Credit Cards for Limited Credit
Building credit can be difficult when you are not given an opportunity to do so. However, credit cards designed for individuals with limited credit offer a straightforward solution. These credit cards are particularly useful for recent college graduates and other individuals with limited credit histories. By applying for one of these credit cards, you can take a crucial step towards building your credit and boosting your score. Eventually, you’ll be able to explore other credit options. Check out our comprehensive list of some of the best credit cards for individuals with limited credit to find the right offer for you.
Experian CreditMatch™
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
- Rating
- Credit Recommended
Any Credit History
- Regular Purchase APR
See Terms
- Annual Fee
See Terms
- Updated For
Fri 01 Nov 2024
- Full Details
GO2bank
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
0.00
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Credit Recommended
All Credit Types Considered
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Regular Purchase APR
n/a
- Full Details
Highlights
- Overdraft protection up to $200 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
Card Details PageChime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Card Brand
Visa®
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Rewards Rate
See Website for Details
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Annual Fee
$0.00
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Credit Recommended
Limited to Good
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Regular Purchase APR
0.00%
- Full Details
Highlights
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
- Credit Builder is a secured credit card
- No credit check to apply
- No annual fees
- No minimum security deposit*
- Limit risk of overspending
Eligibility Requirements
- 1. “Apply” for the Credit Builder Card
- 2. Chime Checking Account required to apply
Build Credit History
- Help increase your credit scores/FICO® Score by an average of 30 points¹
- Build credit history
- A better way to build credit
- Meet Credit Builder, a brand new way to build credit
- Using Credit Builder can build your credit history
- Start building credit history with money you’ve set aside
Safer Credit Building
- Turn on Safer Credit Building* to automatically pay your balance in full each month
- Your balance will be automatically paid on time², every month
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Card Details PageMilestone® Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
See Terms
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Credit Recommended
Fair/Good
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Regular Purchase APR
See Terms
- Full Details
Highlights
- Greater access to credit than before – $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
Ava
NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.
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Card Brand
MasterCard®
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Rewards Rate
See Terms
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Annual Fee
Starting at just $6/month for the annual plan
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
Highlights
Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.
With Ava, you can expect:
- No hidden fees
- 0% interest
- Instant account set up with no credit check
- $0.00 deposit/collateral required
MAGNUM – Credit Builder Account
No credit history needed; no hard check required
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Card Brand
Other
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Rewards Rate
See Terms
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Annual Fee
n/a
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Credit Recommended
All Credit Types Considered
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Regular Purchase APR
n/a
- Full Details
Highlights
- Get up to a +86 average* FICO® Score increase on autopilot
- Largest credit builder in the nation
- Build from $2,000 up to $30,000 of credit history starting at low monthly payments
- Great if you want to access premium CCs & higher credit limits
- No credit history needed; no hard check required
- No prepayment or early cancellation fees
*Individual results may vary, terms and conditions may apply.
Card Details PageKikoff
0% APR and No Hidden Fees
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Card Brand
MasterCard®
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Rewards Rate
See Terms
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Annual Fee
$0.00
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
Highlights
- No credit check
- 0% APR and No hidden fees
- Open your account in minutes
- Bank-level security keeps your data safe
- A tradeline from $750 up to $2,500
- Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.
Credit building on your terms
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
Card Details PageKlover
Pocket your cash in minutes –– get up to $200
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Card Brand
Other
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Rewards Rate
n/a
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Annual Fee
$0.00
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
Highlights
Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $200 cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero.
HOW TO GET YOUR FIRST ADVANCE:
- Enter your name, email and phone to sign up in seconds
- Connect your bank so we know where to send your money
- Pocket your cash in minutes –– get up to $200
But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie:
SCORE EASY POINTS
Earn points for things like taking surveys and watching ads. You can then cash them out for a bigger advance or to enter our daily sweepstakes.
WIN MONEY ON THE DAILY
You’ve got a chance to win $100 every day. Plus, five people get to pocket $20. That’s over 2000 chances to win each year!
BUDGET LIKE A BOSS
Level up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets.
MONEY FROM THE FUTURE
It’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero.
Card Details PageNet First Platinum
$750.00 Line of Credit*
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
See website for Details*
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Credit Recommended
Damaged credit to Fair credit
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Regular Purchase APR
0.0% APR
- Full Details
Highlights
The Net First Platinum card could be the perfect card for you.
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
- No Employment or Credit Check
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
*See Card for Details
Card Details PageGroup One Platinum Card
Bad Credit, No Credit? No Problem!
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Card Brand
Other
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Rewards Rate
n/a
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Annual Fee
See website for Details*
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Credit Recommended
Damaged/Fair
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Regular Purchase APR
0% APR
- Full Details
Highlights
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
Merrick Bank Secured Credit Card
Get your FICO® Credit Score for free each month.
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
$36 for first year. Billed $3 per month thereafter
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Credit Recommended
See website for Details*
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Regular Purchase APR
22.70% Variable
- Full Details
Highlights
- 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!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.