Credit Cards for 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: No annual fee; access to higher credit line after making first 5 monthly payments on time
  • 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
  • Regular APR
    26.96% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Perfect credit not required; Reports to major credit bureaus
  • 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
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Reports to Consumer Reporting Agencies; quarterly FICO Score provided free on monthly statement
  • Must have checking account to qualify
  • Manage your account online 24/7 free of charge
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad/Fair Credit 470 - 669

Best Card Features: Reports to Consumer Reporting Agencies; quarterly FICO Score provided free on monthly statement
  • Must have checking account to qualify
  • Manage your account online 24/7 free of charge
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad/Fair Credit 470 - 669

Best Card Features: No late fees or interest charges; NetSpend Mobile App to manage account, and get text message or email alerts
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Regular APR
    See website for Details*
  • Intro APR
    See website for Details*
  • Annual Fee
    See website for Details*
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Reports to major credit bureaus; fast application process with response in seconds; checking account required
  • 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
  • Regular APR
    See Terms
  • Intro APR
    N/A
  • Annual Fee
    See Terms
  • cdm-card

    Bad Credit300 - 639

Best Card Features:
  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK
  • Regular APR
    N/A
  • Intro APR
    None
  • Annual Fee
    N/A
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Builds credit by reporting to all 3 major credit bureaus; low fixed 9.99% interest rate; no penalty rate
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Regular APR
    9.99%
  • Intro APR
    N/A
  • Annual Fee
    $49
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No annual fee; reports to major credit bureaus; access to higher credit line after making first 5 monthly payments on time
  • 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
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Reports to major credit bureaus; initial credit limit of $400; fast application process with results in seconds
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00!* (subject to available credit)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No late fee, international fee or annual fee: $500 to $10,000 credit limits; no credit history necessary for approval
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • $500 – $10,000 credit limits
  • No credit history necessary for approval
  • Regular APR
    15.24% - 26.24% (variable)
  • Intro APR
    N/A
  • Annual Fee
    None
  • cdm-card

    Fair Credit 640 - 699

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