Best Credit Cards for No Credit

Super+

Credit Recommended:: 300-700

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Apply Now on issuer’s secure website.

Credit Recommended:: 300-700

Cost: $15/Month for Super+

Credit Monitoring: Yes

Credit Recommended: 300-700

Apply Now on issuer’s secure website.

Card Brand: Mastercard®

Highlights

Cash Advance up to $200 with no interest or credit check
Credit building suite with bureau reporting, monitoring, and credit report access
Super Card with 0% APR
Unlimited 1-10% Cashback
$15/month for Super+

See additional details for Super+

Arro Card

Credit Recommended:: All Credit Types Accepted

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Apply Now on issuer’s secure website.

Credit Recommended:: All Credit Types Accepted

Regular APR: 16% Variable

Credit Recommended: All Credit Types Accepted

Card Brand: Mastercard®

Apply Now on issuer’s secure website.

Monthly Fee: $3/month; $1/month for the 1st year

Late Payment Fee: $10

Return Payment Fee: None

Highlights

All credit types accepted.
Arro's soft credit pull does not impact your credit score.
Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
Opportunities to decrease your interest rate.
Use your Arro Card anywhere Mastercard is accepted.
Application takes as little as 5 minutes.

See additional details for Arro Card

Net First Platinum

Credit Recommended:: Damaged credit to Fair credit

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Apply Now on issuer’s secure website.

Credit Recommended:: Damaged credit to Fair credit

Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR: 0% APR

Monthly Fee: See website for Details*

Apply Now on issuer’s secure website.

Credit Recommended: Damaged credit to Fair credit

Highlights

No Employment or Credit Check
Bad Credit, No Credit - OK
Always 0.0% APR
Fast Online Applications

See additional details for Net First Platinum

*See Card for Details

Group One Platinum Card

Credit Recommended:: Damaged/Fair

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Apply Now on issuer’s secure website.

Credit Recommended:: Damaged/Fair

Credit Limit: $750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR: 0% APR

Monthly Fee: See website for Details*

Apply Now on issuer’s secure website.

Credit Recommended: Damaged/Fair

Highlights

No Employment or Credit Check
Bad Credit, No Credit? No Problem!
Fast and Easy Application

See additional details for Group One Platinum Card

Possible Finance Credit Card

Credit Recommended:: All Credit Types Considered

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Apply Now on issuer’s secure website.

Credit Recommended:: All Credit Types Considered

Regular APR: 0%

Credit Limit: $400

Monthly Fee: Credit limit of $400, $96 annually ($8 per month)

Apply Now on issuer’s secure website.

Card Brand: Mastercard

Credit Recommended: All Credit Types Considered

Checking Account Required: Yes

Highlights

Unlock a $400 credit limit instantly, upon approval^
Apply in minutes: no FICO check or deposit required
0% interest, forever
No late fees, ever
$8 monthly membership—no other costs or hidden fees
Pay Over Time in 4 installments^
Zero Liability fraud protection by Mastercard®
*Possible Card is issued by Coastal Community Bank, Member FDIC, pursuant to its license with Mastercard® International Incorporated. Terms are subject to eligibility. Possible Financial Inc., 2231 1st Ave., Suite B, Seattle, WA 98121, (844) 849-7207 ^Pay Over Time and instant access to virtual cards are available when enrolled in AutoPay. Terms apply.

See additional details for Possible Finance Credit Card

StellarFi Credit Builder Account

Credit Recommended:: Limited/No, Bad, Fair

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Apply Now on issuer’s secure website.

Credit Recommended:: Limited/No, Bad, Fair

Credit Check: No

Cost: Plans start at $4.99/mo.

Number of Bureaus: All three credit bureaus

Apply Now on issuer’s secure website.

Checking Account Required: Yes

Credit Recommended: Limited/No, Bad, Fair

Product Type: Credit-builder that reports all bill payments as credit directly to all major credit bureaus.

Highlights

Automatically build your credit score with StellarFi.
Pay your monthly household bills through StellarFi and get your payments reported to the three main credit bureaus.
Access to free financial and credit education.
Easy bill linking and monitoring/tracking.
Promotional pricing for new members.

First Digital Mastercard®

Credit Recommended:: Poor/Damaged/Fair

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Apply Now on First Digital secure website.

Credit Recommended:: Poor/Damaged/Fair

Regular APR: 35.99%*

Cash Advance APR: 35.99%*

Annual Fee: $75.00 1st year, $48.00 after*

Apply Now on First Digital secure website.

Late Payment Fee: Up to $41.00*

Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.

Credit Recommended: Poor/Damaged/Fair

Highlights

Earn 1% cash back rewards on payments made to your First Digital Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
*See Rates, Fees, Costs & Limitations for complete offer details
See Cash Back Rewards Programs Terms & Conditions for details

See additional details for First Digital Mastercard®

First Latitude Platinum Mastercard® Secured Credit Card

Credit Recommended:: Poor/Limited/No Credit

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First Latitude Platinum Mastercard® Secured Credit Card

Apply Now on issuer’s secure website.

Credit Recommended:: Poor/Limited/No Credit

Rewards Rate: 1% Cash Back on payments

Annual Fee: $25.00 for the first year, after that $35.00 annually*

Regular APR: 24.49% (V)

Apply Now on issuer’s secure website.

Cash Advance APR: 29.49% (V)

Credit Line: Minimum refundable deposit of $100.00 up to $2,000.00*

Credit Recommended: Poor/Limited/No Credit

Highlights

1% Cash Back Rewards on payments
Choose your own fully-refundable credit line - $100 to $2000 – based on your security deposit
Build your credit score.¹ Reports to all 3 credit bureaus
No minimum credit score required for approval!
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*See Important Disclosures for complete offer details

See additional details for First Latitude Platinum Mastercard® Secured Credit Card

Extra Card

Credit Recommended:: All Credit Types Considered

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Credit Recommended:: All Credit Types Considered

Minimum Deposit: $0

Rewards Rate 1: Earn up to 1% in points**

Activation Fee: $0

Apply Now on issuer’s secure website.

Annual Fee: See Terms

Brand Name: Mastercard

Checking Account Required: Yes

Highlights

Extra is the first debit card that helps you build your credit and earns reward points.*
Earn up to 1% back** in redeemable reward points with every purchase and spend your points on everything from Apple Airpods to Beauty products in the legendary Extra Rewards store.
Extra is compatible with over 10,000+ banks* across the United States—keep your money where you want, while spending smarter with Extra.
No Credit Checks.
No Deposit Required.
No interest charges or surprises.
*Please refer to Extra Card’s Terms of Service and Cardholder Agreement for additional details.
**With Extra’s Credit Building + Rewards Plan

See additional details for Extra Card

The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Loans provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

Capital One Quicksilver Secured Cash Rewards Credit Card

Credit Recommended:: Limited, Bad

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Capital One Quicksilver Secured Cash Rewards Credit Card

Apply Now on Capital One® secure website.

Credit Recommended:: Limited, Bad

Rewards Rate 1: 1.5% Cash Back on every purchase, every day

Annual Fee: $0

Regular APR: 30.49% (Variable)

Apply Now on Capital One® secure website.

Minimum Deposit: $200

Fraud Coverage: $0 Fraud Liability for unauthorized charges

Balance Transfer Fee: $0 at the Transfer APR

Highlights

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card

Rates & Fees

Capital One Platinum Secured Credit Card

Credit Recommended:: Limited, Bad

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Capital One Platinum Secured Credit Card

Apply Now on Capital One® secure website.

Credit Recommended:: Limited, Bad

Annual Fee: $0

Minimum Deposit: $49, $99 or $200

Regular APR: 30.49% (Variable)

Apply Now on Capital One® secure website.

Fraud Coverage: $0 Fraud Liability for unauthorized charges

Balance Transfer Fee: $0 at the Transfer APR

Foreign Trans Fee: None

Highlights

No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

See additional details for Capital One Platinum Secured Credit Card

Rates & Fees

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended:: Poor/Fair/Limited/Damaged

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Applied Bank® Secured Visa® Gold Preferred® Credit Card

Apply Now on issuer’s secure website.

Credit Recommended:: Poor/Fair/Limited/Damaged

Regular APR: 9.99% Fixed

Annual Fee: $48

Credit Line: $200 - $1,000

Apply Now on issuer’s secure website.

Credit Recommended: Poor/Fair/Limited/Damaged

Brand Name: Visa®

Security Deposit: $200 - $1,000

Highlights

Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
Absolutely No Credit Check or Minimum Credit Score Required
Automatic Reporting to All Three National Credit Bureaus
9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
Activate Today with a $200 Minimum Deposit - Maximum $1,000.
Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

See additional details for Applied Bank® Secured Visa® Gold Preferred® Credit Card

Merrick Bank Secured Credit Card

Credit Recommended:: See website for Details*

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Apply Now on Merrick Bank secure website.

Credit Recommended:: See website for Details*

Credit Line: $200-$3,000, depending on deposit amount

Regular APR: 22.70% Variable

Cash Advance APR: 27.70% Variable

Apply Now on Merrick Bank secure website.

Minimum Deposit: $200

Annual Fee: $36 for first year. Billed $3 per month thereafter

Cash Advance Fee: 4% Min: $10

Highlights

Choose your own credit line based on how much money you want to put down as a security deposit.
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
After 9 months, we review your account for a credit line increase. No additional deposit required!
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.

See additional details for Merrick Bank Secured Credit Card

OpenSky® Secured Visa® Credit Card

Credit Recommended:: Poor

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Apply Now on Capital Bank N.A. secure website.

Credit Recommended:: Poor

Regular APR: 22.64% (variable)

Annual Fee: $35

Credit Line: $200-$3000 at time of application

Apply Now on Capital Bank N.A. secure website.

Credit Recommended: Poor

Cash Advance APR: 22.64% (variable)

Late Payment Fee: Up to $38

Highlights

No credit check to apply and find out instantly if you are approved
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
*View the cardholder agreement

See additional details for OpenSky® Secured Visa® Credit Card

Total Visa® Card

Credit Recommended:: Fair/Bad Credit

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Apply Now on the Total Visa® Card secure website.

Credit Recommended:: Fair/Bad Credit

Regular APR: 35.99%*

Annual Fee: $75.00 1st year, $48.00 after*

Credit Recommended: Fair/Bad Credit

Apply Now on the Total Visa® Card secure website.

Cash Advance APR: 35.99%*

Late Payment Fee: Up to $41.00*

Return Payment Fee: Up to $41.00*

Highlights

Earn 1% cash back rewards on payments made to your Total Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
No security deposit, simply pay a one-time $95 program fee to open your account.*
User friendly Mobile App.
*See Rates, Fees, Costs & Limitations for complete offer details
See Total Card Visa Rewards Programs Terms & Conditions for details

See additional details for Total Visa® Card

Capital One Quicksilver Student Cash Rewards Credit Card

Credit Recommended:: Average, Fair, Limited

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Capital One Quicksilver Student Cash Rewards Credit Card

Apply Now on Capital One® secure website.

Credit Recommended:: Average, Fair, Limited

Rewards Rate 1: 1.5% Cash Back on every purchase, every day

Intro Rewards Bonus: Earn $50 Cash Back when you spend $100 in the first three months

Regular APR: 19.99% - 29.99% (Variable)

Apply Now on Capital One® secure website.

Annual Fee: $0

Fraud Coverage: $0 Fraud Liability for unauthorized charges

Balance Transfer Fee: $0 at the Transfer APR

Highlights

Earn unlimited 1.5% cash back on every purchase, every day
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Build your credit with responsible card use
Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

See additional details for Capital One Quicksilver Student Cash Rewards Credit Card

Rates & Fees

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:: No credit, Poor, Fair

Apply Now

Apply Now on Capital Bank N.A. secure website.

Credit Recommended:: No credit, Poor, Fair

Regular APR: 29.99% (variable)

Annual Fee: $0

Credit Line: $300-$3000 at time of application

Apply Now on Capital Bank N.A. secure website.

Credit Recommended: No credit, Poor, Fair

Late Payment Fee: Up to $40

Cash Advance APR: 29.99% (variable)

Highlights

No annual fee
No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
Get considered for an unsecured credit line increase after 6 months - no additional deposit
Monitor your credit progress with free access to your FICO Credit Score.
Reports to all 3 major credit bureaus monthly to establish and build credit history.
Secure your credit line with a refundable security deposit - as low as $300.
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
Now you can make smaller partial payments towards funding your security deposit over 60 days
Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

See additional details for OpenSky® Plus Secured Visa® Credit Card

Limited/No History

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