Credit Cards for New to Credit

If you are aiming to build credit, in search of an initial credit card, or have not previously owned a credit card, you have arrived at the ideal starting point. Present-day consumers in pursuit of a new starter credit card are presented with an unprecedented array of options. The card programs highlighted below are specifically tailored for individuals seeking to acquire their first credit card. We invite you to apply with assurance.

☆   Card Spotlight
TODAY’S FEATURED CARD

Experian Credit Match

Get matched to credit cards based on your credit profile

  • Rating

      

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Annual Fee

    See Terms

  • Updated For

    Thu 18 Apr 2024

  • Full Details

    Card Page

GO2bank

Get your pay up to 2 days early - Get your government benefits up to 4 days early.*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    0.00

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

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 Page

Extra Card

No interest. No credit checks. No deposit required.

  • Card Brand

    MasterCard®

  • Rewards Rate

    Earn up to 1% in points

  • Annual Fee

    See Terms

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

  • Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.¹
  • No interest. No credit checks. No deposit required.
  • Track your spending & credit score—follow your progress with Credit Journey on the Extra App
  • Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store¹
  • Use your bank—keep your money where you want, while spending smarter with Extra.¹
  • ¹The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.
Card Details Page

Chime Credit Builder Visa® Credit 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.

 

Card Details Page

Kikoff

0% APR and No Hidden Fees

  • Card Brand

    MasterCard®

  • Rewards Rate

    See Terms

  • Annual Fee

    $0.00

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

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 Page

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Provider Website

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    See Provider Website

  • Full Details

    Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
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Super+

Get a cash advance up to $250 or your money back guaranteed – with no interest or credit check

  • Card Brand

    MasterCard®

  • Rewards Rate

    See Website for Details

  • Annual Fee

    See Website for Details

  • Credit Recommended

    300-700

  • Regular Purchase APR

    See Website for Details

  • Full Details

    Card Page

Highlights

  • Members have seen their credit scores increase 28 points on average in 2 weeks by reporting their rent payments through Super+
  • Get a cash advance up to $250 or your money back guaranteed – with no interest or credit check
  • Credit building suite with bureau reporting, monitoring, and credit report access
  • Super Card with 0% APR
  • Unlimited 1-10% Cashback
  • $15/month for Super+
  • Money Back Guarantee*
  • *Not all users will qualify. Advances range from $20 to $250. Express transfer fee may apply. Terms apply.
Card Details Page

Self Credit Builder + Credit Card Combo

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    One Time $9 - $15 Account Fee (Varies by Product)

  • Credit Recommended

    No Credit History

  • Regular Purchase APR

    12.03% - 15.98% (Varies by Product)

  • Full Details

    Card Page

Highlights

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you’ve built credit history and your CD savings unlocks
Card Details Page

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No Credit