Best Credit Cards for No Credit

Extra Card

Apply Now

Apply Now on issuer’s secure website.

Minimum Deposit: $0

Monthly Fee: $8 for the Credit Building plan or $12 a month for the Credit Building + Rewards plan

Rewards Rate 1: Earn up to 1% in points

Apply Now on issuer’s secure website.

Highlights

No credit checks
Keep your bank
No deposit required
No interest or hidden fees
Full impact on credit
Earn rewards points
99% approval rate

See additional details for Extra Card

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: $300 - $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, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
1% cash back on eligible purchases right away
2% - 10% cash back at select merchants
$300 - $10,000 credit limits
Variable APRs range from 12.99% - 26.99%
No credit score? No problem. If eligible, we'll create your Cash Score instead.
See if you're pre-approved within minutes without impacting your credit score.
Build credit alongside hundreds of thousands of Petal Card members.
Petal reports to all 3 major credit bureaus.
No deposits required
Card issued by WebBank, Member FDIC

See additional details for Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Group One 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 Credit Bureau
Bad Credit, No Credit? No Problem!
Fast and Easy Application

See additional details for Group One Platinum Card

Journey Student Rewards from Capital One

Credit Recommended:: Average, Fair, Limited

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Journey Student Rewards from Capital One

Apply Now on Capital One® secure website.

Credit Recommended:: Average, Fair, Limited

Rewards Rate 1: 1 % Cash Back on all purchases

Intro Rewards Bonus Value Description: Earn up to $60 in streaming subscription credits

Fraud Coverage: You're covered by $0 Fraud Liability if your card is ever lost or stolen

Apply Now on Capital One® secure website.

Annual Fee: $0

Balance Transfer Fee: $0 at this Transfer APR

Foreign Trans Fee: None

Highlights

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
Enjoy no annual fee and no foreign transaction fees
You can help build your credit with responsible use of a card like this
Pick the monthly due date that works best for you
Be automatically considered for a higher credit line in as little as 6 months
$0 fraud liability if your card is ever lost or stolen
Monitor your credit profile with the CreditWise® app, free for everyone

See additional details for Journey Student Rewards from Capital One

Capital One Quicksilver Secured Cash Rewards Credit Card

Credit Recommended:: Limited, Bad

Apply Now

Capital One Quicksilver Secured Cash Rewards Credit Card

Apply Now on Capital One® secure website.

Credit Recommended:: Limited, Bad

Regular APR: 26.99% (Variable)

Balance Transfer Fee: $0 at this Transfer APR

Annual Fee: $0

Apply Now on Capital One® secure website.

Minimum Deposit: $200

Credit Recommended: Limited, Bad

Cash Advance APR: 26.99% (Variable)

Highlights

No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you're approved in seconds
Building your credit? Using a card like this responsibly could help
Put down a refundable $200 security deposit 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 with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score
Earn unlimited 1.5% cash back on every purchase, everywhere. No rotating categories or limits to how much you can earn. It's that simple

Capital One Platinum Secured Credit Card

Credit Recommended:: Limited, Bad

Apply Now

Capital One Platinum Secured Credit Card

Apply Now on Capital One® secure website.

Credit Recommended:: Limited, Bad

Fraud Coverage: You're covered by $0 Fraud Liability if your card is ever lost or stolen

Minimum Deposit: $49, $99 or $200

Purchase Grace Period: 25 days

Apply Now on Capital One® secure website.

Balance Transfer Fee: $0 at this Transfer APR

Annual Fee: $0

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 with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score

See additional details for Capital One Platinum Secured Credit Card

PCB Secured Visa® Credit Card

Credit Recommended:: Good/Limited Credit

Apply Now

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.
A minimum collateral deposit of $200 is required to open this account.
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.
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

Apply Now

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 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®

First Digital Mastercard®

Credit Recommended:: See website for Details*

Apply Now

Apply Now on Synovus Bank secure website.

Credit Recommended:: See website for Details*

Regular APR: 35.99%

Cash Advance APR: 35.99%

Annual Fee: $75.00 for first year. After that, $48.00 annually.

Apply Now on Synovus Bank secure website.

Late Payment Fee: $40

Activation Fee: $95.00 (one-time fee)

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

Highlights

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
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.
Easy and secure online application – It takes just moments to apply.
Issued by Synovus Bank, Member: FDIC

See additional details for First Digital Mastercard®

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

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 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
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
Enjoy protection from unauthorized purchases with $0 fraud liability
*View the cardholder agreement

See additional details for OpenSky® Secured Visa® Credit Card

PREMIER Bankcard® Secured Credit Card

Credit Recommended:: Bad/Limited/No Credit

Apply Now

Apply Now on PREMIER Bankcard® 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 PREMIER Bankcard® secure website.

Credit Recommended: Bad/Limited/No Credit

Highlights

Our mobile app helps you keep track of your spending and payments for greater financial control.
When you need assistance our award-winning US-based Customer Service agents are there to help.
If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
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 PREMIER Bankcard® product.

See additional details for PREMIER Bankcard® Secured 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

Deserve EDU

Credit Recommended:: Good/Limited

Get Started

Get Started on Deserve secure website.

Credit Recommended:: Good/Limited

Annual Fee: $0

Credit Recommended: Good/Limited

Regular APR: 18.74% Variable

Get Started on Deserve secure website.

Foreign Trans Fee: $0

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

Return Payment 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

OakStone Secured Mastercard® Gold Credit Card

Credit Recommended:: Poor/Limited/No Credit

Apply Now

OakStone Secured Mastercard® Gold Credit Card

Apply Now on issuer’s secure website.

Credit Recommended:: Poor/Limited/No Credit

Intro Purchase APR: N/A

Regular APR: 13.99% (V)

Annual Fee: $39

Apply Now on issuer’s secure website.

Credit Recommended: Poor/Limited/No Credit

Highlights

Credit lines available from $200 to $5,000! Low 13.99% variable interest rate on purchases - with no penalty rate!
No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Helps strengthen your credit with responsible card use. Reports to three national bureaus
Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
Nationwide Program though not yet available in NY, IA, AR, or WI
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
See website for additional Oakstone Gold Secured Mastercard® details

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

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; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
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.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

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

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; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
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.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

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

Capital One Platinum Credit Card

Credit Recommended:: Average, Fair, Limited

Apply Now

Apply Now on Capital One® secure website.

Credit Recommended:: Average, Fair, Limited

Balance Transfer Fee: $0 at this Transfer APR

Fraud Coverage: You're covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended: Average, Fair, Limited

Apply Now on Capital One® secure website.

Annual Fee: $0

Foreign Trans Fee: None

Regular APR: 26.99% (Variable)

Highlights

Pay no annual fee
Be automatically considered for a higher credit line in as little as 6 months
Fraud coverage if your card is lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Get access to your account 24 hours a day, 7 days a week
Help build your credit through responsible use of a card like this

See additional details for Capital One Platinum Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card

Credit Recommended:: Average, Fair, Limited

Apply Now

Capital One Quicksilver Student Cash Rewards Credit Card

Apply Now on Capital One® secure website.

Credit Recommended:: Average, Fair, Limited

Fraud Coverage: You're covered by $0 Fraud Liability if your card is ever lost or stolen

Annual Fee: $0

Purchase Grace Period: 25 days

Apply Now on Capital One® secure website.

Balance Transfer Fee: $0 at this Transfer APR

Regular APR: 26.99% (Variable)

Credit Recommended: Average, Fair, Limited

Highlights

Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Earn unlimited 1.5% cash back on every purchase, every day
Enjoy no annual fee, foreign transaction fees, or hidden fees
You can help build your credit with responsible use of a card like this
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Be automatically considered for a higher credit line in as little as 6 months
$0 fraud liability if your card is ever lost or stolen
Set up Autopay for your account and your payments will be made automatically every month

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

Limited/No History

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