Top-Rated Credit Cards for People With No Credit in 2021

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 the best credit cards for those with no credit.

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1. Upgrade Visa® Card with Cash Rewards

The Upgrade Visa® Card with Cash Rewards 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

  • No annual fee
  • No international transaction fee
  • Balance transfers not allowed
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The Upgrade Visa® Card with Cash Rewards 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. 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

  • Quick application
  • No credit check required
  • No bank account required
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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

3. 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

4. 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

5. 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

6. 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

7. 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

8. 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

9. First Progress Platinum Select Mastercard® Secured Credit Card

The First Progress Platinum Select Mastercard® Secured Credit Card 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 Select Mastercard® Secured Credit Card 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

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.

Upgrade Visa® Card with Cash Rewards
Upgrade Visa® Card with Cash Rewards

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

The score is 4.5/5, and 85% of customers recommend it. This is sometimes considered a great option to build credit with, and it comes with an APR range of 8.99%-29.99% and a 0% annual fee.

There is a possibility to earn a 1.5% cashback on your payments. While there are no welcome bonuses, you get access to a concierge that can help you with travel planning, entertainment tickets, reservations, etc. There is 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.

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

Best For People with poor credit

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  • No bank account required
  • Quick application
  • No credit check required
  • High APR

It has a 4.6/5 score, with a $35 annual fee and 17.39% regular APR. It is an excellent option for people with poor or no credit history, which makes it the best and most popular credit card for those willing to build credit.

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.

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.

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.

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.

  • 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 a 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.

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

What makes this credit card unique is that it is partially secured, with a credit line that exceeds the deposited money.

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

It comes with an unlimited 1.5% cash back 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.

The possibility to add authorized users and its 24/7 customer service are just a couple of the card’s many benefits. It has a score of 4.6/5 based on 10,067 reviews. 94% of reviewers recommend the QuicksilverOne Rewards Card as a great option for those with no credit history. 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.

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

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.

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. 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.

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

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

Best For 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 popular credit cards for students who do not have credit history. There is a 0% annual fee and 26.99% variable APR. It comes with simple flat-rate rewards and bonuses for paying on time. Customers rated it 4.1/5.

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.

  • Quick and complete online application
  • Refundable deposit
  • Widely accepted
  • Not available for residents of Arkansas, Iowa, New York, or Wisconsin

It comes with an annual fee of $39, and the APR is 13.99%. You need to be a US resident and have a qualifying bank account to apply.

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.

As one of the credit cards that don’t require credit, 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.

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 rated as 4.8/5 and offers 1.5% cashback on all purchases with a $0 annual fee. It is a simple cash-back card that comes with a welcome offer for new cardholders. It offers 0% intro APR in the first 15 months and 13.99% after that.

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

It’s not suitable for those with no credit history, as the minimum score required is around 700. But we recommend this card to people who already have a good credit score.

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. It has a flexible limit that depends on the company’s cash flow.

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. It 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.

Best Credit Cards for Those 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 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 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 that don’t require 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.
  • 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

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 – An Overview 

Card company Best for Annual fee Intro APR Regular APR
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%
Upgrade Visa® Card with Cash Rewards People with fair credit, looking to build credit $0 N/A 8.99% – 29.99%
OpenSky® Secured Visa® Credit Card People with poor credit $35 N/A 17.39%
Journey Student Rewards from Capital One For those new to credit, without credit history $0 N/A 26.99%
First Progress Platinum Select Mastercard® Secured Credit Card For fixing bad credit or building credit $39 N/A 13.99%
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. Depending on your situation and financial goals, you can choose one of the many products and services to suit your needs.

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 best credit cards for those with no credit that you can choose from. All you have to do is apply.