Advertiser Disclosure Editorial Disclosure

Explore the Best Credit Cards for No Credit

Finding the best credit cards for no credit may seem like a hopeless task, but BestCards.com has you covered. There are plenty of credit cards for no credit that help people build up their credit scores. Read through reviews of credit cards for people with no credit and find the perfect card to suit your needs. Learn more about credit scores.

Horizon Gold Card

No Credit Required

Horizon Gold Card
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network N/A
Best Benefits
  • 0% purchase APR
  • No credit check required
  • Fast online application
  • Includes access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits
Rates & Fees
  • Late Payment Penalty Fee: $20
  • Return Payment Penalty Fee: $25

Add cards to start comparing.

  

Indigo® Platinum Mastercard®

Choose Your Own Card Design

Indigo® Platinum Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $0 to $99 depending on the card issued
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Great for demonstrating responsible use of credit
  • Short and easy-to-complete pre-qualification form
  • 24/7 mobile account access
  • Choose your card design free of charge
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction.
  • Penalty APR: 29.9%
  • Annual Fee: $0 to $99 depending on the card issued
  • Foreign Transaction Fee: 1% of each transaction
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

Add cards to start comparing.

  

Milestone® Gold Mastercard®

No Credit Score Impact When You Apply

Milestone® Gold Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Choose your custom card design
  • Free 24/7 online account access
  • Quick pre-qualification with no impact to credit score
  • Mastercard® Gold Benefits
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
  • Penalty APR: 29.9%
  • Annual Fee: $35 to $99
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

Add cards to start comparing.

  

SDCCU Share Secured Visa Classic

Enjoy a single low APR for all transactions

SDCCU Share Secured Visa Classic
  • Regular Purchase APR 15%
  • Balance Transfer APR 15%
  • Cash Advance APR 15%
  • Annual Fee $20
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • One low fixed APR for all transactions
  • Build or repair your credit
  • Security Deposit ensures you won't spiral into debt
  • Use your card just like a regular credit card
Rates & Fees
  • Regular Purchase APR: 15%
  • Balance Transfer APR: 15%
  • Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 15%
  • Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
  • Annual Fee: $20
  • Foreign Transaction Fee: 2% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: $300
  • Credit Needed: $300

Add cards to start comparing.

  

BrightStar Credit Union Visa Platinum Secured

Enjoy Reduced Intro APR for 6 Months

BrightStar Credit Union Visa Platinum Secured
  • Regular Purchase APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Same APRs as a regular credit card
  • Reduced introductory balance transfer APR for 6 months on balance transfers
  • Cash advance APR equal to regular purchase APR
Rates & Fees
  • Regular Purchase APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 3.99% for 6 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1.00
  • Foreign Transaction Fee: 0.80% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $550
  • Credit Needed: $550

Add cards to start comparing.

  

PEFCU VISA Secured Card

Rebuild Your Credit While Getting a Low APR

PEFCU VISA Secured Card
  • Regular Purchase APR 10.90% variable based on the Prime Rate
  • Balance Transfer APR 10.90% variable based on the Prime Rate
  • Cash Advance APR 10.90% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Build credit with financial responsibility
  • Enjoy Visa cardholder protections
  • Minimum deposit of $300
Rates & Fees
  • Regular Purchase APR: 10.90% variable based on the Prime Rate
  • Balance Transfer APR: 10.90% variable based on the Prime Rate
  • Cash Advance APR: 10.90% variable based on the Prime Rate
  • Foreign Transaction Fee: 1% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $300
  • Credit Needed: $300

Add cards to start comparing.

  

USF Secured Visa®

Minimum $300 Security Deposit

USF Secured Visa®
  • Regular Purchase APR 10.74% variable based on the Prime Rate
  • Balance Transfer APR 10.74% variable based on the Prime Rate
  • Cash Advance APR 10.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Digital-wallet compatible
  • No penalty APR
  • Travel and accident Insurance
  • Travel and emergency assistance
  • Auto rental insurance
Rates & Fees
  • Regular Purchase APR: 10.74% variable based on the Prime Rate
  • Balance Transfer APR: 10.74% variable based on the Prime Rate
  • Cash Advance APR: 10.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $30
  • Return Payment Penalty Fee: Up to $25

Add cards to start comparing.

  

Green Dot primor® Secured Visa Classic Card

Credit Limits From $200 To $5,000

Green Dot primor® Secured Visa Classic Card
  • Regular Purchase APR 13.99%
  • Cash Advance APR 18.99%
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No penalty rates
  • Reports to all three major credit bureaus
  • Earn interest on your security deposit
Rates & Fees
  • Regular Purchase APR: 13.99%
  • Cash Advance APR: 18.99%
  • Cash Advance Transaction Fee: Either $5 or 5% 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 $29
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
  • Credit Needed: $200

Add cards to start comparing.

  

Insight Visa Secured Credit Card

Build a Positive Credit History

Insight Visa Secured Credit Card
  • Regular Purchase APR 17.99% variable based on the Prime Rate
  • Balance Transfer APR 17.99% variable based on the Prime Rate
  • Cash Advance APR 17.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Rebuild your credit score or establish a positive credit history
  • Enjoy Visa protections
Rates & Fees
  • Regular Purchase APR: 17.99% variable based on the Prime Rate
  • Balance Transfer APR: 17.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 17.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25

Add cards to start comparing.

  

Merrick Bank Secured Visa Card

Build Your Credit & Take Control of Your Finances

Merrick Bank Secured Visa Card
  • Regular Purchase APR 17.45% variable based on the Prime Rate
  • Cash Advance APR 22.45% variable based on the Prime Rate
  • Annual Fee $36 for the first year. Billed $3 per month thereafter
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • 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
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts
Rates & Fees
  • Regular Purchase APR: 17.45% variable based on the Prime Rate
  • Cash Advance APR: 22.45% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $36 for the first year. Billed $3 per month thereafter
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Over Limit Penalty Fee: $0
  • Minimum Deposit Required: $200
  • Credit Needed: $200

Add cards to start comparing.