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: 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 Credit

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).
  • Regular APR
    See website for Details*
  • Intro APR
    See website for Details*
  • Annual Fee
    See website for Details*
  • cdm-card

    Bad Credit

Best Card Features: Unlimited Cash Back Rewards
  • Unlimited by Green Dot Bank. Banking. Saving. Simple.
  • 2% interest (APY) on your savings + 2% cash back on online and mobile purchases
  • Visit GreenDot.com for terms and conditions.
  • Regular APR
    See Terms*
  • Intro APR
    See Terms*
  • Annual Fee
    See Terms*
  • cdm-card

    All Credit Profiles

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 Credit

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

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 Credit

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!
  • Regular APR
    17.45% Variable
  • Intro APR
    N/A
  • Annual Fee
    $36 for first year. Billed $3 per month thereafter
  • cdm-card

    Bad Credit

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 Credit

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
  • 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
  • cdm-card

    Bad Credit

Credit cards for limited and no credit history are cards created to help consumers who don’t have a credit profile build up that profile and ultimately improve their credit score.

These cards are generally meant to be “stepping stone” cards, allowing consumers to have an option if they have never previously had a credit profile 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.

To get the most benefit out of these cards, they 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 main factors utilized in determining your credit score. It is also extremely important to make the payments in a timely manner. Using the card each month and then paying it off on time may also help you establish a credit history, which over time will increase your credit score.

Many consumers use these cards until they start to build a credit profile, and then may graduate to a card designed for those with fair or possibly 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 straight to the credit card issuer’s secure website, where you can easily apply for the card.

How fast will I be approved?

In some cases, you will receive instant notification as to whether you were approved for the card or not. 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 may take 7-10 business days, and during this time, the credit card company may be further reviewing the information which you provided as well as possibly 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 previously had a credit card, 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. 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 applying 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 the higher fees and interest rates may be worth it. Banks and credit card issuers are taking a greater chance or financial risk by offering a credit card product to someone with limited or no credit history. Your credit history is how these financial 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. This may 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 may not be from national banks or issuers that you recognize. Any credit card offer carried on LowCards is a 100% 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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