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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Crypto.com Visa Card

Crypto.com Visa Card
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Visa
Best Benefits
  • Earn rewards paid in CRO token
  • Earn rewards towards rebates with selected merchants
  • Industry events access
  • Five card tiers with increasing rewards per tier
  • Priority customer service
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
Credit Card Deals

American Savings Bank Secured Visa Card

American Savings Bank Secured Visa Card
  • Regular Purchase APR 23.99% variable based on the Prime Rate
  • Balance Transfer APR 23.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Repair credit with on-time payments and responsible use
  • Potential for a credit line increase with no additional deposit after 7 months
  • Chance to get your security deposit returned after as little as 11 months
Rates & Fees
  • Regular Purchase APR: 23.99% variable based on the Prime Rate
  • Balance Transfer APR: 23.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: $300
Credit Card Deals

GO2bank Secured Visa Credit Card

GO2bank Secured Visa Credit Card
  • Regular Purchase APR 22.99%
  • Cash Advance APR 26.99%
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No credit check to apply
  • Fixed-rate APR on purchases
Rates & Fees
  • Regular Purchase APR: 22.99%
  • Cash Advance APR: 26.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: $100
Credit Card Deals

PayPal Prepaid Mastercard®

PayPal Prepaid Mastercard®
  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Add money to your card via direct deposit or at any of the 130,000+ NetSpend Reload Network locations nationwide
  • Refer-A-Friend program allows you and the person you refer to both earn a $20 credit
  • Stay on top of your account and your money with the PayPal Prepaid mobile app
  • Receive special offers and Payback Rewards when you shop at qualifying stores
Rates & Fees
  • Foreign Transaction Fee: 2.5% of the transaction amount in U.S. dollars
Credit Card Deals

Jasper Mastercard®

Jasper Mastercard®
  • Regular Purchase APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair , Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Earn 1% cash back automatically anywhere you shop
  • A credit history is not required to apply
  • Get up to a $5,000 credit limit
  • Unique autopay settings, push notifications, and utilization alerts help manage your account
Rates & Fees
  • Regular Purchase APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $27
  • Return Payment Penalty Fee: Up to $27
Credit Card Deals

SDCCU Share Secured Visa Classic

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 the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: See terms
Credit Card Deals

BrightStar Credit Union Visa Platinum Secured

BrightStar Credit Union Visa Platinum Secured
  • Regular Purchase APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.99% 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: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 2.99% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1 ATM Cash Advance Fee
  • Foreign Transaction Fee: up to 1% 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 Card Deals

PEFCU VISA Secured Card

PEFCU VISA Secured Card
  • Regular Purchase APR 10.90%
  • Balance Transfer APR 10.90%
  • Cash Advance APR 10.90%
  • 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
Rates & Fees
  • Regular Purchase APR: 10.90%
  • Balance Transfer APR: 10.90%
  • Cash Advance APR: 10.90%
  • Cash Advance Transaction Fee: See terms
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: See terms
  • Minimum Deposit Required: See terms
Credit Card Deals

USF Secured Visa®

USF Secured Visa®
  • Regular Purchase APR 9.24% variable based on the Prime Rate
  • Balance Transfer APR 9.24% variable based on the Prime Rate
  • Cash Advance APR 9.24% 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: 9.24% variable based on the Prime Rate
  • Balance Transfer APR: 9.24% variable based on the Prime Rate
  • Cash Advance APR: 9.24% 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 $30
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $500
Credit Card Deals

SBI Visa® Secured Card

SBI Visa® Secured Card
  • Regular Purchase APR 20.99% variable based on the Prime Rate
  • Balance Transfer APR 20.99% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee $35
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Receive up to a $5,000 credit limit
  • Establish a positive credit history with on-time payments
  • Minimum deposits starting from $300
  • Fixed-rate APR
Rates & Fees
  • Regular Purchase APR: 20.99% variable based on the Prime Rate
  • Balance Transfer APR: 20.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% 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: $35
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • Minimum Deposit Required: $300
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.