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 credit score is? Sign up for a Free Score today. Once you know your credit score, match it to a list of credit cards options for your score.
- 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
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.
- Primary Benefit
- Build credit fast with 0% APR
- Cost
- See website for Details*
- Coverage
- Nationwide
Highlights
- Build credit faster with 0% APR!
- You’re pre-approved. No credit check or hard inquiry!
- Firstcard users see their credit scores increase 52+ points on average within 3 months*
- Report to all three credit bureaus: Experian, TransUnion, and Equifax
- Get an in-depth monthly credit report with Firstcard Premium
- Earn up to 4% APY on your deposit
- 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
- 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
- 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*
- 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
- Credit Recommended:
- All Credit Types Accepted
- Regular APR
- 24.99%
- Credit Recommended
- All Credit Types Accepted
- Card Brand
- Mastercard®
- Late Payment Fee
- Up to $38
- Return Payment Fee
- $0
- Annual Fee
- $60* (*discounted in Year 1 for starting credit lines under $300)
Highlights
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
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
- 24.14% (variable)
- Credit Recommended
- No credit, Poor, Fair
- Cash Advance APR
- 24.14% (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 1.6 million+ cardholders who have used opensky® to build better credit!
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.
- Credit Recommended:
- Damaged/Fair
- Credit Limit
- $750 Limit (Usable only at TheHorizonOutlet.com)
- Regular APR
- 0% APR
- Monthly Fee
- See website for Details*
- Credit Recommended
- Damaged/Fair
Highlights
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
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
- $300-$3000 at time of application
- Annual Fee
- $0
Apply Now
on the Capital Bank N.A. secure website.
- Regular APR
- 28.49% (variable)
- Credit Recommended
- No credit, Poor, Fair
- Cash Advance APR
- 28.49% (variable)
Highlights
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- 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 as little as $300 – Secure your line with a refundable security 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 1.6 million+ cardholders who have used opensky® to build better credit!
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
- $100- $1,000
- Minimum Deposit
- $100
Apply Now
on the Capital Bank N.A. secure website.
- Regular APR
- 28.49% (variable)
- Annual Fee
- $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
- Credit Recommended
- No credit, Poor, Fair
Highlights
- Start building credit with just $100 – secure your line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- 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
- 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 1.6 million+ cardholders who have used opensky® to build better credit!
- Credit Recommended:
- None/Poor
- Credit Line
- Starts at $100 and is equal to your deposit
- Minimum Deposit
- $100 minimum security deposit*
- Credit Check
- No Hard Credit Check Required
- Regular APR
- 27.49% Variable (As of 1/1/2026)
- Credit Recommended
- None/Poor
- Annual Fee
- Intro - $0 ($25 Annual Fee after the first year.)^
Highlights
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
- No credit check
- No hard inquiry
- $100 minimum security deposit*
*Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
*See online credit card application for details on the terms and conditions.