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.
1. Capital One® Cash Rewards for Newcomers
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| Interest Rate: | 24.9% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Our Opinion: Created for consumers with average credit who are new to the US. New cardholders will earn 2% on travel-related purchases and 1% on all every other type of purchase. The card can also you build up your credit score because it reports your payment history to all three credit bureaus. There is no annual fee and no charge for foreign transactions. Benefits include $0 Dollar Fraud liability, 24-hour travel and roadside assistance, warranty protections, and even automatic car rental insurance for no additional charge.
2. Capital One® Platinum Credit Card
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| Interest Rate: | 24.9% (V)* |
|---|---|
| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | $19 |
Our Opinion: The Capital One® Platinum Credit Card is designed for individuals with an average credit history who are interested in platinum benefits. The Capital One® Platinum Credit Card provides platinum benefits that are usually not available to individuals with limited or no credit history. These benefits include travel accident insurance, extended warranties for purchases, and roadside assistance. Cardholders also enjoy 24-hour travel and emergency assistance that gives replacement cards and cash advances. When individuals use this card to rent a car, they are automatically covered for collision, damage and loss. Therefore, those who have average credit and will take advantage of the additional services will benefit most from what the Capital One® Platinum Credit Card has to offer.
3. Capital One® Secured MasterCard®
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| Interest Rate: | 22.9% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $3,000 |
| Annual Fee: | $29 |
Our Opinion: This credit card allows individuals with limited or no credit to enjoy the benefits and convenience of a credit card. This card automatically reports to the three major credit bureaus and build your credit when you use the card responsibly. Track you credit information and receive credit tools with free enrollment in CreditInform. You can even earn credit line increases based on your payment and credit history. This card requires a $200 minimum security deposit. Your credit line will be equal to your security deposit, and will range from $200 to $3,000. You can make your security deposit easily online or over the phone. The Capital One® Secured MasterCard® can be used everywhere that MasterCard is accepted. Therefore, if you have limited or no credit, but want the convenience of a credit card, this card may be the right choice for you.
4. Orchard Bank® Visa® Cards
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| Interest Rate: | 14.99% or 19.99%, or 7.99% for* |
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| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Our Opinion: Orchard Bank® Visa Cards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with a limited credit history the opportunity to establish better credit. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum Visa is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. The interest rate is average for this type of card. The Orchard Bank Secured Visa has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Standard Visa is another offer. The processing fee is $39. The annual fee for the first year is $29 and then $59 per year thereafter. The Orchard Bank® Gold Visa has a $49 annual fee the first year, and $59 per year thereafter. Also, applicants should expect to pay an account processing fee of $19. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. Those in need of a credit card that can possibly improve creditworthiness in exchange for the out of pocket costs of additional fees may find one of the Orchard Bank® Visa® Cards to be a good fit. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.
5. Orchard Bank® Classic MasterCard®
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| Interest Rate: | 14.99% or 19.99%, or 7.99% for* |
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| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Our Opinion: Orchard Bank Classic MasterCards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with limited credit histories the opportunity to establish better credit*. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum MasterCard is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. There is no account processing fee and the interest rate is average for this type of card. The Orchard Bank's Classic MasterCard has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Classic MasterCard has an annual fee of $29 the first year and $59 per year thereafter. There is also an account processing fee of $39 per year. The Orchard Bank Gold MasterCard has an annual fee that is based on a review of the applicant's credit history and will be $49 the first year and $59 per year thereafter. Also, applicants should expect to pay $19 for the account processing fee. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.
6. Platinum Zero® Secured Visa® Credit Card from Applied Bank®
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| Interest Rate: | 0%* |
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| Intro Rate: | No Introductory Rate Available |
| Grace Period: | None |
| Credit Limit: | up to $5,000 |
| Annual Fee: | None |
Our Opinion: The Platinum Zero® Secured Visa® Credit Card from Applied Bank® is a secured card. This card is designed for those with limited or poor credit history. The major benefit of this card is that there is a 0% APR on purchases. Also, unlike most secured credit cards, this card provides additional services and benefits, including online account access and various fraud protection services. A downside is that this card does not pay interest to the deposit amount, which sets it apart from other secured cards that do. Those who do not mind accumulating finance charges once a transaction is posted will benefit most from the very low rate that the Platinum Zero® Secured Visa® Credit Card from Applied Bank® has to offer.
7. AccountNow® Prepaid MasterCard®
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| Interest Rate: | n/app* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | up to $10,000 |
| Annual Fee: | None |
Our Opinion: The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month). Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the AccountNow® Prepaid MasterCard® to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
8. Wired Plastic® Prepaid Visa® Card
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| Interest Rate: | n/app* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | n/a |
| Annual Fee: | None |
Our Opinion: Pre-paid card with no annual fee. Applicaion fee is $9.95; monthly fee is $3.95 (fees total $57.35 in 1st year). Minimum load is $10. Card offers direct deposit and a rewards program. Earn 1 point per $1 spent on purchases. Earn unlimited points; points do not expire. Points earned may be used for music downloads, ring tones, calling cards and prepaid wireless service. Employment verification and credit checks are not required for this card.
