Credit Cards for No Credit
If you’re starting from scratch in building your credit, or if you’re a newcomer to credit and seeking a starter credit card, then you’re in the right place. Nowadays, consumers with little to no credit history can make significant progress more quickly than ever before. Several credit card providers offer options for consumers who are looking for their first line of credit and have no prior experience with credit cards. The card providers listed below are specifically tailored to meet the needs of individuals who are new to credit.
Experian Credit Match
Get matched to credit cards based on your credit profile
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Card Brand
Visa®
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Rewards Rate
See Terms
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Annual Fee
See Terms
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Credit Recommended
Any Credit History
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Regular Purchase APR
See Terms
- Full Details
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
Chime® Debit Card
Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.
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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
Limited to Good
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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.
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 PagePetal® 1 “No Annual Fee” Visa® Credit Card
$300 - $5,000 credit limits
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$0
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Credit Recommended
Fair/Bad/Limited/No Credit
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Regular Purchase APR
24.49 - 33.99% Variable
- Full Details
Highlights
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
- $0 Annual Fee
- Variable APRs range from 24.49% – 33.99%
- $300 – $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- 2% – 10% cash back at select merchants
- See if you’re pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank
Net 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 PageFirst Latitude Platinum Mastercard® Secured Credit Card
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
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Card Brand
MasterCard®
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Rewards Rate
1% Cash Back
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Annual Fee
$25 for the first year, after that $35 annually
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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
23.74% (V)
- Full Details
Highlights
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Building credit starts immediately when you open your account – just pay your bill on time to establish your credit.*
- Reports to all 3 major credit bureaus
- First Latitude is accepted wherever Mastercard® is accepted, online and worldwide!
- Pay 6-months-on-time and apply to get a second credit card in your wallet!
- *Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Select Mastercard® Secured Credit Card
No minimum credit history or credit score required!
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Card Brand
MasterCard®
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Rewards Rate
1% Cash Back
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Annual Fee
$39
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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
18.49% (V)
- Full Details
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!
First Progress Platinum Elite Mastercard® Secured Credit Card
No Credit History or Minimum Credit Score Required for Approval
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
$29
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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
24.49% (V)
- Full Details
Highlights
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Western Union® Netspend® Prepaid Mastercard®
Western Union® transfers, shop online or pay bills
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
Up-to $9.95 monthly*
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
n/a
- Full Details
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.
Netspend® Prepaid Mastercard®, now a WWEpartner®
No overdraft fees on Card purchases
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
Variable Monthly Fee
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
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.
OpenSky® Secured Visa® Credit Card
No credit check to apply and find out instantly if you are approved
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$35
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Credit Recommended
Poor
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Regular Purchase APR
21.89% (variable)
- Full Details
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
Group 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
Freedom Gold Card
No Credit Check
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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 credit to Fair credit
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Regular Purchase APR
0% APR
- Full Details
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
Unique Platinum
Guaranteed $1000 Credit Line! Get the things you want today!*
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Card Brand
Other
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Rewards Rate
n/a
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Annual Fee
$19.95
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
$0
- Full Details
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!
Merit 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 credit to Fair credit
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Regular Purchase APR
0% APR
- Full Details
Highlights
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- No Employment or Credit Check