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 Credit Match

Get matched to credit cards based on your credit profile

  • Card Brand

    Visa®

  • Rewards Rate

    See Terms

  • Annual Fee

    See Terms

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

Get matched to credit cards based on your credit profile
  • Free Experian credit report and FICO® Score* included
  • See estimated approval odds for select cards before you apply
  • Check if you have pre-approved card offers
See your best matches based on you
  • Simply sign in to see the credit cards that best match you
  • Compare your best options and make your choice
  • We apply your FICO® Score so you can apply with confidence
Card Details Page

Chime® Debit Card

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0.00

  • Credit Recommended

    Limited to Good

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:

  • A Chime Visa® Debit Card
  • A Checking Account
  • Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across checking and saving that align with our members’ interests. They use us because of features like:

  • Fee-free overdraft through SpotMe® ˆ: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200ˆ on debit card purchases without charging a fee.
  • No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
  • Get your paycheck early**: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
  • Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

1The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

2The average national savings account interest rate of 0.21% is determined by FDIC as of November 17, 2022 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit National Rates and Rate Caps to learn more. Visit National Rates and Rate Caps to learn more.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

^^Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

Card Details Page

Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Credit Recommended

    Damaged credit to Fair credit

  • Regular Purchase APR

    0.0% APR

  • Full Details

    Card Page

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 Page

First Progress Platinum Select Mastercard® Secured Credit Card

No minimum credit history or credit score required!

  • Card Brand

    MasterCard®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $39

  • Credit Recommended

    Poor/Limited/No Credit

  • Regular Purchase APR

    18.49% (V)

  • Full Details

    Card Page

Highlights

  • Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
  • No minimum credit history or credit score required!
  • Imagine being rewarded for simply paying your bill each month.
  • Accepted wherever Mastercard® is accepted, online and worldwide!
  • Reports to all 3 major credit bureaus
  • Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Card Details Page
  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $35 - $99*

  • Credit Recommended

    Poor/Bad

  • Regular Purchase APR

    24.9%

  • Full Details

    Card Page

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S

* Dependent on credit worthiness

Card Details Page
  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $0 - $99

  • Credit Recommended

    Fair/Good

  • Regular Purchase APR

    24.9%

  • Full Details

    Card Page

Highlights

  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Card Details Page

Western Union® Netspend® Prepaid Mastercard®

Western Union® transfers, shop online or pay bills

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    Up-to $9.95 monthly*

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • Western Union® transfers, shop online or pay bills.
  • With Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Card use is subject to activation and ID verification. Terms and costs apply.
  • Card issued by Pathward, N.A., Member FDIC.
Card Details Page

Brink’s Prepaid Mastercard®

With Brink’s Direct Deposit, you can get paid faster than a paper check

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    Variable Monthly Fee

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • Brink’s gives you the peace of mind you deserve. Securing cash and valuables since 1859.
  • With Brink’s Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Brink’s Money Prepaid Mobile App to manage your Card Account on the go and enroll to get text message or email alerts (Message & data rates may apply.)
  • Card activation and identity verification required. Terms and Fees Apply.
  • Card issued by Republic Bank & Trust Company, Member FDIC. Click for full details.
  • See additional Brink’s Prepaid Mastercard® Details.
Card Details Page

PayPal Prepaid Mastercard®

With Direct Deposit, you can get paid faster than a paper check

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    Variable Monthly Fee

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • Move money from your PayPal Account.
  • Take advantage of PayPal Payback Rewards and earn on qualifying purchases from select merchants.
  • With Direct Deposit, you can get paid faster than a paper check.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
Card Details Page

Netspend® Prepaid Mastercard®, now a WWEpartner®

No overdraft fees on Card purchases

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    Variable Monthly Fee

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • Pay everywhere Debit Mastercard is accepted.
  • With 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.
  • Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts. (Message & data rates may apply).
  • Card use is subject to activation and ID verification. Terms and Costs Apply.
  • Card issued by MetaBank®, Member FDIC.
Card Details Page

OpenSky® Secured Visa® Credit Card

No credit check to apply and find out instantly if you are approved

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $35

  • Credit Recommended

    Poor

  • Regular Purchase APR

    21.89% (variable)

  • Full Details

    Card Page

Highlights

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
Card Details Page

Merrick Bank Double Your Line® Secured Credit Card

Get your FICO® Credit Score for free each month.

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

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

  • Credit Recommended

    See website for Details

  • Regular Purchase APR

    21.95% Variable

  • Full Details

    Card Page

Highlights

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • 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.
Card Details Page

Group One Platinum Card

Bad Credit, No Credit? No Problem!

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Credit Recommended

    Damaged/Fair

  • Regular Purchase APR

    0% APR

  • Full Details

    Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
Card Details Page

Freedom Gold Card

No Credit Check

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Credit Recommended

    Damaged credit to Fair credit

  • Regular Purchase APR

    0% APR

  • Full Details

    Card Page

Highlights

*See site for details

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit – OK
Card Details Page

Unique Platinum

Guaranteed $1000 Credit Line! Get the things you want today!*

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    $19.95

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    $0

  • Full Details

    Card Page

Highlights

Guaranteed $1000 Credit Line! Get the things you want today!*

  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
Card Details Page