Credit Cards For No Credit History

Listed below are several credit cards for people with no credit history. All of these secured and unsecured credit card offers will help you build a good credit history if used responsibly.

  • Get the credit you need with no processing fees or application fees
  • 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
  • You may qualify for credit line increases with no further security deposit required
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
N/A N/A 22.9% Variable* $29* Poor / Bad / No Credit
  • 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
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
N/A N/A 24.9% Variable* $0* Fair
  • Get the credit you need, with MasterCard benefits
  • $0 intro annual fee for the first year; $19 after that
  • Image Card - personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with free text message alerts
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
N/A N/A 24.9% Variable* $0 for the first year; $19 after that* Fair

* Read Terms & Conditions on any credit card offer before you apply.


Prepaid Debit Cards

Another option for individuals with no credit history is using prepaid debit cards. Although they are not actual credit cards, they can be used at stores that accept Debit Visa or Debit MasterCard. They also report card use to the three major credit bureaus. This allows you to build up a credit history in a very safe way.

  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Free Unlimited Purchase Transactions
  • Free Online Bill Payment & Check Writing
  • No Overdraft Fees or Balance Minimums
  • 100% Guaranteed Approval* - No Credit Checks
  • Choose Your Card Color - Blue or Pink
Activation Monthly Fee Direct Deposit Cash Load Fee Credit Required
$9.95* Up to $3.95* Free* Free; each retailer charges it's own fee* No Credit Check*
  • No Maintenance Fee - when you load at least $500 in a transaction cycle*
  • Free Activation
  • Use Everywhere Debit MasterCard Is Accepted
  • Zero Liability - if card is lost or stolen
  • No Credit Check - Instant Approval Process
Activation Monthly Fee Direct Deposit Cash Load Fee Credit Required
Free* Up to $4.95* Free* Set by retailer (generally $4.50 or less)* No Credit Check*
  • FREE MasterCard Prepaid Card Signup & FREE Shipping
  • FREE Direct Deposit + Get $20 Signup Bonus
  • Earn High Savings Interest Rate!
  • No fee Domestic Purchase/Signature Transactions
  • Send and Receive Money Securely With Any Mobile Phone
  • FREE Mango iPhone App (Download from iTunes Store)
  • No Hidden Fees / No Overdraft Fees
  • No Credit Check/ No Bank Account Required
Activation Monthly Fee Direct Deposit Cash Load Fee Credit Required
Free* Up to $5.00* Free* Varies by retailer, up to $4.95* No Credit Check*
  • 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)
  • No overdraft fees
Activation Monthly Fee Direct Deposit Cash Load Fee Credit Required
Free* $3.00* Free* $3.00 at Walmart stores* No Credit Check*

* Read Terms & Conditions on any prepaid debit 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 - Tueday, December 4th, 2012
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