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.
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
Fri 26 Apr 2024
- Full Details
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
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 PageExtra 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
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.
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
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
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 PagePREMIER 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
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.
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
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.
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
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