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

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.

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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • 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
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Variable APRs 14.49% – 25.49%
  • Regular APR
    14.49 - 25.49% Variable
  • Intro APR
    N/A
  • Annual Fee
    None
  • cdm-card

    Fair Credit 640 - 699

Credit cards for limited and no credit history are special cards created with the purpose of helping those who don’t have a credit profile build up their profile and ultimately improve their credit score.

These cards are generally meant to be “stepping stone” cards, allowing consumers to have an option for them if they have never had a credit profile before or have a limited credit profile. This is different from cards designed for those with poor or bad credit as these cards are specifically created for individuals without a credit history.

These cards should be used monthly, and we also recommend paying off as much of your balance each month as possible. This will help you keep a low debt to credit limit ratio, which is one of the factors utilized in determining your credit score. Utilizing the card each month and then paying it off on time will also help you establish a credit history, which over time will increase your credit score.

Many consumers utilize these cards until they start to build a credit profile, then graduate to a card designed for those with fair or even good credit depending on how much of a profile they build and how high their credit score becomes.

Choosing the right card for your credit profile is important, as it will maximize the chances of you being approved for the card, while getting you the most benefits. Those with good credit, for example, should not apply for a card designed for limited or no credit as they will be paying more in fees and interest than they have to while losing out on perks and features offered in cards designed for a higher credit profile.

LowCards offers a variety of credit card options designed for those with limited or no credit. We recommend choosing a card which reports to the three major credit bureaus, has the lowest fixed fees possible, and has the lowest interest rate. This will allow you to build up your credit score while keeping costs and fees as low as possible during this time.

Questions & Answers About Credit Cards For No/Limited Credit

How do I apply?

The most secure, fastest, and easiest way to apply is online. Online credit card applications are always securely transmitted and minimize the chance of your personal information or data falling into the wrong hands. LowCards’ website is completely secure, and clicking on the apply now button on any of the credit card offers will securely redirect you directly to the credit card issuer’s secure website where you can easily apply for the card.

How fast will I be approved?

In most cases, you will receive instant notification as to whether you were approved for the card or not. In some instances, for example if you provide inaccurate information or if the credit card issuer cannot verify the information provided, the credit card issuer may defer the approval decision and send it to an underwriter for further research. This generally takes 7-10 business days and during this time the credit card company is further reviewing the information which you provided as well as further evaluating your credit report to determine if they would like to approve you for the card.

Can I get one of these credit cards if it is my first ever credit card?

Yes. These credit cards which are specifically designed for no credit or limited credit are a fantastic choice for first time credit card users. If you have never had a credit card before, this is where you should likely begin. Keep in mind your credit history is more than just credit cards. Things like auto loans, mortgages, personal loans, and more report to the major credit bureaus. We always recommend you know your full credit report history and your credit score before applying for a card, as even if you have never had a credit card before, you may have a high enough credit score and history to apply for a higher category of card. If you truly have no credit history or a very limited credit history, then apply for one of these credit cards is your best chance at approval.

Are the higher fees and interest rates worth it?

If you have limited or not credit profile, then yes the higher fees and interest rates are worth it.  Banks and credit card issuers are taking a higher chance or risk by offering a credit card product to someone with limited or no credit history.  Your credit history is how these institutions evaluate their risk, and they price their offers accordingly.  These cards will help you build a stronger credit profile when used correctly.  If you are aware and cautious of the fees and interest rates and pay your card in full each month, you can dramatically reduce the overall cost impact of these cards while building your credit profile to open up new offers to you down the road.

I don’t recognize the names of some of these banks.  Are these cards legit, safe, and secure?

Many of the offers designed for consumers with limited, poor, bad, or no credit are from non-national banks or issues that you may not recognize.  Any credit card offer carried on LowCards is 100% a legitimate, safe, and secure offer.  Most of these cards are part of the Visa or Mastercard network, meaning they can be used anywhere that accepts Visa or Mastercard.

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