Credit Cards For No Credit History
Listed below are several credit cards for people with no credit history. All of these credit card offers will help you build a good credit history if used responsibly. Some are unsecured, but most are secured or prepaid offers that report to the three major credit bureaus.
- No issuance fee online
- No credit check or bank account required
- Use everywhere Visa debit is accepted
- $10 bonus with qualifying Direct Deposit (for a limited time only)
- Annual Fee: N/A
- Credit Needed:
| Introductory APR |
Balance Transfer |
Regular APR |
| N/A |
N/A |
N/A |
- $0 Activation Online - with no credit check
- Access over 18,000 MoneyPass® ATM's
- No Monthly fee for any month with at least 30 purchases
- No Transaction fees on US purchases
- No Overdraft fees
- No Minimum balance required
- Annual Fee: N/A
- Credit Needed:
| Introductory APR |
Balance Transfer |
Regular APR |
| N/A |
N/A |
N/A |
- Get the credit you need, with MasterCard® benefits
- Enjoy $0 Fraud Liability protection
- Stay on top of your account with free text alerts
- Annual Fee: $0 for the first year; $19 after that
- Credit Needed: Fair
| Introductory APR |
Balance Transfer |
Regular APR |
| N/A |
24.9% Variable* |
24.9% Variable* |
- 100% Guaranteed Approval* - No Credit Checks
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Online Bill Payment & Check Writing
- No Overdraft Fees or Balance Minimums
- Annual Fee: N/A
- Credit Needed:
| Introductory APR |
Balance Transfer |
Regular APR |
| N/A |
N/A |
N/A |
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
- Your refundable security deposit can get you a line up to $3000
- Annual Fee: $29
- Credit Needed: Bad
| Introductory APR |
Balance Transfer |
Regular APR |
| N/A |
22.9% Variable* |
22.9% Variable* |
- A card designed to help those new to the U.S. establish credit and earn cash back
- Build credit with automatic reporting to the three major credit bureaus
- Earn 2% cash back on travel purchases
- Earn 1% cash back on all other purchases
- Annual Fee: $0
- Credit Needed: Fair
| Introductory APR |
Balance Transfer |
Regular APR |
| N/A |
24.9% Variable* No Transfer Fee |
24.9% Variable* |
* Read Terms & Conditions on any credit card offer before you apply.
Once you've begun the process of building your credit history, it will be important to know how your credit score is improving over time. You'll need to get yearly copies of your credit report. You can do this completely FREE - find out How To Get A Free Credit Report.
Updated - Monday, February 13th, 2012
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