Top-Rated Credit Cards Suitable for Those With No Credit in 2022

According to the Federal Reserve Bank, more than 75% of adults have at least one credit card, making it the most popular payment method. Good credit plays a huge role in one’s financial life, especially when applying for a credit card. The question is, how do you get one if you don’t have a credit history?

This article covers everything you need to know to get a credit card without credit. We also include a list of credit cards for people with no credit.

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1. Upgrade Cash Rewards Visa®

The Upgrade Cash Rewards Visa® is a perfect fit for travelers. Aside from its many benefits, such as no-fee foreign transactions, the concierge service that comes with the card can help you organize a perfect trip while borrowing the cash. Full Review

  • $200 bonus
  • No annual fee
  • No international transaction fee
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The Upgrade Cash Rewards Visa® is a perfect fit for travelers. Aside from its many benefits, such as no-fee foreign transactions, the concierge service that comes with the card can help you organize a perfect trip while borrowing the cash. Full Review

APR

4/5

Fees

5/5

Requirements

5/5

Rewards

5/5

2. First Progress Platinum Prestige Mastercard® Secured Credit Card

The First Progress Platinum Prestige Mastercard® Secured Credit Card requires no credit history and offers a quick online application process. The benefits that come with it make this card recognizable and widely accepted. This credit card is a perfect choice for both building and rebuilding your credit score. Full Review

  • Refundable deposit
  • Widely accepted
  • Quick and complete online application
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The First Progress Platinum Prestige Mastercard® Secured Credit Card requires no credit history and offers a quick online application process. The benefits that come with it make this card recognizable and widely accepted. This credit card is a perfect choice for both building and rebuilding your credit score. Full Review

APR

5/5

Fees

4/5

Requirements

5/5

Rewards

4/5

3. OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card comes with a fast 24 to 48-hour application process, perfect when you are in a hurry. It is a secure option that reports to all three major bureaus and helps you build a credit score or rebuild a bad one in a couple of months. Full Review

  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • Easy application, apply in less than 5 minutes right from your mobile device
  • No credit check to apply
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The OpenSky® Secured Visa® Credit Card comes with a fast 24 to 48-hour application process, perfect when you are in a hurry. It is a secure option that reports to all three major bureaus and helps you build a credit score or rebuild a bad one in a couple of months. Full Review

APR

5/5

Fees

4/5

Requirements

4/5

Rewards

5/5

4. Capital One Platinum Credit Card

You can apply for the Secured Mastercard Capital One card quickly and easily. There’s no annual fee, which is great, no matter whether you need cash or just want to build credit. The Capital One mobile app gives you full access to your account, making your funds easy to manage. It is perfect for building credit. Full Review

  • Initial credit line of $200
  • Capital One mobile app
  • No annual fee
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You can apply for the Secured Mastercard Capital One card quickly and easily. There’s no annual fee, which is great, no matter whether you need cash or just want to build credit. The Capital One mobile app gives you full access to your account, making your funds easy to manage. It is perfect for building credit. Full Review

APR

4/5

Fees

4/5

Requirements

4/5

Rewards

5/5

5. Secured Mastercard Capital One

You can apply for the Secured Mastercard Capital One card quickly and easily. There’s no annual fee, which is great, no matter whether you need cash or just want to build credit. The Capital One mobile app gives you full access to your account, making your funds easy to manage. It is perfect for building credit. Full Review

  • Initial credit line of $200
  • Capital One mobile app
  • No annual fee
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You can apply for the Secured Mastercard Capital One card quickly and easily. There’s no annual fee, which is great, no matter whether you need cash or just want to build credit. The Capital One mobile app gives you full access to your account, making your funds easy to manage. It is perfect for building credit. Full Review

APR

5/5

Fees

5/5

Requirements

4/5

Rewards

5/5

6. QuicksilverOne Cash Rewards Credit Card from Capital One

Capital One’s QuicksilverOne Cash Rewards Credit Card offers many bonuses. This card allows you to cover the purchases with the cashback you earn. It is an excellent alternative for people who are looking to build a credit history. Full Review

  • Cashback feature
  • Easy to use
  • Rewards options
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Capital One’s QuicksilverOne Cash Rewards Credit Card offers many bonuses. This card allows you to cover the purchases with the cashback you earn. It is an excellent alternative for people who are looking to build a credit history. Full Review

APR

5/5

Fees

5/5

Requirements

4/5

Rewards

4/5

7. First Premier Bank Mastercard Credit Card

The First Premier Bank Mastercard Credit Card comes with many exciting options for people with or without a credit history. Additionally, you have an opportunity to access a higher credit line within a couple of months. Full Review

  • Builds credit history
  • Great customer service
  • Straightforward app
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The First Premier Bank Mastercard Credit Card comes with many exciting options for people with or without a credit history. Additionally, you have an opportunity to access a higher credit line within a couple of months. Full Review

APR

5/5

Fees

4/5

Requirements

5/5

Rewards

4/5

8. Self Visa® Credit Card

The secured Self Visa® Credit Card comes with many great options for people with no credit. Its app gives you access to the Self Credit Builder Loan report, where you can see your account status at all times. Full Review

  • No additional money upfront
  • Opportunity of increasing the credit limit
  • Fast approval
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The secured Self Visa® Credit Card comes with many great options for people with no credit. Its app gives you access to the Self Credit Builder Loan report, where you can see your account status at all times. Full Review

APR

5/5

Fees

5/5

Requirements

4/5

Rewards

4/5

9. Journey Student Rewards from Capital One

The Journey Student Rewards card offers convenient options ideal for students and those looking to build a credit score. By paying your bills on time, you can build an excellent credit score, and you also get bonuses and rewards. Full Review

  • You can qualify with average credit
  • No annual fee
  • No foreign transaction fee
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The Journey Student Rewards card offers convenient options ideal for students and those looking to build a credit score. By paying your bills on time, you can build an excellent credit score, and you also get bonuses and rewards. Full Review

APR

4/5

Fees

4/5

Requirements

5/5

Rewards

5/5

10. American Express Cash Magnet® Card

The American Express Cash Magnet® Card is your perfect everyday card that gets you bonuses and rewards with every payment. The simple flat rate and no annual fee for the first 15 months is a great deal. It’s perfect for people with good credit. Full Review

  • A simple flat-rate cash back card
  • 0% annual fee
  • Has a minimum score for approval
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The American Express Cash Magnet® Card is your perfect everyday card that gets you bonuses and rewards with every payment. The simple flat rate and no annual fee for the first 15 months is a great deal. It’s perfect for people with good credit. Full Review

APR

3/5

Fees

5/5

Requirements

4/5

Rewards

4/5

11. Brex Card

Brex Card is all you need in one bank account, only without fees and limits. It comes with endless opportunities to collect extra points and even better ways to use them, such as airline tickets and travel bookings. It is an excellent option for startup businesses. Full Review

  • Welcome bonus
  • No annual fees
  • Generous rewards
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Brex Card is all you need in one bank account, only without fees and limits. It comes with endless opportunities to collect extra points and even better ways to use them, such as airline tickets and travel bookings. It is an excellent option for startup businesses. Full Review

APR

5/5

Fees

4/5

Requirements

3/5

Rewards

4/5

Our Methodology

We considered the following information when compiling our list that would help you identify which type of card is the best for your needs. These are some of the main points that you should look for in a card issuer:

  • Reporting to the Major Credit Bureaus

Credit reporting agencies or credit bureaus such as TransUnion, Equifax, and Experian, collect all the relevant information about mortgages and financial histories. You want a provider that reports to these agencies because this is the way to build a good credit history.

  • Low Fees

Credit cards for no credit history come with different rules and expenses. The best choice will offer a good balance of benefits and charges. Low or 0% fees play a significant role in choosing a credit card.

  • Ease of Signing Up

It shouldn’t be challenging to apply for a credit card. The length of the approval period is an essential factor for those in a hurry. An online credit card application process is the most convenient way of applying for a card. Luckily, it is becoming more popular among credit cards with no credit history providers.

  • Customer Reviews

Reviews are essential as they help you decide whether to use a product or service. They give you a better picture of the provider’s credibility. Other people’s experiences can encourage or discourage you from buying a product, and often rightly so. It’s also a great way to find out the details about the product that aren’t usually mentioned in its description or commercial.

Best Credit Cards for People With No Credit

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®

Best for People With Fair Credit, Looking to Build Credit

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  • No international transaction fee
  • No annual fee
  • Balance transfers not allowed

Upgrade Cash Rewards Visa® offers a possibility to earn an unlimited 1.5% cashback on your payments. With the latest updates, this credit card offers a $200 bonus after opening a Rewards Checking account and making 3 debit card transactions. Furthermore, you get access to a concierge that can help you with travel planning, entertainment tickets, reservations, etc.

Features

In terms of features, you can expect:

  • An extended warranty protection of up to one year.
  • Once you apply, the company will check your credit without any impact on your credit score.
  • You will get an immediate access to a virtual credit card.
  • Mobile app for ease of payments.
  • The $0 Fraud liability is another perk that you get with this card.

Customer Satisfaction

The score is 4.5/5, and 85% of customers recommend it. This is sometimes considered the best first credit card to build credit with, and it comes with an APR range of 7.96%-35.97% and a 0% annual fee.

First Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card

Best for Fixing Bad Credit or Building Credit

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  • Quick and complete online application
  • Refundable deposit
  • Widely accepted
  • No rewards program

It’s the best credit card for those with no credit history, thus, you don’t need to have a credit history or a minimum credit score for approval. It builds your credit history by reporting monthly to all the three major credit bureaus.

Features

It comes with an annual fee of $49, and the regular APR is 13.74% (V). You need to be a US resident and have a qualifying bank account to apply. The credit line is $2,000 and the APR for cash advance is 22.74% (V).

There is no rewards program, but it is possible to get a $200 credit limit with a lower initial deposit. Depending on one’s financial situation, there is an opportunity to qualify for a minimum security deposit of $49, $99, or $200.

Here is an overview of all the features you get with First Progress

  • Receive your card more quickly with their new expedited processing option
  • No credit history or minimum credit score required for approval
  • Quick and complete online application
  • Includes free real-time access to your credit score and ongoing credit monitoring powered by Experian
  • Full-feature Platinum Mastercard® Secured Credit Card
  • New mobile app for Android users
  • Monthly reporting to all 3 major credit bureaus
  • Credit line secured by your fully-refundable deposit ($200 — $2,000 submitted with application)
  • 24/7 online access to your account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • New Spanish language feature
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

Customer Satisfaction

Customers are satisfied with how the Platinum Select Mastercard helped them to build up their credit scores.

OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card

Best for People With Poor Credit

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  • Offers flexible payment due dates
  • Easy application, apply in less than 5 minutes right from your mobile device
  • No credit check to apply
  • High APR

It offers a $35 annual fee and 20.39% variable APR, which makes it an excellent option for people with poor or no credit history, which makes it one of the best credit cards to build credit with.

Features

There is no need for a credit check when applying for this card but it requires a $200 refundable minimum deposit. The amount you pay becomes the credit line limit on the Visa card itself. This card can help you build a good credit score.

Customer Satisfaction

It has a 4.6/5 score, which shows that most of the customers are happy with the services this credit card provides.

Capital One Platinum Credit Card
Capital One Platinum Credit Card
Capital One Platinum Credit Card

Best for Those With Average Credit Looking for an Unsecured Credit Card With No Annual Fee

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  • Helps build credit
  • Easy to navigate
  • Smooth app
  • Low limit

This credit card comes with a $0 annual fee and 26.99% variable APR. You get fraud coverage and the possibility of paying with a contactless card.

Features

After six months, the customer is automatically considered for higher credit and gets limitless access to tools for monitoring their credit profile. Some of the many benefits include the No International Transaction Fee option and the possibility of quick Emergency Card Replacement.

Customer Satisfaction

The product is rated 4.5/5 based on 9,298 customer reviews. And more than 93% of reviewers would recommend it to others. You can apply for this credit card without a credit score if you are a US citizen/resident. You have to be over 18 and have a valid Social Security number or Individual Taxpayer Identification Number. The application process is simple and straightforward.

Secured Mastercard Capital One
Secured Mastercard Capital One
Secured Mastercard Capital One

Best for Building Credit

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  • No annual fee
  • Initial credit line of $200
  • Capital One mobile app
  • Requires a security deposit

This is a credit card you can get without credit history, and it comes with a $0 annual fee and 26.99% variable APR. It requires a $49, $99, or $200 refundable minimum security deposit.

Features

Signing up is straightforward and done in three quick steps. Some of the benefits are the card lock option and security account alerts.

Customer Satisfaction

It has a score of 4.4/5 based on 13,788 reviews. Around 91% of the reviewers would recommend the Secured Mastercard to others.

All things considered, this credit card is probably the best first credit card to build credit with. What makes this credit card unique is that it is partially secured, with a credit line that exceeds the deposited money.

QuicksilverOne Cash Rewards Credit Card from Capital One
QuicksilverOne Cash Rewards Credit Card from Capital One
QuicksilverOne Cash Rewards Credit Card from Capital One

Best for Building Credit History

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  • Rewards options
  • Cashback feature
  • Easy to use
  • Low credit limit

This is one of the best credit cards for people with no credit that comes with an unlimited 1.5% cashback on every purchase, a $39 annual fee, and a 26.99% variable APR. This credit card also offers rewards, giving you the opportunity to redeem your rewards for cash or gift cards.

Features

The possibility to add authorized users and its 24/7 customer service are just a couple of the card’s many benefits. The credit limit is $300 or higher. However, if you pay your bills on time, you could get access to more credit in 6 months.

Customer Satisfaction

It has a score of 4.6/5 based on 10,067 reviews. 94% of reviewers recommend the QuicksilverOne Rewards Card as the best credit card for those with no credit history.

First Premier Bank Mastercard Credit Card
First Premier Bank Mastercard Credit Card
First Premier Bank Mastercard Credit Card

Best for People With Poor Credit or No Credit

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  • Straightforward app
  • Builds credit history
  • Great customer service
  • Processing fee
  • High APR

The card has a refundable security deposit and offers a chance to access a higher credit line with time. With this credit card, no credit history is required to apply.

Features

It comes with a 36% regular APR and up to $125 annual fee the first year and $49 each year after that, which we think would make it a good first credit card for people with no credit deal if it wasn’t for the high APR.

Customer Satisfaction

It has a score of 4.5/5, and 92% of the reviewers would recommend it to others. Many customers say that its automatic payment reminders, paperless statements, and text or email account alerts are a nice touch.

Self Visa® Credit Card
Self Visa® Credit Card
Self Visa® Credit Card

Best for Building Credit for People With No Credit History

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  • Fast approval
  • No additional money upfront
  • Opportunity of increasing the credit limit
  • No upgrade to an unsecured card

Self Visa® Credit Card is a secured credit card which enables people with poor or no credit history to build a credit profile. Once the Self Visa® Credit Card’s requirements are fulfilled, the client will receive a loan which will be placed into an interest-bearing Certificate of Deposit.

Features

Self Visa costs $25 a year, plus a one-time $9 non-refundable administrative fee and a minimum deposit of $100 to activate the card.

The money on your account secures the limit. Once you are eligible for the credit limit increase, you will get an alert on your account dashboard.

Customer Satisfaction

It has a rating of 4/5, and the customers are happy with the app. With this credit card with no need to prove your credit history, you can increase your limit by $25 at once

Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One

Best for Those New to Credit, and With No Credit History

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  • No foreign transaction fee
  • You can qualify with average credit
  • No annual fee
  • High APR

This is one of the best-known credit cards for students with no credit. There is a 0% annual fee and 26.99% variable APR.

Features

If you are looking for high rewards or low interest rates, this credit card option might not be the most suitable choice for you. It will suit you if you are new to credit building or are looking for better financial terms in the future. It’s also great for students traveling abroad as it has no foreign transaction fees. If you like the benefits of this card, the good news is that you don’t have to be a student to apply.

Customer Satisfaction

Customers rated these credit cards for students with no credit with 4.1/5. They like the simple flat-rate rewards and bonuses that they receive for paying on time.

American Express Cash Magnet® Card
American Express Cash Magnet® Card
American Express Cash Magnet® Card

Best for Those Looking for a Simple Flat-Rate Cashback Card and Access to Amex Offers

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  • 0% annual fee
  • A simple flat-rate cash back card
  • Has a minimum score for approval

It is a simple cash back card that comes with a welcome offer for new cardholders. It offers competitive bonuses and no annual fee. It’s suitable for clients who want to earn some amount of cash back without putting an effort into it.

Features

You can get additional credit and earn cash back for regular monthly bills such as phone bills. Other extra services are fraud protection and tracking your cashback.

It’s not the best credit card for someone with no credit, as the minimum score required is around 700. But we definitely recommend it to people who already have a good credit score. Also, it offers 0% intro APR in the first 15 months and 13.99% after that.

Customer Satisfaction

It is rated as 4.8/5 and offers 1.5% cashback on all purchases with a $0 annual fee.

Brex Card
Brex Card
Brex Card

Best for Startups

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  • Generous rewards
  • Welcome bonus
  • No annual fees
  • Limited functions
  • Corporate card

The card comes with no annual fees, and no collateral is required, making it one of the best unsecured credit cards for those with no credit. It has a flexible limit that depends on the company’s cash flow.

Features

Some of the rewards earn you points with Uber and Lyft. Every dollar spent in restaurants that goes through the Brex portal will collect extra points. It is possible to redeem rewards with travel booking and airlines such as Emirates, Air France, and JetBlue.

Companies with at least $50,000 in funds or $100,000 cash in the bank can apply for the card.

Customer Satisfaction

This credit card suitable for people with no credit has a score of 3.1/5, according to reviews. This card is an excellent option for startups which is the main reason for its simple and somewhat limited features.

Credit Cards for People With no Credit – Buyer’s Guide

Here are some things you should know before applying for a credit card for the first time, such as card requirements, steps of the application process, and some helpful tips.

Essential Things to Know About Credit Cards

Before applying for a credit card with no credit history, it is crucial to know the terms, benefits, and obligations that come with it. Here are the essential points you should go through before applying for a credit card:

Annual Fee

When it comes to a credit card, a yearly fee is a rate that you’re obliged to pay each year to continue using the credit card and all the rewards and benefits that come with it. These charges are subject to change, depending on the provider. However, high annual fees typically come with valuable services.

Interest Rates

This is a variable or fixed percentage of the total amount you pay for borrowing money. The interest rate of this credit card you can get without credit history may differ, depending on how high the risk is that you might not pay the sum back.

Intro APR

Some credit cards come with an introductory APR for new users that offers a promotional interest rate for a limited period of time. It is lower than the card’s regular APR and is occasionally as low as 0%.

Regular APR

APR is a credit card’s interest rate and is typically stated yearly. You can avoid it if you pay your balance in full each month before the end of a given billing cycle.

Welcome Bonuses

Many credit cards that require no credit come with extras and generous welcome bonuses. These credit cards offer signup bonuses so that you can earn if you fulfill the conditions, such as minimum spending requirements, etc.

Foreign Transaction Fee

The FX fee is a tax on your credit card statement when you purchase an item in any currency other than the USD, or when the bill goes through a foreign bank. It typically ranges from 1% to 3% of the transaction.

Balance Transfer

Some customers use new cards to move their debt from a card with high interest to a new credit card because of its lower interest rate. In other words, one card is used to pay off another without paying much interest.

Rewards and Benefits

Numerous credit cards offer a rewards program, such as cashback, points, or miles when you use their card. It usually works as collecting points that you can redeem later as a gift card, for example.

Terms

Different banks have different terms and requirements, which include their annual fee, annual interest rate, cash advance, grace period, minimum payment, etc. Make sure you understand all the terms you are about to accept when applying for a credit card without a credit score.

Credit Limit

The credit limit depends on your income. If you have high and stable revenues and you have an excellent credit history, you might anticipate a credit limit of up to $10,000 or more.

Minimum Security Deposit

The card issuer requires you to pay a cash security deposit if you opt for a secured credit card. It typically takes $200 or more to open a secured card account, posing less risk to the issuer and making this type of card generally easier to get.

Requirements for Getting a Credit Card

You have to fulfill a couple of requirements if you want to opt for credit cards that require no credit. Various providers may have different requirements. Here are some of the general ones:

  • Age

You must be at least 18 years of age to qualify for the credit card. In some cases, even 21.

  • Income Source

You must have a regular source of income, either as a salaried employee or self-employed.

  • Social Security number or Tax ID Number

You can apply with an Individual Taxpayer Identification Number or ITIN if, for some reason, you’re unable to get a Social Security number. A tax-processing ID number is assigned to individuals by the Internal Revenue Service and can be used for applying for credit cards for people with no credit.

Your immigration status will also play a significant role when it comes to your application process, as any lender will consider it when determining the risk of you not paying back the loan.

How to Apply for a Credit Card?

The best practice is to make a list of steps when deciding to apply for a card. This way, you can prepare all the information required beforehand to make the application process faster. Here are some steps that might help with getting one of these credit cards:

  • Find Out Your Credit Score

Knowing your score will determine whether you have a chance to get approved for the particular credit card or not. Many credit card providers will ask for this information or have a minimum score required to submit your application. Thus, you should know the difference between an excellent, fair credit score and a bad credit score!

  • Research What Credit Cards are Available

Spend some time researching all the options. The more details you know about the product, the more likely it that you will make a good choice. Use every opportunity to learn everything about credit cards for people with no credit history and how they work.

  • Choose the One That Fits Your Circumstances

You may find many options that you like, but not all will suit your needs. It is crucial to know precisely why you need a credit card and what you will use it for.

  • Apply

Once you choose a credit card, submit your application by entering all the necessary information that you’ve collected in advance. This is the best way to make your application easy and quick.

  • Make a Security Deposit

If you have chosen a credit card that requires a deposit, now is the time to make it. In many cases the deposit is refundable. Make sure you check that before you make the payment.

  • Get Your Card

Once you get the credit card for no credit, you can use it right away. Once you’re approved, it usually takes 7 to 10 days to receive the credit card.

How Can Credit Cards Help Improve Your Credit Score?

Once you get a credit card, it’s important not to lose sight of the crucial things for building a good credit score. Make sure you:

  • Pay on time
  • Monitor your progress
  • Don’t close the account

What’s more, you should be aware of what can affect your credit score.

Ways to Build Credit History Without a Credit Card

Credit cards are not the only way to build a good credit score. If you, for whatever reason, decide not to get one of the credit cards for people with no credit, these are the other possibilities for you to build up a good score:

  • Getting Loans (Auto, Student, or Some Other Loan)

If you have a loan, make sure you repay it on time. Paying off a loan is an excellent opportunity to have a better credit score soon. However, if you skip the payments or pay the monthly bills late, you can quickly lose your good score instead of building it.

  • Paying Bills on Time

Settling invoices on time is one of the most effortless ways to gradually build your credit score. So, make sure you pay your bills on time.

  • Become an Authorized User on Someone Else’s Card

Not having your own credit card doesn’t need to stop you from making sound financial steps for the future. If you are an authorized user on a family member’s card, it may help you build a good credit score.

Cards for People With No Credit History at a Glance

Card company Best for Annual fee Intro APR Regular APR
Upgrade Cash Rewards Visa® People with fair credit, looking to build credit $0 N/A 8.99% – 29.99%
First Progress Platinum Prestige Mastercard® Secured Credit Card For fixing bad credit or building credit $49 N/A 12.99%
Capital One Platinum Credit Card Those with average credit looking for an unsecured credit card with no annual fee $0 N/A 26.99%
Secured Mastercard Capital One Building credit $0 N/A 26.99%
QuicksilverOne Cash Rewards Credit Card from Capital One Building credit history $39 N/A 26.99%
First Premier Bank Mastercard Credit Card People with poor credit or no credit $75 – $125 N/A 36%
Self Visa® Credit Card Building credit for people with no credit history $25 N/A 24.74%
OpenSky® Secured Visa® Credit Card People with poor credit $35 N/A 19.64%
Journey Student Rewards from Capital One One of the best credit card for someone with no credit $0 N/A 26.99%
American Express Cash Magnet® Card Those looking for a simple flat-rate cashback card and access to Amex Offers $0 0% 13.99% – 23.99%
Brex Card Startups $95 N/A 15.99% – 20.99%

To Wrap Up

Even if you don’t have a credit score, you can still get a credit card. But you have to be aware that insufficient length of credit history and a low score may limit your options no matter whether you are just starting to build credit or are trying to improve a bad credit score.  However, you don’t need to have an excellent credit score to apply for a credit card with no credit history.

Some of the many benefits of getting unsecured or secured credit cards are that they give you the opportunity to build a good credit record, have a quick source of funds in case of financial emergencies, and they usually come with zero fraud liability.

FAQ

How do I get a credit card with no credit?

There are many credit cards for people with no credit and some require no deposit. Becoming an authorized user on a family member or friend’s credit card is another convenient way to start building your score even if you have no credit history.

What are the no credit history unsecured credit cards?

The unsecured credit cards only for those with no credit are no-deposit credit cards and cards with instant approval. People often go for an unsecured credit card rather than a secured one, primarily because of the lack of deposit in the first case.

How do I get a credit card for the first time?

If you are looking to get a credit card, make sure you understand all the benefits and drawbacks of having one. There are many options on our list of credit cards for people with no credit that you can choose from. All you have to do is apply.