Credit Cards for Any Credit History
Getting a credit card can be a daunting task, especially if your credit score is less than ideal or if you are just starting to build your credit. However, we have made it easier for you to find issuers who are willing to work with you. Each of these credit cards has been handpicked based on their secure application process, transparent bank rates, and clear credit terms. The application process is quick and simple, so let’s explore your options below.
Current Build Visa® Credit Card
Credit for everyone – Regardless of your credit history!
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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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Monthly Fee
N/A
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Credit Recommended
No to Good Credit
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Regular Purchase APR
0.00%
- Full Details
Highlights
Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.
- Credit for everyone – Regardless of your credit history!
- Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
- No minimum security deposit required.
- Enjoy instant gas hold removals.
- Reports monthly to all three major credit bureaus.
- View Product Disclosures
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Card Brand
MasterCard®
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Rewards Rate
1% cashback on gas and groceries
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Annual Fee
$60* (*discounted in Year 1 for starting credit lines under $300)
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Monthly Fee
N/A
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Credit Recommended
All Credit Types Accepted
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Regular Purchase APR
24.99%
- Full Details
Highlights
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Indigo® Mastercard® for Less than Perfect Credit
Higher limit than before, still no security deposit required!
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
$175 the first year; $49 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Credit Recommended
Bad/Poor/Fair
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Regular Purchase APR
35.9%
- Full Details
- Rates & Fees
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Chime Card™
No Credit Check to Apply6
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Card Brand
Visa®
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Rewards Rate
(1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
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Annual Fee
N/A
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Monthly Fee
N/A
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Credit Recommended
All Credit Welcome
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Regular Purchase APR
N/A
- Full Details
Highlights
The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.
To apply for a Chime Card™, Chime® Checking Account is required to apply.
Chime Card™ Key Highlights:
- Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
- Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
- Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
- Credit Building Made Simple – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details5.
- No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
- Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.
Get Started today and take the first step toward building your credit.
Card Details Pagethe secured Self Visa® Credit Card
Eligibility requirements apply. Card issued after requirements are met.
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$0 ($25 Annual Fee after the first year.)^
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Monthly Fee
N/A
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Credit Recommended
Any Credit Rating
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Regular Purchase APR
27.49% (Variable)
- Full Details
Highlights
Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)
No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.
Build Your Credit
Reports payment history to all three major credit bureaus.
Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.
Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.
Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.
Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.
Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.
The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
Card Details PagePREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
See Provider Website
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Monthly Fee
See Provider Website
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Credit Recommended
Fair/Poor
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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.
Imagine® Visa® Credit Card
Up to $1,000 credit limit subject to credit approval
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Card Brand
Visa®
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Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
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Annual Fee
As low as $99
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Monthly Fee
N/A
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Credit Recommended
Fair/Poor
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
*See Program Terms for important information about the cash back rewards program.
**Zero liability subject to Visa’s Zero Liability Policy.
Card Details PageGreenFi
Up to 6% Cash Back¹ - Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
0.00
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Monthly Fee
n/a
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Credit Recommended
Any Credit History
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Regular Purchase APR
0.00%
- Full Details
Highlights
GreenFi helps you save money, earn cash back¹, and plant trees² – all while keeping your money out of fossil fuels. No mandatory fees.³ No greenwashing. Just a better way to bank.
Up to 6% Cash Back¹
Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.
Earn up to 3.50% APY⁴
Put your money to work with our high-yield savings account. Terms and conditions apply.
Get Paid Early⁵
Your paychecks arrive up to 2 days early when you set up Direct Deposit.
55,000 Fee-Free ATMs
Unlimited withdrawals at over 55,000 Allpoint ATMs worldwide, with cash deposits available at select locations (other account fees apply).
Feature-Packed Mobile App
Manage your finances and measure your environmental impact on the go.
Live Customer Support
Our Support Team is here to help you make the most of your account.
Review Full Terms and Conditions here
Card Details PageMilestone® Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
See Terms
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Monthly Fee
See Terms
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Credit Recommended
Fair/Good
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Regular Purchase APR
See Terms
- Full Details
- Rates & Fees
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
Firstcard® Secured Credit Builder Card
No credit check or hard inquiry
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Card Brand
MasterCard®
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Rewards Rate
Earn up to 15% cashback at selected merchants
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Annual Fee
0.00
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Monthly Fee
N/A
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Credit Recommended
No Credit, Limited Credit
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Regular Purchase APR
0%
- Full Details
Highlights
Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.
BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
- No credit check or hard inquiry
- No overspending
- No interest, overdraft fee, late payment fee, or account minimum requirement
- We can approve your credit card application regardless of your credit history¹
- We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
- Applying for Firstcard does not impact your credit score






