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.

☆   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 Jul 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

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

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
  • Card Brand

    Visa®

  • Rewards Rate

    See Website for Details

  • Annual Fee

    $0.00

  • Credit Recommended

    Limited to Good

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

Highlights

  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Card Details Page

Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

  • Card Brand

    MasterCard®

  • Rewards Rate

    See Terms

  • Annual Fee

    Starting at just $6/month for the annual plan

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    0.00%

  • Full Details

    Card Page

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
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

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Fair/Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

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
Card Details Page

Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    n/a

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.
Card Details Page

Arro Card

All credit types accepted

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $3/month; $1/month for the 1st year

  • Credit Recommended

    All Credit Types Accepted

  • Regular Purchase APR

    16% Variable

  • Full Details

    Card Page

Highlights

  • All credit types accepted.
  • Arro’s soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
Card Details Page

MAGNUM – Credit Builder Account

No credit history needed; no hard check required

  • Card Brand

    Other

  • Rewards Rate

    See Terms

  • Annual Fee

    n/a

  • Credit Recommended

    All Credit Types Considered

  • Regular Purchase APR

    n/a

  • Full Details

    Card Page

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 just $30/mo
  • 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 Page

First Latitude Select Mastercard® Secured Credit Card

Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!

  • Card Brand

    MasterCard®

  • Rewards Rate

    1% Cash Back on payments

  • Annual Fee

    $39.00

  • Credit Recommended

    Poor/Limited/No Credit

  • Regular Purchase APR

    19.24% (V)

  • Full Details

    Card Page

Highlights

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!¹
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
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

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

Merrick Bank Secured Credit Card

Get your FICO® Credit Score for free each month.

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

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

  • Credit Recommended

    See website for Details*

  • Regular Purchase APR

    22.70% Variable

  • Full Details

    Card Page

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.
Card Details Page

View All Other Cards

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Excellent Credit

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Good Credit

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Fair Credit

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Poor Credit

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Bad Credit

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Limited Credit

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No Credit