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Extra Mastercard
- Annual Fee See Terms
- Credit Needed 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
GO2bank Visa® Debit Card
- Annual Fee None
- Credit Needed 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
Self Visa® Credit Card
- Regular Purchase APR 23.99%
- Annual Fee $25
- Credit Needed 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
Divvy Credit Builder
- Annual Fee None
- Credit Needed 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
M1 Visa® Debit Card
- Annual Fee None
- Credit Needed 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
Merit Platinum Card
- Regular Purchase APR 0%
- Annual Fee None
- Credit Needed Fair , Poor , No Credit Required
- Processing Network N/A
- Bad Credit, No Credit? No Problem
- Reports to Major Credit Bureau
- Fast and Easy Application
- No Employment or Credit Check
- Regular Purchase APR: 0%
Current Debit Visa Card
- Annual Fee See Terms
- Credit Needed No Credit Required
- Processing Network Visa
- No hidden fees
- Earn up to 15X points at over 14,000 participating merchants in the U.S.
- Get paid up to 2 days early when you sign up for direct deposit
- Free instant money transfers, spending notifications, spending limits, and more
- Annual Fee: See Terms
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
BlockCard Prepaid Visa® Card
- Annual Fee $60
- Credit Needed No Credit Required
- Processing Network Visa
- Earn up to 6.38% cash back in TERN crypto
- Support for 12 cryptocurrencies, including Bitcoin, Litecoin, Ethereum, and more
- No monthly fee after spending at least $750 each month
- Fully FDIC-insured bank account
- Annual Fee: $60
- Foreign Transaction Fee: See Terms
Fold Visa® Prepaid Card
- Annual Fee Up to $150
- Credit Needed No Credit Required
- Processing Network Visa
- Get access to Fold+ member pricing on Amazon gift cards
- Each purchase activates a spin on the Spin Wheel Sweepstakes
- Enjoy boosted merchant offers
- Get up to 100% back in rewards after your purchases
- Annual Fee: Up to $150
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
Aspiration Debit Card
- Annual Fee None ($7.99/month for the Aspiration Plus)
- Credit Needed No Credit Required
- Processing Network Mastercard
- Get a sleek debit card made from recycled plastic
- Earn up to 1% APY interest on your Save Account
- Get one out-of-network ATM fee reimbursed per month
- Deposits do not fund fossil fuel exploration or production
- Option to plant a tree with every roundup
- Annual Fee: None ($7.99/month for the Aspiration Plus)
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars when using foreign ATMs
- Minimum Deposit Required: $10
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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 Visa®
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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 Visa® 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.
Assent Platinum 0% Intro Rate Mastercard®
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Full-Feature Platinum Mastercard*
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Monthly Reporting to all 3 Major Credit Bureaus
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24/7 Online Access to Your Account
☆ Quick Application
☆ $200 Minimum Deposit
☆ Build Credit w/ 0% Intro APR
☆ Use Anywhere Mastercard's Accepted!
The Assent Platinum Mastercard IS one of the only secured credit cards that feature 0% intro APR on purchases. New accounts enjoy 6 months of 0% introductory APR on purchases. For those planning on making a purchase they want to pay down over time, the $49 annual fee is more than worth the cost.
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.