The #1 Rated Source for Credit Card Information
Low Cards

Debit & Credit Cards for Limited/No Credit

These credit cards and debit 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 and debit 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:
There are pros and cons to selecting a credit card designed for limited and no credit. First and foremost, these cards offer those with no credit profile or limited credit profiles a way to have access to a credit card or prepaid card. Many of these cards, with proper usage, will positively report to the major credit card bureaus to help you establish and build a credit history and stronger credit score over time. These cards, however, often will come at the expense of less perks and features, higher rates and fees, and are not always a good long term solution. We recommend using these cards as a stepping stone to build your credit, then graduating to a card designed for those with fair or poor credit profiles based on your new score.
You should only choose a credit card for limited or no credit if you truly have a limited or have no credit profile. Those with poor, fair, good, or excellent credit should choose an appropriate card for their credit profile. If you do have limited or no credit, these cards will help you have a card to utilize and build your credit over the next year, which will then open the door to additional credit card options for you as you better establish your credit history and score.
LowCards provides a large selection of the best credit cards designed for those with limited or no credit history. In evaluating the cards, we recommend you choose a card which reports to the major credit bureaus and has the lowest possible on-going fees and lowest APR. We also recommend using your card each month for purchases and paying it off in full each month. This will help you establish a payment history, which will help build your credit profile and credit score, and will also help you minimize interest and fees.
 

First Access Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Access Visa® Credit Card

Best Card Features:

Perfect credit not required; Reports to major credit bureaus

  • Get the security and convenience of a full-featured, 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

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Bad Credit

cdm-card

Recommended For: Bad Credit

Netspend® All-Access ® Account by MetaBank®

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Netspend® All-Access ® Account by MetaBank®

Best Card Features:

No minimum balance requirement. Get paid faster.

  • Welcome to Banking made better! The All-Access Account. Banking with no minimum balance required to open an Account.
  • Get paid faster than a paper check with direct deposit.
  • The All-Access Account has the benefits you get from a bank and more. You’ll get access to a feature-filled Account, online banking, and our convenient Mobile App. (Message & Data rates may apply).

See More »

REGULAR APR

See website for Details*

INTRO APR

See website for Details*

ANNUAL FEE

See website for Details*

Bad Credit

cdm-card

Recommended For: Bad Credit

Total Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Total Visa® Credit Card

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

See More »

REGULAR APR

See Terms

INTRO APR

N/A

ANNUAL FEE

See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Horizon Gold

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Horizon Gold

Best Card Features:

Instant $500 Credit Line*

  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application

See More »

REGULAR APR

N/A

INTRO APR

None

ANNUAL FEE

N/A

Fair Credit

cdm-card

Recommended For: Fair Credit

Merrick Bank Secured Visa® from Merrick Bank

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Merrick Bank Secured Visa® from Merrick Bank

Best Card Features:

Unsecured credit line increases

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!

See More »

REGULAR APR

17.45% Variable

INTRO APR

N/A

ANNUAL FEE

$36 for first year. Billed $3 per month thereafter

Bad Credit

cdm-card

Recommended For: Bad Credit

Fit Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Fit Mastercard® Credit Card

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)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Bad Credit

cdm-card

Recommended For: Bad Credit

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

Best Card Features:

Intro APR Offer on Purchases, No Annual Fee For First Year

  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History

See More »

REGULAR APR

12.99% (V)

INTRO APR

0% Introductory APR for the first six months your account is open, afterward regular APR.

ANNUAL FEE

$49

Bad Credit

cdm-card

Recommended For: Bad Credit

Frequent Contributor to:

LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.