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:
- 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
- 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
- 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
- Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
- Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
- Build your credit – performance is reported to all three major credit bureaus, unlike a prepaid card.
- 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).
- Easy to sign up. Set up your secure PIN and load money to your card with
cash or checks or enroll in Direct Deposit.
- Enroll in Direct Deposit and get your pay up to two days early. Certain
- Easy Online Bill Pay — pay your rent, utilities or a friend*.
* Certain restrictions apply. See card site for details. Click on “Apply Now” to learn more about Midnight Prepaid Visa RushCard
- 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
- Guaranteed $500 Credit Line*
- No Credit Check
- Fast Online Application
- Bad Credit – OK
- 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
- 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
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00!* (subject to available credit)
- Get the savings plan that helps build credit today! No checking account or security deposit required.
- Choose the amount you want to save and make monthly payments towards your savings goal
- Monthly payments are reported to the three major credit bureaus.
- For example: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%