Limited/No History

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If you do not have a credit score, you may qualify for a card in the Limited Credit or No Credit History category. Cards in this category are typically designed to help consumers establish their credit history. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

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 issuer’s secure website.
Credit Recommended:
See website for Details*
Intro (Purchases)
N/A
Intro (Transfers)
N/A
Credit Line
$200-$3,000, depending on deposit amount
Apply Now on issuer’s secure website.
Regular APR
18.95% Variable
Cash Advance APR
23.95% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter

Highlights

  • Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance - use it anywhere Visa is accepted.
  • Quick, easy application - apply online today!

Capital One® QuicksilverOne® Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now
Capital One® QuicksilverOne® Cash Rewards Credit Card
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Balance Transfer Fee
$0
Foreign Trans Fee
None
Regular APR
26.74% (Variable)
Apply Now on Capital One® secure website.
Annual Fee
$39
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card

First Digital Mastercard®

Credit Recommended:
See website for Details*
Apply Now
First Digital Mastercard®
Apply Now on Synovus Bank, Member: FDIC 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, Member: FDIC secure website.
Late Payment Fee
Up to $39.00
Return Check Fee
Up to $39.00
Activation Fee
$95.00 (one-time fee)

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

Merit Platinum Card

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Merit Platinum Card
Apply Now on issuer’s secure website.
Credit Recommended:
Damaged credit to Fair credit
Credit Line
$500 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

  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check

Freedom Gold Card

Credit Recommended:
Damage credit to Fair credit
Apply Now
Freedom Gold Card
Apply Now on issuer’s secure website.
Credit Recommended:
Damage credit to Fair credit
Credit Line
$500 Limit
Monthly Fee
See website for Details*
Regular APR
0% APR
Apply Now on issuer’s secure website.
Credit Recommended
Damage credit to Fair credit

Highlights

  • $500 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK
See additional details for Freedom Gold Card

*See site for details

Rates & Fees

Petal® Visa® Credit Card

Credit Recommended:
Fair/Good/Limited/No Credit
Apply Now
Petal® Visa® Credit Card
Apply Now on WebBank secure website.
Credit Recommended:
Fair/Good/Limited/No Credit
Annual Fee
$0
Credit Limit
$500 - $10,000
Regular APR
14.49% - 25.49% Variable
Apply Now on WebBank secure website.
Balance Transfer Fee
N/A
Product Type
Consumer
Credit Recommended
Fair/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
  • Variable APRs 14.49% - 25.49%
  • 1% cash back on eligible purchases right away
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology can help applicants without credit history get approved
  • $500 - $10,000 credit limits
  • 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 Pro

Credit Recommended:
Fair/Good/Excellent
Get Started
Deserve Pro
Get Started on Celtic Bank secure website.
Credit Recommended:
Fair/Good/Excellent
Annual Fee
$0
Credit Recommended
Fair/Good/Excellent
Regular APR
17.49% to 24.49% 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

  • Enjoy Priority Pass Membership on us (Lifetime value worth $99)
  • Earn 3% cash back on Travel, 2% on Restaurants, & 1% cash back on all other purchases automatically.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. __Lemonade Insurance Rebate __- Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app
  • Start building your credit responsibly and enjoy the perks for good credit
  • No Deposit Required
Rates & Fees

Capital One® Secured Mastercard®

Credit Recommended:
Limited, Bad
Apply Now
Capital One® Secured Mastercard®
Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Balance Transfer Fee
$0
Annual Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.74% (Variable)
Product Type
ConsumerCard
Credit Recommended
Limited, Bad

Highlights

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
See additional details for Capital One® Secured Mastercard®

First PREMIER® Bank Secured Credit Card

Credit Recommended:
Bad/Limited/No Credit
Apply Now
First PREMIER® Bank Secured Credit Card
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 the security deposit to open your account.
  • This is a genuine secured credit card - not a debit or prepaid card.
  • Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
  • Security Deposits are placed in an FDIC-insured account.
  • Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts.
  • No credit history required to apply for this credit card.
  • Only you can build or rebuild credit. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Credit 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.
See additional details for First PREMIER® Bank Secured Credit Card

See online credit card application for details on the terms and conditions.

FICO scores/credit 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
OpenSky® Secured Visa® Credit Card
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
18.89% (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
18.89% (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

Capital One® Platinum Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now
Capital One® Platinum Credit Card
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.74% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • 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 strengthen your credit for the future with responsible card use
See additional details for Capital One® Platinum Credit Card

Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Net First Platinum
Apply Now on issuer’s secure website.
Credit Recommended:
Damaged credit to Fair credit
Credit Line
$500 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 / $500 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
Progress Credit
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

Journey® Student Rewards from Capital One®

Credit Recommended:
Average, Fair, Limited
Apply Now
Journey® Student Rewards from Capital One®
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.74% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $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®

The First Latitude MasterCard® Secured Credit Card

Credit Recommended:
Credit Improvement
Apply Now
The First Latitude MasterCard® Secured Credit Card
Apply Now on Synovus Bank secure website.
Credit Recommended:
Credit Improvement
Regular APR
25.99%
Annual Fee
No Annual Fee!
Credit Line
$200 to $2,000 – you choose your limit
Apply Now on Synovus Bank secure website.
Credit Recommended
Credit Improvement
Cash Advance APR
26.74%

Highlights

  • No Annual Fee! Build up your credit with responsible card use.
  • Get Approved Fast – Just Click Below to Start the Process!
  • 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

Green Dot primor® Mastercard® Gold Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
Green Dot primor® Mastercard® Gold Secured Credit Card
Apply Now on Green Dot Bank secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
9.99% (F)
Annual Fee
$49
Credit Line
$200 to $5000
Apply Now on Green Dot Bank secure website.
Credit Recommended
Poor/Limited/No Credit
Late Payment Fee
Up to $29
Cash Advance Fee
Either $5 or 5% of the amount of each cash advance, whichever is greater

Highlights

  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% 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!
  • 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.
  • See additional Green Dot primor® Mastercard® Gold Secured Credit Card details
See additional details for Green Dot primor® Mastercard® Gold Secured Credit Card
Rates & Fees

Deserve Edu

Credit Recommended:
Good/Limited
Get Started
Deserve Edu
Get Started on Celtic Bank secure website.
Credit Recommended:
Good/Limited
Annual Fee
$0
Credit Recommended
Good/Limited
Regular APR
20.24% 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

  • Enjoy Amazon Student Prime Membership on us for a year, must be a student to qualify.
  • Earn 1% cash back on all purchases automatically.
  • No Social Security Number required for International Students and no credit history required.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. Lemonade Insurance Rebate - Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app.
  • Start building credit responsibly and enjoy the perks of being a student
  • No Deposit Required.
Rates & Fees

First Progress Platinum Select MasterCard® Secured Credit Card

Credit Recommended:
Damaged/Fair
Apply Now
First Progress Platinum Select MasterCard® Secured Credit Card
Apply Now on Synovus Bank secure website.
Credit Recommended:
Damaged/Fair
Regular APR
13.99%
Annual Fee
$39
Credit Line
$2,000
Apply Now on Synovus Bank secure website.
Credit Recommended
Damaged/Fair
Cash Advance APR
20.74%

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
  • Full-Feature Platinum MasterCard(R) 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.
See additional details for First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card

Credit Recommended:
Damaged/Fair
Apply Now
First Progress Platinum Prestige MasterCard® Secured Credit Card
Apply Now on Synovus Bank secure website.
Credit Recommended:
Damaged/Fair
Regular APR
9.99%
Annual Fee
$49
Credit Line
$2,000
Apply Now on Synovus Bank secure website.
Credit Recommended
Damaged/Fair
Cash Advance APR
19.74%

Highlights

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

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%
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

*See online credit card application for details on the terms and conditions.

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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