Limited/No Credit

These credit cards are for people that have limited or no credit history. Limited or no credit history means you do not have any established credit, either good or bad. If you have bad credit, we have a selection of cards for you on our bad credit page.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.24% (Variable)
  • Intro Rate :
    0% intro on purchases for 9 months and 0% intro on balance transfers for 9 months
  • Annual Fee:
    $39
  • Editor Rating :
  • Credit Needed :
    Fair Credit
Best Card Features:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Fair Credit
Best Card Features:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Start building credit for tomorrow
  • A security deposit is required for this product (minimum $200)
  • Unlike a prepaid card, it helps build credit history, with monthly notifications to the credit bureaus
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    22.24%* (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $25
  • Editor Rating :
  • Credit Needed :
    Limited/No Credit
Best Card Features:
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit) All credit types welcome to apply!
  • Fast and easy application process; results in seconds
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    See Terms*
  • Intro Rate :
    N/A
  • Annual Fee:
    See Terms*
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • 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
  • There’s no limit to the amount of cash back you can earn, and rewards don’t expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    20.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Fair Credit
Best Card Features:
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Fair Credit
Best Card Features:
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.99%
  • Intro Rate :
    N/A
  • Annual Fee:
    $49
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you’re Pre-Qualified in less than 60 seconds.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • See if you Pre-Qualify without harming your credit score.
  • This is a fully functional, unsecured credit card – not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.65% - 24.15% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    None
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Fair Credit
Best Card Features:
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.64% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $35
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay – pay bills, rent, or write personal checks.
  • Free 24/7 customer service.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Get your government benefits up to two days early with Direct Deposit. *Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay – pay bills, rent, or write personal checks.
  • Safer than carrying cash, use everywhere Visa debit cards are accepted.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Get your government benefits up to two days early with Direct Deposit. *Certain restrictions apply. See card site for details.
  • Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC
  • No overdraft fees
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Earn fee rebates for maintaining balance in RushGoals program.
  • Transfer money to another RushCard member for just $0.99.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Choose from multiple fee plan options, and switch for free.
  • No overdraft fees.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Poor Credit
Best Card Features:
  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Safer than carrying cash, use everywhere Visa debit cards are accepted.
  • Conveniently send money to family and friends with card to card transfers.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    N/A
  • Editor Rating :
  • Credit Needed :
    Poor Credit