards icon
Rewards
Cash Back icon
Cash Back
Balance Transfer icon
Balance Transfer
0 APR icon
0 APR
No Annual Fee icon
No Annual Fee
more icon
More

Best Credit Cards for No history in September 2021

Hide all
Show all
Accepted Platinum
Apply now
Our Rating:
4 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR.
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Details:

    The Accepted Platinum Card is a special card for online shopping.

    The Accepted Platinum 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.

  • Pros:
    • No Foreign Transaction Fee
    • No Annual Fee
    • Introductory APR period.
  • Cons:
    • No rewards
    • No Intro APR period on balance transfer
  • Benefits:
    • $1,000.00 Credit Line;
    • No Credit Checks & No Credit Turndowns;
    • 24/7 Roadside Assistance;
    • Low Monthly Payments.
Show more Show more
First Access Visa® The Bank of Missouri
Apply now
Our Rating:
4.2 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75 annual fee for first year. $48 from the second year.
  • Purchase Intro APR:
    None
  • Regular APR:
    34.99% Regular.
  • Balance Transfer APR:
    None
  • 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% (Regular APR).

    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.

  • 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.
Show more Show more
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
Apply now
Our Rating:
3.8 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $49 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    9.99% Variable.
  • Balance Transfer APR:
    None
  • 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 doesn’t earn a welcome bonus. The First Progress Platinum Prestige Mastercard Secured Credit Card charges the highest annual fee of the three cards at $49, but it offers the lowest APR, at 9.99% (Variable).

    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.

  • 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.
Show more Show more

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

Gold Preferred® Secured Visa® Applied Bank
Apply now
Our Rating:
2.41 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $48 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    9.99% Regular.
  • Balance Transfer APR:
    None
  • 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.

  • Pros:
    • Lower than average APRs
    • Theft Protection
  • Cons:
    • Annual Fee
    • No Intro APR on purchases and balance transfer
    • Foreign Transaction Fee
    • No rewards
  • Benefits:
    • Reports to All Three National Credit Bureaus;
    • Zero Fraud Liability;
    • Refundable Security Deposit;
    • Global acceptance;
    • Emergency card replacement and cash disbursement.
Show more Show more

Discover Bank Discover it® Secured best for Cash Back, No Annual Fee, Young couples, For bad credit

Discover it® Secured Discover Bank
Apply now
Our Rating:
4.13 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    22,99% Variable.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 22,99% The APR after 6 months from date of first transfer.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Secured Credit Card offers 2% Cash Back on gas stations and restaurants up to $1,000 in combined spending per quarter, and 1% on everything else, but Discover will match dollar-for-dollar all those rewards at the end of the first year.

    The Discover it® Secured Credit Card requires you to put down a refundable security deposit. That deposit becomes your credit line. Minimum deposit is $200. The maximum credit limit is $2,500.

    The Discover it® Secured Credit Card reports to the three major credit bureaus (TransUnion, Equifax and Experian).

    The interest on the Discover it® Secured Credit Card is not very attractive: It comes with 10.99% intro APR on Balance Transfers for 6 months, and then 22.99%.

  • Pros:
    • Multiple rewards programs
    • No annual fee
    • Monthly credit reviews
    • Double cashback for the first year
    • Upgrade to an unsecured credit card
  • Cons:
    • High APR
    • Minimum deposit requirement
    • Not widely accepted internationally
  • Benefits:
    • Refundable security deposit;
    • $0 Fraud Liability;
    • No Foreign Transaction Fees;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Unlimited Cashback Match;
    • 99% nationwide acceptance.
Show more Show more

Discover Bank Discover it® Student chrome best for College

Discover it® Student chrome Discover Bank
Apply now
Our Rating:
4.12 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Cash Back at gas stations and restaurants.
    • 1% Cash Back on all other purchases like books, groceries and college staples with the student Discover® card designed for your lifestyle in college and beyond.
  • Intro Offer:
    • Unlimited Cashback Match:
    • Match all Cash Back earned at the end of your first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of account opening.
  • Regular APR:
    12,99% - 21,99% Variable.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 12,99% - 21,99% Variable.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it Student chrome gives college and university students a way to establish a credit history.

    With no annual fee, this card is a convenient way to pay for those common purchases, where you’ll get 2% Cash Back rewards when you fuel up or go out to eat. That isn’t a whole lot compared to some other cards. But since Discover will double your rewards in the first year, that makes 4% back on those categories. Plus you’ll get 2% back on every other purchase in that first year, which is better than most cards. That’s pretty good for a card with no annual fee.

    Discover also forgives your first late fee if you fall behind on one payment. Paying late won’t raise your APR, and you won’t incur a fee if you happen to exceed your limit. After excusing that first late payment, the fee going forward is up to $40. Cash advance fees are either $10 or 5 percent of the amount, whichever is greater. Finally, balance transfers have a fee of 3 percent intro balance transfer fee, up to 5 percent fee on future balance transfers, with a 10.99 percent APR balance transfer offer for the first six months. After that the variable APR of 12.99 percent to 21.99 percent applies.

    There are some handy perks for students, like a good grades statement credit and the ability to monitor one of your FICO credit scores. The interest rates and fees are quite favorable too, good for first-time cardholders.

    Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

    You'll also get $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

  • Pros:
    • Good Grade Reward
    • Unlimited Cashback Match
    • 0% Intro APR
    • No Annual Fee
  • Cons:
    • There are earning caps on some categories
    • Less coverage outside of the U.S
  • Benefits:
    • 2% Cash Back at gas stations and restaurants;
    • Unlimited 1% Cash Back on all other purchases;
    • Unlimited Cashback Match;
    • $20 statement credit each school year;
    • FICO credit score;
    • $0 Fraud Liability.
Show more Show more

Discover Bank Discover it® Student Cash Back best for Student

Discover it® Student Cash Back Discover Bank
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • $20 Earn statement credit each school year your GPA is 3.0 or higher for up to the next five years.
    • 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter, such as Amazon, Grocery stores, Restaurants, Gas stations.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of account opening.
  • Regular APR:
    12,99% - 21,99% Variable.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 12,99% - 21,99% Variable.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Student Cash Back card gives you 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter and 1% Cash Back on all other purchases. With Cashback Match, get an unlimited dollar-for-dollar match of all the Cash Back you've earned at the end of your first year.

    The card gives a $20 statement credit each year if you maintain a 3.0 GPA, free access to your FICO score, and an annual fee of $0.

    The Discover it® Student Cash Back offers 0% Intro purchase APR and 12.99% to 21.99% variable APR (after 6 months).

  • Pros:
    • High rewards on rotating spending categories
    • Double rewards in the first year
    • Good grades rewards
    • Intro 0% APR for on purchases
    • Low approval requirements for a card
    • No foreign transaction fee
  • Cons:
    • Spending categories rotate every quarter
    • Manual activation of spending categories
    • Limited international acceptance
    • Not available for international students
  • Benefits:
    • Good Grades Reward;
    • Free access to FICO score;
    • Designed just for students;
    • $20 Statement credit;
    • 5% Cash Back on everyday purchases, 1% Cash Back on all other purchases;
    • 24/7 U.S.-based customer service.
Show more Show more
Unsecured Classic Visa® Applied Bank
Apply now
Our Rating:
1 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75 for the first year. $45 thereafter.
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Regular.
  • Balance Transfer APR:
    None
  • Issuer name:
    Applied Bank
  • Details:

    The Applied Bank® Unsecured Classic Visa® is designed for people with bad credit or no credit history.

    The Applied Bank® Unsecured Classic Visa® Card's APR: 29.99% (Regular). The card has an annual fee of $75 (for the first year), $45 (thereafter).

  • Pros:
    • Quick and Easy Application
    • No penalty APR
  • Cons:
    • Foreign Transaction Fee
    • Annual Fee
  • Benefits:
    • Reports to all three major credit bureaus;
    • Zero Fraud Liability;
    • Emergency card replacement and cash disbursement.
Show more Show more
Petal® 1 "No Annual Fee" Visa® WebBank
Apply now
Our Rating:
2.36 out of 5
scorer
Recommended credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • 2% - 10%:
    • Cash Back at select merchants.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    19.99% - 29.49% Variable.
  • Balance Transfer APR:
    None
  • 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: 19.99% to 29.49% (Variable).

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

  • 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;
    • $500 - $5,000 credit limits.
Show more Show more
First Progress Platinum Select MasterCard® Secured Synovus Bank
Apply now
Our Rating:
1.66 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $39 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    13.99% Variable.
  • Balance Transfer APR:
    None
  • 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: 13.99% (Variable for Purchases), 19.99% (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%.

  • 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.
Show more Show more