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Credit Cards for Limited or No Credit History

These credit cards are for people that have limited or no credit history. Our objective opinion is included on each card. The cards are sorted in order of our editor’s opinion.

1. Capital One® Platinum Credit Card
Capital One® Platinum Credit Card Apply Now See Details
Intro Rate: N/A
Interest Rate: 24.9% (V)
Annual Fee: $0 intro for first year; $19 after that

Credit Profile : Fair

Editor Rating :

Best Card Features: Annual fee waived the first year.

2. Capital One® Classic Platinum Credit Card
Capital One® Classic Platinum Credit Card Apply Now See Details
Intro Rate: 0% intro APR on purchases until March 2014
Interest Rate: 19.8% (V)
Annual Fee: $39

Credit Profile : Fair

Editor Rating :

Best Card Features: 0% intro APR offer on purchases until March 2014, MasterCard benefits

3. Journey (SM) Student Rewards from Capital One®

Journey (SM) Student Rewards from Capital One® Apply Now See Details
Intro Rate: N/A
Interest Rate: 19.8% (V)
Annual Fee: $0

Credit Profile : Fair

Editor Rating :

Best Card Features: Rewards program; No annual fee.

4. Capital One® Cash Rewards for Newcomers
Capital One® Cash Rewards for Newcomers Apply Now See Details
Intro Rate: N/A
Interest Rate: 24.9% (V)
Annual Fee: $0

Credit Profile : Fair

Editor Rating :

Best Card Features: No annual fee; Rewards program.

5. Capital One® Secured MasterCard®
Capital One® Secured MasterCard® Apply Now See Details
Intro Rate: N/A
Interest Rate: 22.9% (V)
Annual Fee: $29

Credit Profile : Poor

Editor Rating :

Best Card Features: Automatic reporting to credit bureaus; increases in credit line.

6. Capital One® Cash Rewards
Capital One® Cash Rewards Apply Now See Details
Intro Rate: 0% intro APR on purchases until March 2014
Interest Rate: 19.8% (V)
Annual Fee: $39

Credit Profile : Good

Editor Rating :

Best Card Features: 0% intro APR offer on purchases until March 2014, unlimited cash back

7. American Express® Serve
American Express® Serve Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: None

Credit Profile : Poor

Editor Rating :

Best Card Features: No credit check, No monthly fee, No annual fee

8. Prepaid Visa® KLS RushCard
Prepaid Visa® KLS RushCard Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: FDIC insured; Easy online interface

9. Baby Phat Prepaid Visa® RushCard
Baby Phat Prepaid Visa® RushCard Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: No credit check, no hidden fees, Free online tools

10. Prepaid Visa® RushCard
Prepaid Visa® RushCard Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: Multiple fee plans to help reduce overall fees

11. Prepaid Visa® Pink Diamond RushCard
Prepaid Visa® Pink Diamond RushCard Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: 24/7 customer service; Earn fee rebates

12. Black Diamond Prepaid Visa® RushCard
Black Diamond Prepaid Visa® RushCard Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: Use everywhere Visa is accepted

13. Horizon Gold Credit Card
Horizon Gold Credit Card Apply Now See Details
Intro Rate: None
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Fair

Editor Rating :

Best Card Features: When you apply for your Horizon Gold account, you are guaranteed to receive the $500.00 Credit Card. Don’t wait, apply today!

14. The First Progress Platinum Elite MasterCard® Secured Credit Card
The First Progress Platinum Elite MasterCard® Secured Credit Card Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: N/A

15. Purple Diamond Prepaid Visa® RushCard
Purple Diamond Prepaid Visa® RushCard Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: Use anywhere Visa is accepted; 24/7 customer service

16. 1st Platinum Plus Credit Card
1st Platinum Plus Credit Card Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: Apply today and receive up to $3,500 guaranteed credit line.*

17. First Progress Platinum Select MasterCard® Secured Credit Card
First Progress Platinum Select MasterCard® Secured Credit Card Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: N/A

18. Open Sky Secured Visa® Credit Card
Open Sky Secured Visa® Credit Card Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: $50 Per Year

Credit Profile : Poor

Editor Rating :

Best Card Features: N/A

19. BuyRight Prepaid MasterCard®
BuyRight Prepaid MasterCard® Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Poor

Editor Rating :

Best Card Features: No APR; no annual fee.

20. Vision Premier® Visa® Prepaid Card
Vision Premier® Visa® Prepaid Card Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: N/A

Credit Profile : Fair

Editor Rating :

Best Card Features: Free Direct Deposit, 1% Cash Back on gasoline purchases, free savings account, free roadside assistance.

21. Cerulean Discover® Card
Cerulean Discover® Card Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: $75 annual fee; $12 maintenance fee/month

Credit Profile : Poor

Editor Rating :

Best Card Features: Great for those with poor/no credit history