Credit Card Guide
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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 our partner banks and credit card companies for people with limited or no credit history.

The following credit cards from our partners may 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.

 
     

     
 
NetSpend® Visa® Prepaid Card
NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card

 

  • Get Paid up to 2 days faster with direct deposit — payroll and government benefits
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$9.95 monthly feeNo Credit Check

Discover it® for Students
Discover it® for Students

Discover it® for Students

 

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service. Looks out for you-since each Discover purchase is monitored.
  • If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 monthsSee TermsSee Terms12.99%-21.99% Variable*$0Fair Credit

PayPal™ Prepaid MasterCard®
PayPal™ Prepaid MasterCard®

PayPal™ Prepaid MasterCard®

 

  • 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!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$4.95 monthly feeNo Credit Check

First National Bank Secured Visa Card
First National Bank Secured Visa Card

First National Bank Secured Visa Card

 

  • Your stepping stone to credit that can grow with you.
  • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
  • How you use your card will reflect on your credit rating with the three major credit bureaus.
  • There is no charge for receiving your FICO® 8 Bankcard Score.
  • You could qualify for additional unsecured credit — without sending an additional deposit — in as few as 7 months.
  • As soon as 11 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
  • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A20.99% (Variable)$29N/A

Discover it® for Students with $20 Cashback Bonus
Discover it® for Students with $20 Cashback Bonus

Discover it® for Students with $20 Cashback Bonus

 

  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases automatically.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/ASee TermsSee Terms12.99%-21.99% Variable*$0Fair Credit

FuelIt+ Card
FuelIt+ Card

FuelIt+ Card

 

  • Get Credit Where You Want It-No Credit Check
  • Immediate credit to purchase GAS (and other things) at over 850 stations near you!
  • Credit when and where you need it! Poor and limited credit history accepted.
  • Available credit lines can grow up to $1500.00 with on time payments.
  • Cash advances available when you are running a little short!*
  • Positive payment history is reported to credit agencies monthly and could improve your credit options in the future.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/AN/ABad Credit

Horizon Gold Card
Horizon Gold Card

Horizon Gold Card

 

  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0.00%
N/AN/AN/A0% (Fixed)$24.95 benefits plan membership will be auto-debited monthlyBad Credit

AccountNow® Prepaid MasterCard®
AccountNow® Prepaid MasterCard®

AccountNow® Prepaid MasterCard®

 

  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 monthly feeNo Credit Check

UNITY® Visa Secured Credit Card - The Comeback Card™
UNITY® Visa Secured Credit Card - The Comeback Card™

UNITY® Visa Secured Credit Card - The Comeback Card™

 

  • A secured credit card designed to help rebuild your credit
  • Reports to all 3 major credit bureaus
  • Low, fixed (Not variable) interest rate of 17.99%
  • Your security deposit can get you Min. $250/Max. $10,000 credit limit
  • Manage your account online
  • No application fee or penalty rate
  • Credit line secured by fully-refundable FDIC insured deposit submitted with application
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A9.95%6 months17.99% (Fixed)$39Bad Credit

First Progress Platinum Elite MasterCard® Secured Credit Card
First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card

 

  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A19.99% (Variable)$29Bad Credit

 
     

     
 
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