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First Progress Platinum Select Mastercard® Secured Credit Card
- Regular Purchase APR 14.74% variable based on the Prime Rate
- Cash Advance APR 20.74% variable based on the Prime Rate
- Annual Fee $39
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Mastercard
- 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
- Regular Purchase APR: 14.74% variable based on the Prime Rate
- Cash Advance APR: 20.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $39
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $200










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!First Progress Platinum Elite Mastercard® Secured Credit Card
- Regular Purchase APR 20.74% variable based on the Prime Rate
- Cash Advance APR 25.74% variable based on the Prime Rate
- Annual Fee $29
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Mastercard
- 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
- Regular Purchase APR: 20.74% variable based on the Prime Rate
- Cash Advance APR: 25.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $29
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $200










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!First Progress Platinum Prestige Mastercard® Secured Credit Card
- Regular Purchase APR 10.74% variable based on the Prime Rate
- Cash Advance APR 19.74% variable based on the Prime Rate
- Annual Fee $49
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Mastercard
- 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.
- Regular Purchase APR: 10.74% variable based on the Prime Rate
- Cash Advance APR: 19.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $49
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $200










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Albert Mastercard®
- Annual Fee See Terms
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- Earn $150 when you receive a qualifying direct deposit and use your Albert debit card
- Get your paycheck up to 2 days early with direct deposit with Albert Cash
- Earn cash back rewards when you buy groceries, gas, food and more with your Albert debit card
- No hidden fees ($0 minimum balance requirements, no maintenance fees and no instant fees)
- Genius subscribers can withdraw cash fee-free at 55,000+ ATMs
- Albert Cash and Albert Savings accounts are FDIC-Insured
- Annual Fee: See Terms
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Walmart MoneyCard®
- Annual Fee None. $5.94 monthly fee
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- 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.*
- Get $20 this season when you make two new direct deposits of $500+ by 6/30/22.*
- 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.
- Annual Fee: None. $5.94 monthly fee
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Minimum Deposit Required: See Terms










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Extra Mastercard
- Annual Fee See Terms
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- Every purchase builds your credit. At the end of every month, purchases made with the Extra Debit Card are tallied up and reported to credit bureaus
- 0% interest
- Connects with your bank account
- Earn rewards points everywhere. Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills
- Plans start at $7/month (based on annual subscription)
- Annual Fee: See Terms
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Minimum Deposit Required: See Terms










Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!GO2bank Visa® Debit Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Overdraft protection up to $200 with opt-in and eligible direct deposit
- Get your pay up to 2 days early with direct deposit
- Free nationwide ATM network Refer a friend, and you both get $50
- *See additional terms and conditions at GO2bank.com
- Over Limit Penalty Fee: No monthly fees with eligible direct deposit, otherwise $5 per month









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Join today!Self Visa® Credit Card
- Regular Purchase APR 23.99%
- Annual Fee $25
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network Visa
- Get the savings plan that helps build credit today
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options
- No credit score is needed to get started
- Your money is secured and protected in a bank account
- Regular Purchase APR: 23.99%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15









Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Divvy Credit Builder
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Visa
- Easy online application – can be completed in a few easy steps
- Earn Divvy Rewards and control your earnings based on your payoff schedule
- Track spend in real time from anywhere
- Issue secure virtual cards that are tied to your account and protected against fraud and overspending
- Save hours of accounting work with Divvy's card-plus-software integrations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms









Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!M1 Visa® Debit Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- No annual fee
- Seamlessly integrates with M1's Invest and Borrow services
- Use the M1 Spend debit card anywhere Visa® is accepted
- Upgrade to M1 Plus for even more benefits and tools
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars









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Join today!You've viewed 10 of 118 credit cards
Does No Credit History Mean You’ve Never Had Any Credit?
Just because you don’t have a credit history does not mean you’ve never had credit. As confusing as it sounds, you can have experience with credit in the past, yet still have no credit history to FICO or VantageScore.
No credit means you have no recent credit history. Those without a past credit history (within the last seven to ten years, will find themselves lumped into the same “no credit” category as those who are entirely new to credit. So even if you have borrowed money in the past, you may have no score.
FICO, VantageScore and Credit History
Different credit scoring models have a different definition of no credit history.
FICO requires the following to establish a credit history:
- One tradeline reported within the previous six months. A tradeline is also known as a credit account.
- A tradeline at least six months old.
- Proof that the account holder is alive.
VantageScore, on the other hand, does not have as strict requirements for establishing a credit history. The VantageScore model only needs one month of credit activity to generate a credit score. This makes the scoring system popular with those who want to judge the recent credit activity of an applicant.
Regardless, if you don’t satisfy the requirements above, you might not have a credit score.
Why Credit Matters
There are approximately 45 million Americans with no credit history, according to recent statistics. With so many lacking a credit score, you might wonder why your credit score matters?
Credit influences many aspects of our daily financial and personal lives. People with excellent credit scores enjoy greater access to credit, higher credit limits, and lower interest rates. That’s because they have proven their financial responsibility and trustworthiness to lenders.
Those with poor credit, however, will struggle. Bad credit scores can impact every aspect of your life.
A poor or bad credit score can cause the following difficulties in life:
- Trouble Renting: With bad credit, you can struggle to find an apartment. Because landlords and rental agencies look at an applicant’s credit report, a bad score can indicate you are a potential risk for missing rent payments. This can lead to rejections when applying for accommodation.
- Loss of Job Opportunities: Employers can also access your credit report. While they won’t see your score, they can see past remarks on your credit report. These can make you a risk for employment, as they might deem you untrustworthy.
- Poor Credit Choices: People with bad credit struggle to find good credit products at reasonable rates.
Given the difficulties that those with poor credit experience, imagine how much more difficult it is with no credit.
Without a credit history, you will struggle to find many credit card issuers or lenders willing to take a chance on you. You likely won’t qualify for a mortgage, a personal loan, or possibly even a car loan. That’s why it is so critical to take steps to build your credit score quickly, so you can enjoy many of the benefits good credit scores offer.
How to Build Credit History
Building a credit score requires time and patience. There are, however, specific steps you can take right away to improve your score in as little as a few months.
Getting Started with Credit Repair
First, you need to establish a credit history. One option is to become an authorized user. The easiest way to build credit, however, is by getting a credit card. Getting a secured card is the most straightforward route and can make the approval process much easier. That’s because secured credit cards require a security deposit when applying for a credit card.
This deposit required, which usually starts as low as $200 and runs as high as $5,000, also acts as the credit limit. Examples of popular secured cards include the Discover It Secured Card, the Secured Mastercard from Capital One, and the Citi Secured Mastercard. These cards also have no annual fee.
Once you have a secured card, you can use that card to make small purchases. Then, once you receive your statement, you pay your bill in full. A few months of this practice can provide you a decent score (if new to credit) and increase a damaged score by several points.
Building Credit Takes Time
While short term improvement is possible, establishing a good credit score can take months – or even years. That’s because both VantageScore and FICO place significant weight on payment history with their respective scoring models.
FICO scoring places significant weight on payment history, as this is the largest sign of a person’s ability to repay any new credit. Nearly as significant is the amount of available credit that individual is currently utilization, or how much of the available credit line they use. VantageScore, on the other hand, emphasizes a variety of credit, though it also prioritizes payment history.
This means that it will take time to build a history of on-time payments. With patience, however, it is a very achievable goal.
Failing to keep up with payments, however, can cause serious harm to your score. With a young credit history, one missed payment can destroy your credit score. Even worse, late or missed payments stay on a credit report for seven years, meaning the harm carries on for some time.
The Best Credit Cards for No Credit History
Just because you have no credit history doesn’t mean you can’t build one. No credit score simply means you have a blank canvas on which to begin (or return) to your credit journey. If you find yourself wondering “I have no credit score, how do I get a credit card?” don’t worry – there are still options available.
The credit card options for no credit are limited, but that doesn’t mean there aren’t great offers available. Here are some of our top credit cards for no credit score picks for this year:
Merrick Bank Double Your Line® Secured Credit Card

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Double your $200 credit line with on-time payments
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Monthly reporting to the three major credit bureaus
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Fraud coverage if your card is lost or stolen
☆ Quick Application
☆ Your Deposit Is Your Credit Line
☆ Build Credit with Responsible Use
☆ Get Your FICO® Score Free Each Month
The Merrick Bank Double Your Line® Secured Credit Card is a useful tool for boosting your credit score thanks to its Double Your Line feature. The card requires an initial security deposit of $200. Once cardholders make each of their first seven months, they will automatically have their credit line raised to $400 – without the need to add more funds through additional security deposits. This credit line increase is the perfect motivational tool on your credit journey – and can help you take the first step towards a brighter future with unsecured credit in as little as seven months.
Surge Secured Mastercard®

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Earn 1% Cash back Rewards on every purchase
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Monthly reporting to the three major credit bureaus
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Zero Fraud Liability
☆ Fast Online Application
☆ Your Deposit Is Your Credit Line
☆ Build Credit & Earn Rewards
☆ Free access to your VantageScore
The Surge Secured Mastercard® is a secured credit card that offers rewards – and the ability to build credit – in one package. The card differs from most secured cards on the market in that it earns 1% cash back rewards on every purchase and can help users build their credit score at most places in the United States where Mastercard is accepted.
Merit Platinum Card

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Unsecured, $750 Line of Credit
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Reports to Major Credit Bureau
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Use for Purchases at the Horizon Outlet
☆ Quick Application
☆ No Employment or Credit Check
☆ Build Credit w/ On-Time Payments
The Merit Platinum Card is a basic store card offer from Horizon Financial Services. The Merit Card perfect for consumers seeking to establish or rebuild their credit score. This card features a no interest on purchases, a credit limit of $750, and no credit check.