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. 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

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Greenlight Prepaid Mastercard

Greenlight Prepaid Mastercard
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Create in-app chore lists and attribute them to perks
  • Personalize your kids' debit cards with a custom picture
  • Set weekly or monthly spending limits
  • Get real-time notifications any time the card is used
  • Add funds instantly anytime from anywhere
Rates & Fees
  • Foreign Transaction Fee: See Rates
Credit Card Deals

Surge Secured Mastercard®

Surge Secured Mastercard®
  • Regular Purchase APR 19.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee $69
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Rates & Fees
  • Regular Purchase APR: 19.99% variable based on the Prime Rate
  • Cash Advance APR: 19.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5.00 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: See Terms
  • Annual Fee: $69
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: $300
Credit Card Deals

PCB Secured Visa®

PCB Secured Visa®
  • Regular Purchase APR See Issuer Website
  • Cash Advance APR See Issuer Website
  • Annual Fee See Issuer Website
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits)
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month
  • 24/7 online account center
  • A minimum collateral deposit of $200 is required to open this account
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc
Rates & Fees
  • Regular Purchase APR: See Issuer Website
  • Cash Advance APR: See Issuer Website
  • Cash Advance Transaction Fee: See Issuer Website
  • Annual Fee: See Issuer Website
  • Foreign Transaction Fee: See Issuer Website
  • Late Payment Penalty Fee: See Issuer Website
  • Return Payment Penalty Fee: See Issuer Website
  • Over Limit Penalty Fee: See Issuer Website
  • Minimum Deposit Required: $200
Credit Card Deals

Unique Platinum Card

Unique Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
Rates & Fees
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $30

Freedom Gold Card

Freedom Gold Card
  • Regular Purchase APR 0%*
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • $750 Unsecured Credit Line
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast Online Application
  • Reports to a Major Credit Bureau
  • Bad Credit - OK
  • *See site for details
Rates & Fees
  • Regular Purchase APR: 0%*

Oakstone Gold Secured Mastercard®

Oakstone Gold Secured Mastercard®
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Credit lines available from $200 to $5,000. Low 13.99% variable interest rate on purchases - with no penalty rate
  • No minimum credit score requirements. We invite all credit types to apply. No processing or application fees
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See website for additional Oakstone Gold Secured Mastercard® details
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined
Rates & Fees
  • Regular Purchase APR: 13.99% variable based on the Prime Rate
  • Cash Advance APR: 19.99% 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 $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
Credit Card Deals

Oakstone Platinum Secured Mastercard®

Oakstone Platinum Secured Mastercard®
  • Regular Purchase APR 9.99% variable based on the Prime Rate
  • Cash Advance APR 18.99% variable based on the Prime Rate
  • Annual Fee $49
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases - with no penalty rate
  • No minimum credit score requirements! We invite all credit types to apply. No processing or application fees
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See website for additional Oakstone Platinum Secured Mastercard® details
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined
Rates & Fees
  • Regular Purchase APR: 9.99% variable based on the Prime Rate
  • Cash Advance APR: 18.99% 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 $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
Credit Card Deals

Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card

Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
  • Regular Purchase APR 12.99% variable based on the Prime Rate
  • Cash Advance APR 18.99% variable based on the Prime Rate
  • Annual Fee $49
  • Credit Needed Poor , No Credit Required
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Full-Feature Platinum Mastercard* Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels: Anywhere Credit Cards Are Accepted!
  • 24/7 Online Access to Your Account
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.99% variable based on the Prime Rate
  • Cash Advance APR: 18.99% 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 $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
Credit Card Deals

First Progress Platinum Prestige Mastercard® Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card
  • Regular Purchase APR 9.99% variable based on the Prime Rate
  • Cash Advance APR 18.99% variable based on the Prime Rate
  • Annual Fee $49
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined
  • Quick and Complete Online Application; No credit inquiry required!
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Rates & Fees
  • Regular Purchase APR: 9.99% variable based on the Prime Rate
  • Cash Advance APR: 18.99% 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
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
Credit Card Deals

First Progress Platinum Elite Mastercard® Secured Credit Card

First Progress Platinum Elite Mastercard® Secured Credit Card
  • Regular Purchase APR 19.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $29
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined
  • Quick and Complete Online Application; No credit inquiry required!
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Rates & Fees
  • Regular Purchase APR: 19.99% variable based on the Prime Rate
  • Cash Advance APR: 24.99% 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
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200
Credit Card Deals

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:

Best for: New to Credit

Merrick Bank Double Your Line™ Secured Visa®

Merrick Bank Double Your Line™ Secured Visa®
Double Your Credit Line in 7 Months
  • Double your $200 credit line with on-time payments
  • Monthly reporting to the three major credit bureaus
  • 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.

Best for: Rewards

Surge Secured Mastercard®

surge secured mastercard
Earn Rewards While Building Credit!
  • Earn 1% Cash back Rewards on every purchase
  • Monthly reporting to the three major credit bureaus
  • 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.

Best for: Low Interest Rate

Assent Platinum 0% Intro Rate Mastercard®

assent_platinum_mastercard
Purchase APR of 0% for 6 Months!
  • Full-Feature Platinum Mastercard*
  • Monthly Reporting to all 3 Major Credit Bureaus
  • 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.

Best for: Unsecured Credit

Merit Platinum Card

merit platinum horizon
Bad Credit, No Credit? No Problem!
  • Unsecured, $750 Line of Credit
  • Reports to Major Credit Bureau
  • 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.