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Best Credit Cards for No Credit History of June 2024

No credit history? No problem. There are plenty of options in the credit card world that require no credit check. And you can even snag one that offers benefits and rewards to fit your lifestyle. Peruse the cards on the list and compare features to find the one that best fits your financial situation.

By Hanna Volkava
Updated June 19, 2024

Best Credit Cards for No history in June 2024

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Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
3.54
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 5% Cash Back on hotel and rental car purchases through Capital One Travel.
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 5% Cash Back on hotel and rental car purchases through Capital One Travel, and 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 29.99 Variable. The Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you.

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 5% Cash Back on hotel and rental car purchases through Capital One Travel;
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
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Capital One Quicksilver Student Cash Rewards Credit Card best for International students

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Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.43
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 10% Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • $50 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 10% Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024, and 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 19.99% - 29.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $50 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 10% Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024;
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
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Capital One SavorOne Student Cash Rewards Credit Card best for International students

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SavorOne Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.87
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 8% Cash Back on Capital One entertainment purchases.
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $50 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The SavorOne Student Cash Rewards Credit Card earns 8% Cash Back on Capital One entertainment purchases, and 5% Cash Back on hotels and rental cars booked through Capital One Travel. Earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

    The SavorOne Student Cash Rewards Credit Card has a high interest rate of 19.99% - 29.99% (variable APR).

    The Card has no annual fee and no foreign transaction fees. Balance Transfer Fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $50 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
    • 8% Cash Back on Capital One entertainment purchases;
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®);
    • 1% Cash Back on all other purchases;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all SavorOne Student Cash Rewards details
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Capital One Platinum Secured Credit Card best for Single mom, Without SSN

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Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
2.39
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Platinum Secured Mastercard® Credit Card does not have a rewards program. Still, its reasonable fees, low security deposit, and fast track to getting a higher credit line make it a good option for those who need to build credit. To get started, you’ll need to make a security deposit of $49, $99, or $200 (or more), and you’ll get an initial credit limit of $200. Your credit limit can be up to $1,000, depending on how much you put down. After six months of on-time payments, Capital One will consider raising your credit limit. The 29.99% APR is high, but you won’t pay annual or foreign transaction fees, and you can qualify with a limited or bad credit history.

  • Pros:
    • No annual fee
    • $0 fraud liability
    • Emergency card services
    • Low entry security deposit possible based on creditworthiness
  • Cons:
    • No rewards program
    • 28.49% variable APR
    • Approval for no credit/bad credit customers
  • 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
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FIT™ Platinum Mastercard® best for Unsecured

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FIT™ Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
$125 annually
Regular APR:
35.90% 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 ($125 from the second year). The monthly maintenance fee for the second year will be $150 per year ($12.50 per month). The Processing Fee is $95 (one-time fee).

      The FIT™ Platinum Mastercard® Credit Card has 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 Continental Finance site
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Apply now
    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $99 annually
    $99 annually
    Regular APR:
    35.90% 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 is 35.90%.

        The monthly maintenance fee is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

        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
      Apply now
      Revvi Card MRV Banks
      Annual fee:
      $75 for the first year
      $48 after *
      Regular APR:
      35.99% *
      Our Rating:
      4.1
      scorer
      Credit score
      Rebuilding Credit to Fair (0-669)
      • Rewards Rate:
        • 1% Cash Back rewards^^ 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 earns 1% Cash Back rewards^^ on payments made to your Revvi Credit Card.

        The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 35.99%.

        Read full review

      • Pros:
        • Cash Back
      • Cons:
        • Annual Fee
        • Extra Fees
      • Benefits:
        • 1% Cash Back rewards^^ on payments made to your Revvi Credit Card;
        • 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

      First Access Visa® Card best for Low income

      Apply now
      First Access Visa® The Bank of Missouri
      Annual fee:
      $75.00 for the 1st year, $48.00 after
      Regular APR:
      35.99%
      Our Rating:
      4.2
      scorer
      Credit score
      No Credit History to Fair (0-669)
      • Rewards Rate:
        • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
      • Issuer name:
        The Bank of Missouri
      • Details:

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

        The First Access Visa® Card's APR: 35.99%.

        The First Access Visa® 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
      • Benefits:
        • 1% Cash Back rewards on payments made to your First Access Credit Card;
        • 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

      Apply now
      Reflex® Platinum Mastercard®​ Celtic Bank
      Annual fee:
      $75 for the first year
      $125 after the first year
      Regular APR:
      35.90% 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 35.90% (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.

          The monthly maintenance fee (from the 2nd year) is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

          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
        Apply now
        Total Visa® Card The Bank of Missouri
        Annual fee:
        $75.00 for the 1st year, $48.00 after
        Regular APR:
        35.99% *
        Our Rating:
        3.32
        scorer
        Credit score
        Rebuilding Credit to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back on all purchases.
        • Issuer name:
          The Bank of Missouri
        • Details:

          The Total Visa® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.

          The Total Visa® Card's Regular APR is 35.99%.

          The Total Visa® Card 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® Card details
        Apply now
        On the Total Visa® Card secure website
        Card detail
        Apply now
        Synovus Bank First Latitude Select Mastercard® Secured Credit Card
        Annual fee:
        $39 annually
        Regular APR:
        19.24% Variable
        Our Rating:
        1.75
        scorer
        Credit score
        No Credit History to Poor (0-579)
        • Rewards Rate:
          • 1% Cash Back rewards on payments made to your First Latitude Secured credit card account.
        • Issuer name:
          Synovus Bank
        • Details:

          First Latitude Select 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 Card earns 1% Cash Back rewards on payments made to your credit card account.

          The First Latitude Select Mastercard® Secured Credit Card charges an annual fee of $39 annually. The APR for Purchases is 19.24% (25.24% 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:
          • 1% Cash Back rewards on payments made to your First Latitude Secured credit card account;
          • Minimum refundable deposit of $200.00 up to $2,000.00*;
          • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
          • Quick and Easy Online Application.
        View all First Latitude Select Mastercard® Secured Credit Card details
        Apply now
        On Synovus Bank‘s site
        Card detail

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

        Apply now
        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
          Apply now
          First Progress Platinum Prestige Mastercard® Secured Synovus Bank
          Annual fee:
          $49 annually
          Regular APR:
          15.24% Variable
          Our Rating:
          3.8
          scorer
          Credit score
          No Credit History to Fair (0-669)
          • Rewards Rate:
            • 1% Cash Back rewards on payments.
          • 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 Card earns 1% Cash Back rewards on payments.

            The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 15.24% (Variable for purchases), 24.24% (Variable for cash advances).

            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
            • Foreign Transaction Fees
          • Benefits:
            • 1% Cash Back rewards on payments;
            • 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
          Apply now
          First Progress Platinum Elite Mastercard® Secured Credit Card Synovus Bank
          Annual fee:
          $29 annually
          Regular APR:
          25.24% 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® Secured Credit Card doesn’t come with any welcome offers, sign-up bonuses or reward rates.

              As a Mastercard®-branded credit option, this First Progress Platinum Elite Mastercard® Secured Credit 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
            • 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
            Apply now
            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 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.
            View all Unique Platinum details
            Apply now
            On Uniquecardservices‘s website
            Card detail
            Apply now
            Secured Mastercard® Merrick Bank
            Annual fee:
            $36 for first year. Billed $3 per month thereafter
            Regular APR:
            22.70% 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: 22.70% 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
              Apply now
              First Progress Platinum Select Mastercard® Secured Synovus Bank
              Annual fee:
              $39 annually
              Regular APR:
              19.24% Variable
              Our Rating:
              3.5
              scorer
              Credit score
              No Credit History to Fair (0-669)
              • Rewards Rate:
                • 1% Cash Back on payments made to your First Progress Secured credit card account.
              • 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 Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

                The card's APR: 19.24% (Variable for Purchases), 25.24% (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:
                • 1% Cash Back on payments made to your First Progress Secured credit card account;
                • 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

              First Electronic Bank Destiny® Mastercard® best for Unsecured

              Apply now
              Destiny® Mastercard® First Electronic Bank
              Annual fee:
              *see terms*
              Regular APR:
              35.90%
              Our Rating:
              1.47
              scorer
              Credit score
              No Credit History to Fair (0-669)
                • Issuer name:
                  First Electronic Bank
                • Details:

                  The Destiny® Mastercard® is a good credit card for people with poor or no credit.

                  The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

                  The card charges an annual fee of $75 for the first year ($99 thereafter).

                • Pros:
                  • No monthly fees
                  • Prior bankruptcies are acceptable
                  • Liability protection
                  • No security deposit required
                • Cons:
                  • No reward
                  • High-interest rates
                  • No mobile app
                  • Credit limit
                • Benefits:
                  • Mastercard® benefits;
                  • Fraud protection;
                  • Reports to all three major credit bureaus.
                View all Destiny® Mastercard® details
                Apply now
                On First Electronic Bank‘s site
                Card detail

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

                Deserve EDU Celtic Bank
                Annual fee:
                $0
                Regular APR:
                22.99% 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 for Students is another card that does not use typical approval processes, instead taking into account things such as your college major, checking account information, and other nontraditional data. You don’t need a credit history or a Social Security number to apply. You won’t pay an annual fee, and you’ll get 1% cash back on all of your purchases, but there’s an 22.99% variable APR regardless of your creditworthiness. One nice perk is the Amazon Student Prime membership you’ll get for free for a year (after you spend $500 during the first three billing cycles), and you can also get up to a $5,000 credit limit.

                • Pros:
                  • Nontraditional approval process
                  • Good perks for students
                  • No co-signer or security deposit
                • Cons:
                  • No intro APR offer
                  • Below average rewards program
                  • Relatively high APR regardless of creditworthiness
                • 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.
                Card detail

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

                Secured Visa® OpenSky®
                Annual fee:
                $35 annually
                Regular APR:
                25.64% Variable
                Our Rating:
                3.82
                scorer
                Credit score
                No Credit History to Good (0-739)
                  • Issuer name:
                    Capital Bank
                  • Details:

                    The OpenSky® Secured Visa® Credit Card does not require a credit check to apply, making it an easy choice if you happen to have made some financial mistakes along the way or have an insufficient credit history. You won’t earn rewards with this card but it has a reasonable, variable APR of 25.64%. You’ll need to make a security deposit from $200 to $3,000, which will define your credit limit. Auto rental insurance and $0 fraud liability are nice perks.

                  • Pros:
                    • No credit check to apply
                    • Refundable deposit
                    • Reports to all three credit bureaus
                  • Cons:
                    • $35 annual fee
                    • No APR intro offer
                  • Benefits:
                    • No credit check necessary to apply;
                    • Reports to three major credit bureaus;
                    • Build credit quickly;
                    • Doesn't require a bank account.
                  Card detail

                  Citi Secured Mastercard® best for First time applicants

                  Secured Mastercard® Citi
                  Annual fee:
                  $0
                  Regular APR:
                  27.74% Variable
                  Our Rating:
                  2.74
                  scorer
                  Credit score
                  No Credit History to Fair (0-669)
                  • Balance Transfer APR:
                    27.74% Variable
                  • Issuer name:
                    Citi
                  • Details:

                    The Citi Secured Mastercard® requires a security deposit of $200 to $2,500, and the amount you put down serves as your credit limit. After making payments on time for up to 18 months, you can upgrade to an unsecured card. This card doesn’t come with an annual fee but there’s a variable APR of 27.74%.

                  • Pros:
                    • No annual fee
                    • $0 fraud liability on unauthorized charges
                    • Identity theft assistance
                  • Cons:
                    • No rewards program
                    • No APR intro offer
                    • Foreign transaction fees and penalty APR of up to 29.99% variable
                  • Benefits:
                    • $0 Liability;
                    • Digital Wallets.
                  Card detail

                  Lead Bank Self Visa® best for No history

                  Self Visa® Lead Bank
                  Annual fee:
                  $25 annually
                  Regular APR:
                  26.99% Variable
                  Our Rating:
                  1
                  scorer
                  Credit score
                  No Credit History to Poor (0-579)
                    • Issuer name:
                      Lead Bank
                    • Details:

                      The Self Visa® Credit Card is paired with a Self Credit Builder Account that can help you build credit without putting down a big security deposit. First, you have to apply for the account, which will get you a loan typically between $500 and $1,700. These funds will be held in a CD account and earn interest. Next, you make payments that you set for 12 to 24 months to pay off your loan. Once you’ve paid off your loan, you’ll have access to the total amount, less fees and any outstanding charges. Once you’ve set up your Credit Builder Account, paid at least $100 towards loan balance, made at least three monthly payments on time, and have the account in good standing, you automatically become eligible for the credit card.

                    • Pros:
                      • Build deposit over time while earning interest
                      • Set your credit limit
                      • Low fees
                    • Cons:
                      • No immediate access to credit
                      • $25 annual fee
                    • Benefits:
                      • Your next tool for building credit;
                      • No additional money up front;
                      • Increase your credit limit.
                    Card detail

                    Short Review of Best Credit Cards For People With No Credit History

                    NameBest forRewards RateAPRApply
                    Capital One Quicksilver Secured Cash Rewards Credit Card
                    3.54
                  • 5% Cash Back on hotel and rental car purchases through Capital One Travel.
                  • 1.5% Cash Back on every purchase.
                  • 29.99% VariableLearn more
                    on our partner’s site
                    Capital One Quicksilver Student Cash Rewards Credit Card
                    3.43
                    International students
                  • 10% Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
                  • 1.5% Cash Back on all purchases.
                  • 19.99% - 29.99% VariableLearn more
                    on our partner’s site
                    Capital One SavorOne Student Cash Rewards Credit Card
                    3.87
                    International students
                  • 8% Cash Back on Capital One entertainment purchases.
                  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
                  • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
                  • 1% Cash Back on all other purchases.
                  • 19.99% - 29.99% VariableLearn more
                    on our partner’s site
                    Capital One Platinum Secured Credit Card
                    2.39
                    Single mom, Without SSN
                  • This card doesn't offer cash back, miles or points.
                  • 29.99% VariableLearn more
                    on our partner’s site
                    FIT™ Platinum Mastercard®
                    3.9
                    Unsecured
                  • This card doesn't offer cash back, miles or points.
                  • 35.90% VariableApply now
                    On Continental Finance site
                    Celtic Bank Surge® Platinum Mastercard®
                    3.2
                    Walmart purchases
                  • This card doesn't offer cash back, miles or points.
                  • 35.90% VariableApply now
                    On Celtic Bank‘s site
                    Revvi Card
                    4.1
                  • 1% Cash Back rewards^^ on payments made to your Revvi Credit Card.
                  • 35.99% *Apply now
                    On the Revvi secure website
                    First Access Visa® Card
                    4.2
                    Low income
                  • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
                  • 35.99%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.
                  • 35.90% VariableApply now
                    On Celtic Bank‘s site
                    Total Visa® Card
                    3.32
                  • 1% Cash Back on all purchases.
                  • 35.99% *Apply now
                    On the Total Visa® Card secure website
                    First Latitude Select Mastercard® Secured Credit Card
                    1.75
                  • 1% Cash Back rewards on payments made to your First Latitude Secured credit card account.
                  • 19.24% 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
                    First Progress Platinum Prestige Mastercard® Secured Credit Card
                    3.8
                  • 1% Cash Back rewards on payments.
                  • 15.24% 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.
                  • 25.24% VariableApply now
                    On First Progress’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
                    Merrick Bank Secured Credit Card
                    3.2
                  • This card doesn't offer cash back, miles or points.
                  • 22.70% VariableApply now
                    On Merrick Bank‘s site
                    First Progress Platinum Select Mastercard® Secured Credit Card
                    3.5
                  • 1% Cash Back on payments made to your First Progress Secured credit card account.
                  • 19.24% VariableApply now
                    On First Progress’s site
                    First Electronic Bank Destiny® Mastercard®
                    1.47
                    Unsecured
                  • This card doesn't offer cash back, miles or points.
                  • 35.90%Apply now
                    On First Electronic Bank‘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.
                  • 22.99% VariableLearn more
                    Capital Bank OpenSky® Secured Visa®
                    3.82
                    18 year old
                  • This card doesn't offer cash back, miles or points.
                  • 25.64% VariableLearn more
                    Citi Secured Mastercard®
                    2.74
                    First time applicants
                  • This card doesn't offer cash back, miles or points.
                  • 27.74% VariableLearn more
                    Lead Bank Self Visa®
                    1
                    No history
                  • This card doesn't offer cash back, miles or points.
                  • 26.99% VariableLearn more

                    Who should apply?

                    Capital One Platinum Secured Credit Card

                    The Capital One Platinum Secured Mastercard® Credit Card is a sound starter card for those who want to build or rebuild credit. It’s also a solid choice for those who typically don’t carry a balance due to its high APR and those who don’t really care about rewards.

                    Read more about Capital One Platinum Secured Credit Card

                    Celtic Bank Deserve EDU

                    The Deserve EDU for Students could be a great solution if you are a student and don’t have any credit history or a Social Security number. You won’t earn outstanding rewards, but you’ll get some, plus you’ll receive some nice perks for students.

                    Read more about Celtic Bank Deserve EDU

                    Capital Bank OpenSky® Secured Visa®

                    The OpenSky® Secured Visa® Credit Card is another choice for those with either no credit or bad to fair credit because there is no credit check required to apply, and typically it’s easy to get approved. The APR is relatively low, so if you’re someone who carries a balance, you might consider this card. If lower interest rates and fees mean more to you than having a rewards credit card, this could be a good fit.

                    Read more about Capital Bank OpenSky® Secured Visa®

                    Citi Secured Mastercard®

                    The Citi Secured Mastercard® works if you have limited or nonexistent credit and want a basic card that will help you build a long-term history. It’s also a good choice for those who want the option to graduate to an unsecured card, but it can take some time.

                    Read more about Citi Secured Mastercard®

                    Lead Bank Self Visa®

                    The Self Visa® Credit Card might be a match if you’re serious about building credit and want to build your security deposit rather than put it down upfront. You can also qualify for the credit card without going through a credit check once you’re eligible. So if you have patience and can wait for the actual credit card, this could be the one for you. Additionally, you start building your credit by setting up a Credit Builder Account even before you’re approved for the credit card.

                    Read more about Lead Bank Self Visa®

                    What do you need to get a credit card without credit?

                    You can still get a credit card without any credit. However, you will need to look at starter cards, such as secured credit cards and student cards designed for those light in the credit department. Just keep in mind that you’ll need to put down a security deposit for a secured card.

                    If you apply for a card, you’ll usually need to provide your Social Security or individual taxpayer identification number, identify your income source(s), and provide information on your monthly housing or rent payment.

                    You can also ask a friend or family to become an authorized user on their account — your name will be on the account, but the cardholder will be responsible for payments. It’s best to ask someone to do this if they have a long and healthy payment record with the card.

                    How to build your credit with no or little credit

                    There are plenty of ways to build your credit if you don’t have much or any already. If you get a secured card, leave your security deposit alone and pay off your card in full each month. Once you’ve established some history, you might consider switching from a secured card to an unsecured one. And as discussed, student cards are another great way to build credit.

                    You could apply for a retail card from your favorite department store, which is generally very easy to get approved. Don’t overspend on the card, and again, pay off the entire bill each month — as all your activity will be reported to the credit bureaus.

                    In addition, you might consider applying for a credit builder loan, which is designed particularly to raise your credit score. The lender gives you a loan, puts it into an account, reports to the credit bureaus, and gives you back the money once you’ve paid it off.

                    Why is building a credit history important?

                    Having a good credit history is crucial for many things you’ll want to do in life. You’ll need it if you want to get approved for a mortgage or a car loan or apply for an advanced credit card. You’ll need solid credit if you want to rent an apartment, get cable service or hook up utilities without a security deposit. And sometimes, a prospective employer will even check your score before offering you the job. In short, having a good credit history is essential for your financial future.

                    How to compare credit cards for people with no history

                    Just because you don’t have any credit history doesn’t mean you don’t have credit card options. You’ll want to compare the things you’d compare even if you had a credit history. It’s always best to look for a card with no annual fee and a low interest rate. After that, compare the rewards and perks of each card to see what best fits your spending habits. Combine these features to figure out which card suits your needs best.

                    Where to get a credit card with no credit?

                    You can find student and secured credit cards from many issuers. Use this guide to explore eight good choices, then compare features and make an individualized decision.

                    What’s the best credit card for people with limited or no credit?

                    There is no one best credit card for people with limited or no credit. The best credit card is one that checks most of your boxes and works with your financial habits and goals.

                    Are there any instant approval credit cards for people with no credit?

                    Yes: Two of the cards on this list offer instant approval for people with no credit, the OpenSky® Secured Visa® Credit Card and the Self Visa® Credit Card.

                    Secured vs. unsecured cards for no credit

                    If you don’t have credit, it’s definitely easier to get a secured card but not impossible to get an unsecured one. If you’re light on cash for the security deposit most secured cards require, you might want to try for an unsecured one. Both cards will work for building credit, but if you have any issues managing money, you should consider a secured one because it can help you not to overspend and get into debt.

                    FAQ

                    What are other credit cards to consider for someone with no credit?

                    Some other cards to consider if you don’t have credit include:
                    • Capital One Journey Student Credit Card
                    • Chime Credit Builder Visa® Card
                    • Discover it® Student chrome
                    • Bank of America® Travel Rewards Credit Card for Students
                    • BankAmericard® Secured Credit Card
                    • U.S. Bank Secured Visa® Card

                    How old do you have to be to get a credit card?

                    The legal age to sign up for a credit card in the U.S. is 18. However, authorized users younger than 18 can be added on the card, depending on the issuer.

                    How long does it take to get a credit score?

                    If you have no credit, it doesn’t take long to build it. According to the credit bureau Experian, “most credit scoring systems require at least three months of history in order to calculate a score, and some may require more.”

                    Does a credit check affect my score?

                    A “soft” credit inquiry does not affect your credit score. Examples of soft inquiries include a prospective landlord or employer running a check or a lender doing one to pre-approve you for an offer. A “hard” inquiry, on the other hand, can temporarily lower your score by a few points and is visible to other lenders. Examples of hard inquiries include a lender — such as a car dealership or mortgage company —or credit card issuer pulling your credit report when making the decision to approve you.
                    Hanna VolkavaHanna Volkava

                    Financial and product expert

                    hv@myfin.us