Best Credit Cards for No Credit

PCB Secured Visa® Credit Card

Credit Recommended:: Good/Limited Credit

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Apply Now on Plains Commerce Bank secure website.

Credit Recommended:: Good/Limited Credit

Card Brand: Visa®

Product Type: Secured

Credit Recommended: Good/Limited Credit

Apply Now on Plains Commerce Bank secure website.

Regular APR: 18.90% (fixed)*

Annual Fee: $39*

Credit Line: $200-$1000 at time of application*

Highlights

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.
Reports monthly to all three major credit bureaus.
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.

See additional details for PCB Secured Visa® Credit Card

*See Rates, Fees, Costs and Limitations for additional details

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%

Annual Fee: $48

Credit Line: See website for Details*

Apply Now on issuer’s secure website.

Credit Recommended: Poor/Fair/Limited/Damaged

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 Double Your Line™ Secured Visa®

Credit Recommended:: See website for Details

Apply Now

Merrick Bank Double Your Line™ Secured Visa®

Apply Now on Merrick Bank secure website.

Credit Recommended:: See website for Details

Credit Line: $200, which doubles to $400 if you qualify

Regular APR: 17.45% Variable

Cash Advance APR: 22.45% Variable

Apply Now on Merrick Bank secure website.

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

Minimum Deposit: $200

Late Payment Fee: Up to $40

Highlights

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
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 100% U.S.-based customer service & 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 Double Your Line™ Secured Visa®

Venue Rewards™

Credit Recommended:: See website for Details*

Apply Now

Apply Now on issuer’s secure website.

Credit Recommended:: See website for Details*

Regular APR: See website for Details*

Credit Line: See website for Details*

Monthly Fee: See website for Details*

Apply Now on issuer’s secure website.

Credit Recommended: See website for Details*

Highlights

Shop now, pay later
Over 1,000,000 brand name products
Shipped by Amazon
No credit required
Next day shipping on many items
Exclusive member benefits
Must be 18 years of age or older
Must have at least $1000/month minimum income

Merrick Bank Secured Visa® from Merrick Bank

Credit Recommended:: See website for Details*

Apply Now

Merrick Bank Secured Visa® from Merrick Bank

Apply Now on Merrick Bank secure website.

Credit Recommended:: See website for Details*

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

Regular APR: 17.45% Variable

Cash Advance APR: 22.45% Variable

Apply Now on Merrick Bank secure website.

Minimum Deposit: $200

Intro (Purchases): N/A

Intro (Transfers): N/A

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. As you pay your bill every month, we report to all three major credit-reporting agencies.
Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.

See additional details for Merrick Bank Secured Visa® from Merrick Bank

Citi® Secured Mastercard®

Credit Recommended:: Limited History, No Credit, New-to-Credit

Apply Now

Apply Now on issuer’s secure website.

Credit Recommended:: Limited History, No Credit, New-to-Credit

Regular APR: 22.49% (Variable)

Annual Fee: $0

Credit Recommended: Limited History, No Credit, New-to-Credit

Apply Now on issuer’s secure website.

Cash Advance APR: 25.24% (Variable)

Penalty APR: Up to 29.99% (Variable)

Balance Transfer Fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.

Highlights

The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
Use your card anywhere Mastercard® is accepted — worldwide.
A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
Get help staying on track with Auto Pay and account alerts.
With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
Manage your account 24/7 online, by phone, or in our mobile app.
The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi’s discretion.

Jasper Mastercard®

Credit Recommended:: Excellent, Good, Limited

Apply Now

Apply Now on Jasper secure website. See if you may qualify

Credit Recommended:: Excellent, Good, Limited

Annual Fee: $0

Credit Line: Up to $5,000

Regular APR: 15.49%-24.99% (Variable)

Apply Now on Jasper secure website. See if you may qualify

Cash Advance APR: 24.99%-29.99% (Variable)

Late Payment Fee: Up to $27.00

Return Check Fee: Up to $27.00

Highlights

Get up to 6% cash back by referring friends!
Start with 1% and get extra 0.5% for full year for every friend you bring on board
Up to $5,000 credit limits
Receive cash back automatically every month as a statement credit after three on time payments
Earn cash back as long as your account is in good standing. If your account is past due, cash back will be locked.
Your cash back maximum varies based on your credit limit.
See Jasper's terms and fees
Issued by WebBank, Member FDIC

See additional details for Jasper Mastercard®

Rates & Fees

Principal Platinum Card

Credit Recommended:: Damaged/Fair

Apply Now

Apply Now on issuer’s secure website.

Credit Recommended:: Damaged/Fair

Credit Limit: $750 Limit

Regular APR: 0% APR

Monthly Fee: See website for Details*

Apply Now on issuer’s secure website.

Credit Recommended: Damaged/Fair

Highlights

Instant Approval / $750 Credit Line!
No Employment or Credit Check
Reports to Major Bureau
Bad Credit, No Credit - OK
Always 0.0% APR
Fast Online Applications

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Credit Recommended:: Excellent/Good/Limited/No Credit

Apply Now

Apply Now on WebBank secure website.

Credit Recommended:: Excellent/Good/Limited/No Credit

Annual Fee: $0

Credit Limit: $500 - $10,000

Regular APR: 12.99% to 26.99% Variable

Apply Now on WebBank secure website.

Balance Transfer Fee: N/A

Product Type: Consumer

Credit Recommended: Excellent/Good/Limited/No Credit

Highlights

No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
Up to 1.5% cash back after making 12 on-time monthly payments
1% cash back on eligible purchases right away
2% - 10% cash back from select merchants
$500 - $10,000 credit limits
Variable APRs 12.99% - 26.99%
Build credit alongside tens of thousands of Petal Card members
Cash flow technology may help applicants without credit history get approved
Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
See if you're pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, Member FDIC

First PREMIER® Bank Secured Credit Card

Credit Recommended:: Bad/Limited/No Credit

Apply Now

Apply Now on First PREMIER® Bank secure website.

Credit Recommended:: Bad/Limited/No Credit

Regular APR: See Issuer Website

Annual Fee: See Issuer Website

Credit Line: See Issuer Website

Apply Now on First PREMIER® Bank secure website.

Credit Recommended: Bad/Limited/No Credit

Highlights

If approved, fund your Security Deposit to open your account. Once open, you will have the opportunity to build your credit limit up to $5,000.
Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
Reports to consumer reporting agencies help you monitor your financial progress to begin your credit building journey (build credit by keeping your balance low and paying on time every month)
You don't need perfect credit for a First PREMIER® Bank Secured Credit Card
Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.

See additional details for First PREMIER® Bank Secured Credit Card

FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.

OpenSky® Secured Visa® Credit Card

Credit Recommended:: Poor

Apply Now

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

Credit Recommended:: Poor

Regular APR: 17.39% (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: 17.39% (variable)

Late Payment Fee: Up to $38

Highlights

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
*View our Cardholder Agreement located at the bottom of the application page for details of the card.

See additional details for OpenSky® Secured Visa® Credit Card

Net First Platinum

Credit Recommended:: Damaged credit to Fair credit

Apply Now

Apply Now on issuer’s secure website.

Credit Recommended:: Damaged credit to Fair credit

Credit Line: $750 Limit

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

Instant Approval / $750 Credit Line!
No Employment or Credit Check
Reports to Major Bureau
Bad Credit, No Credit - OK
Always 0.0% APR
Fast Online Applications

See additional details for Net First Platinum

*See Card for Details

Progress Credit

Credit Recommended:: See website for Details*

Apply Now

Apply Now on issuer’s secure website.

Credit Recommended:: See website for Details*

Regular APR: See website for Details*

Annual Fee: See website for Details*

Credit Line: See website for Details*

Apply Now on issuer’s secure website.

Credit Recommended: See website for Details*

Highlights

Get both a Secured MasterCard® and an Unsecured VISA® Credit Card from our trusted partners with this unique program
The Secured Card offered by our partners at First Progress requires no credit history or minimum score for approval
The unsecured VISA card does not require perfect credit; our partners at First Access Card may approve you when others won’t
Open accounts with both VISA and MasterCard so you’ll always have access
Both accounts report activity separately to all three Credit Bureaus every month
Both cards are genuine credit cards with security protections and nationwide acceptance
Apply for both cards – or either card separately – the choice is up to you!

See additional details for Progress Credit

Total Visa® Card

Credit Recommended:: Fair/Bad Credit

Apply Now

Apply Now on the Total Visa® Card secure website.

Credit Recommended:: Fair/Bad Credit

Regular APR: See Terms*

Annual Fee: See Terms*

Activation Fee: See Terms*

Apply Now on the Total Visa® Card secure website.

Credit Recommended: Fair/Bad Credit

Highlights

Checking Account Required
Fast and easy application process; response provided in seconds
A genuine Visa credit card accepted by merchants nationwide across the USA and online
Manageable monthly payments
$300 credit limit (subject to available credit)
Reports monthly to all three major credit bureaus

See additional details for Total Visa® Card

Petal® 1 "No Annual Fee" Visa® Credit Card

Credit Recommended:: Fair/Bad/Limited/No Credit

Apply Now

Apply Now on WebBank secure website.

Credit Recommended:: Fair/Bad/Limited/No Credit

Regular APR: 19.99 - 29.49% Variable

Credit Recommended: Fair/Bad/Limited/No Credit

Credit Limit: $500 - $5,000

Apply Now on WebBank secure website.

Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment.

Return Check Fee: Bounced payment fee up to $29.

Intro Rate: N/A

Highlights

$0 Annual Fee
2% - 10% cash back from select merchants
$500 - $5,000 credit limits
Variable APRs 19.99 - 29.49% APR
No annual or international transaction fees. Late and returned payment fees may apply
Build credit alongside tens of thousands of Petal Card members
Cash flow technology may help applicants without credit history get approved
Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
See if you're pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, Member FDIC

Deserve Edu

Credit Recommended:: Good/Limited

Get Started

Get Started on Celtic Bank secure website.

Credit Recommended:: Good/Limited

Annual Fee: $0

Credit Recommended: Good/Limited

Regular APR: 18.74% Variable

Get Started on Celtic Bank secure website.

Foreign Trans Fee: $0

Late Payment Fee: Up to $25, First Late Fee Waived

Return Check Fee: Up to $37

Highlights

Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
Feel secure with cell phone protection up to $600.
No deposit required. No annual fees.
No international transaction fees on purchases abroad so you can travel with confidence.
No Social Security Number required for international students to apply.
Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
See if you prequalify with no impact to your credit score in minutes.
Deserve Mastercards are issued by Celtic Bank, Member FDIC.
Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

See additional details for Deserve Edu

Rates & Fees

First Progress Platinum Select MasterCard® Secured Credit Card

Credit Recommended:: Poor/Limited/No Credit

Apply Now

First Progress Platinum Select MasterCard® Secured Credit Card

Apply Now on Synovus Bank secure website.

Credit Recommended:: Poor/Limited/No Credit

Regular APR: 13.99% (V)

Annual Fee: $39

Credit Line: $2,000

Apply Now on Synovus Bank secure website.

Credit Recommended: Poor/Limited/No Credit

Cash Advance APR: 19.99% (V)

Highlights

Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application
Full-Feature Platinum Mastercard® Secured Credit Card
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
24/7 Online Access to Your Account
Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

See additional details for First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card

Credit Recommended:: Poor/Limited/No Credit

Apply Now

First Progress Platinum Prestige MasterCard® Secured Credit Card

Apply Now on Synovus Bank secure website.

Credit Recommended:: Poor/Limited/No Credit

Regular APR: 9.99% (V)

Annual Fee: $49

Credit Line: $2,000

Apply Now on Synovus Bank secure website.

Credit Recommended: Poor/Limited/No Credit

Cash Advance APR: 18.99 (V)

Highlights

Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

See additional details for First Progress Platinum Prestige MasterCard® Secured Credit Card

Limited/No History

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