Credit Cards for People with Limited or No Credit History

Having trouble getting a card because you have limited or no credit history? Below are credit cards from banks and credit card companies for people with limited or no credit history.

The following credit cards may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

There are fees associated with these credit cards and prepaid cards in addition to the annual fee. Please read the terms and conditions for each card when applying.

Prepaid Visa® Baby Phat RushCard

Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
Easy Online Bill Pay - pay bills, rent, or write personal checks.
Free 24/7 customer service.
Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	Variable Monthly Fees

PayPower™ Visa® Prepaid Card

$0 activation fee when you signup online!
Earn $20 with free direct deposit of your employer paychecks on to your PayPower card
Earn $30 when you direct deposit your government benefits checks on to your PayPower card
Refer a friend and earn $20 when they sign up
No Credit Check, Overdraft Fees, Minimum balances or existing bank account required
Use everywhere Visa debit cards are accepted, including online and at ATM's
Safe and secure alternative to cash and funds are protected by the Visa Zero Liability policy
Free online bill pay, customer service, and card to card transactions

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	Up to $5.95 Monthly

First Progress Platinum Elite MasterCard® Secured Credit Card

Nationwide Program - though not yet available in NY, IA, AR, or WI
Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
Just Pay Off Your Balance and Get Your Deposit Back at Any Time
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
No Credit History or Minimum Credit Score Required for Approval
24/7 Access to Your Account Online
New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	19.99% (Variable)	$29

Discover it® for Students

The new Discover it card is out to change the way people think about credit cards.
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous...5% cash back in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible...Choose your own due date and pay up to midnight ET online or by phone.
Human...talk to a real person any time with 100% U.S.-based service.
Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	6 months	See Terms	See Terms	12.99%-18.99% V	$0

Prepaid Visa® Black Diamond RushCard

Get your government benefits up to two days early with Direct Deposit. *Certain restrictions apply. See card site for details.
Easy Online Bill Pay - pay bills, rent, or write personal checks.
Safer than carrying cash, use everywhere Visa debit cards are accepted.
No overdraft fees.
Conveniently send and receive money to and from family and friends with card to card transfers.
Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	Variable Monthly Fees

PayPal™ Prepaid MasterCard®

Real-time mobile alerts notify you of transactions and balances.
Free direct deposit - get your paycheck and government benefits up to 2 days faster.
Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard®!
No credit check, overdraft fees or interest charges.
Get cash back rewards.
Safer than carrying cash - use it to pay for everyday purchases.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	$4.95 monthly fee

MAGIC Prepaid Mastercard®

Receive a $10 Bonus Credit* when you enroll in Direct Deposit.
Add money for free with Direct Deposit
Get cash for free by choosing cash back at retail stores
Manage your account for free online and with automated alerts
No Credit Check or Bank Account Required

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	$0

The Secured Visa® from Merrick Bank

Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
No Processing or application fees.
You determine your credit line - up to $3,000
Easy funding options - We have several convenient options to easily submit your security deposits
Worldwide acceptance - Use it anywhere Visa is accepted.
Easy application - Click "Apply Now" to apply online today!

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	17.45% (Variable)	$36

BuyRight Prepaid MasterCard®

Get access to your money up to 2 days faster* with Free Direct Deposit
New - Choose your card design at no cost
Guaranteed Rewards - Earn when you spend for Prepaid Cell Minutes, iTunes, RedBox, Starbucks and More**
Online Billpay - pay bills, rent, or write personal checks
No credit check, No bounced check fees, No overdraft fees - Ever!
Travel in style - Rent cars, reserve hotels, shop online safely.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	$7.95 monthly fee

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