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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:
  • 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
    Recommended:
    Fair Credit
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
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $39
  • Editor Rating :
  • Credit
    Recommended:
    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
    Recommended:
    Poor Credit
Best Card Features:
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    22.99%* (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Limited/No Credit
Best Card Features:
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • 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
    Recommended:
    Poor Credit
Best Card Features:
  • Designed to help you build credit with responsible use
  • Good credit or bank account is not required
  • Get pre-qualified in seconds
  • pre-qualifying will not impact your credit score
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.99%
  • Intro Rate :
    N/A
  • Annual Fee:
    $39
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  •  Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
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
    Recommended:
    Poor Credit
Best Card Features:
  • 1% cash back on eligible purchases, terms apply
  • Double cash back at the NASCAR.com Superstore
  • Access to exclusive offers and discounts from NASCAR partners
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.90% - 24.40% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.99% (Fixed)
  • Intro Rate :
    N/A
  • Annual Fee:
    $48
  • Editor Rating :
  • Credit
    Recommended:
    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:
    20.49% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    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:
    23.49% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.90% - 24.40% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    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
    Recommended:
    Poor Credit
Best Card Features:
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.90% - 24.40% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We’ll let you know as soon as you’re eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that’s right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.90% - 24.40% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.9%
  • Intro Rate :
    N/A
  • Annual Fee:
    $35-$99*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
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
    Recommended:
    Poor Credit
Best Card Features:
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
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
    Recommended:
    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
    Recommended:
    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.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.89% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $35
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit