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. If you are unsure what your score is, use our free card matching services. We have cards for every credit score. It takes less than 60 seconds in seconds to see if you're eligible with no impact to your credit.

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Find The Card for You
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Cost
No Charge to Find Out if You're Eligible
Credit Limit
Varies Based On The Card You Choose
Card Types
Cards for Every Credit Type
Search Now on the CreditSoup.com secure website.

Highlights

  • Cards for every credit score.
  • See if you're eligible with no impact to your credit.
  • Get personalized card offers in seconds.
  • Compare your offers and apply with confidence.

Group One Platinum Card

Credit Recommended:
Damaged/Fair
Apply Now
Group One Platinum Card
Apply Now on the 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 the 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

Atlas Rewards Credit Card

Credit Recommended:
All Credit Considered
Apply Now
Atlas Rewards Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Considered
Regular APR
0%
Rewards Rate
Up to 3% cash back on Gas, Food Delivery, Coffee Shops and more
Number of Bureaus
TransUnion and Experian
Apply Now on the issuer’s secure website.
Credit Recommended
All Credit Considered
Coverage
All U.S. states, except for NV, SD, and VT

Highlights

  • Cash back on gas, subscriptions and more
  • Safe spending limits that grow with you
  • No credit history required
See additional details for Atlas Rewards Credit Card

Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Net First Platinum
Apply Now on the 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 the 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

Chase Freedom Rise®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Rise®
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Primary Benefit
Establish credit while earning 1.5% cash back on all purchases!
Intro Rewards Bonus
$25 statement credit
Rewards Rate 1
1.5% cash back offer.
Apply Now on the Chase secure website.
Annual Fee
$0
Regular APR
18.49% - 27.99% Variable
Balance Transfer Fee
$5 or 5% of the amount of each transfer, whichever is greater

Highlights

  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
  • Member FDIC
See additional details for Chase Freedom Rise®

opensky® Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
opensky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$200-$3000 at time of application
Annual Fee
$35
Apply Now on the Capital Bank N.A. secure website.
Regular APR
23.89% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
23.89% (variable)

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 2 million+ cardholders who have used opensky® to build better credit!
See additional details for opensky® Secured Visa® Credit Card
Rates & Fees

Merrick Bank Secured Credit Card

Credit Recommended:
See website for Details*
Apply Now
Merrick Bank Secured Credit Card
Apply Now on the Merrick Bank secure website.
Credit Recommended:
See website for Details*
Credit Line
$200-$3,000, depending on deposit amount
Minimum Deposit
$200
Annual Fee
$36 for first year. Billed $3 per month thereafter
Apply Now on the Merrick Bank secure website.
Regular APR
22.20% Variable
Cash Advance APR
27.20% Variable
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

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

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Issuers

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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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