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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 won’t expire for the life of the account and there’s no limit to how much you can earn
  • 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:
    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 for first year! $29 Annual Fee starting in the second year and thereafter. Build up your
    credit with responsible card use.
  • Full-Feature Platinum Mastercard Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.99% (V)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 in the First Year. $29.00 in the 2nd and subsequent years
  • Editor Rating :
  • Credit
    Recommended:
    Poor 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:
    24.49% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair 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:
  • 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:
    23.99%* (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Limited/No Credit
Best Card Features:
  • 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.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    18.95% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $36
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.24% - 25.24% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • 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 won’t expire for the life of the account
  • 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:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair 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:
  • 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
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:
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It’s fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 - $99
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.15% - 25.24% 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:
  • 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:
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • *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:
    18.39% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $35
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit