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:

Add your positive utility payment history to instantly increase your FICO® Score
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
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: No Annual Fee; Cash Back match at the end of your first year; Social Security Alerts
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Regular APR
    24.49% Variable
  • Intro APR
    10.99% on balance transfers for 6 months
  • Annual Fee
    $0
  • cdm-card

    Bad Credit300 - 639

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: 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 Overdraft Fees on Card purchases.
  • No late fees or interest charges because this is not a credit card.
  • 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: Instant $500 Credit Line*
  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK

*See Terms & Conditions for Details

  • Regular APR
    N/A
  • Intro APR
    None
  • Annual Fee
    N/A
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Free FICO® Score each month, Double Your Line™ feature, no penalty rates/over limit fees or other hidden fees
  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 – $1,250, Doubling to $1,100 – $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Regular APR
    20.95% - 29.20% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0-$70
  • cdm-card

    Bad/Fair Credit 470 - 669

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: Unsecured credit line increases
  • 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.
  • Regular APR
    18.95% Variable
  • Intro APR
    N/A
  • Annual Fee
    $36 for first year. Billed $3 per month thereafter
  • 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
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on purchases right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Regular APR
    14.49 - 25.49% Variable
  • Intro APR
    N/A
  • Annual Fee
    None
  • cdm-card

    Fair Credit 640 - 699

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