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.

 
     

     
 
JourneySM Student Rewards from Capital One®
Journey<sup>SM</sup> Student Rewards from Capital One®

Journey<sup>SM</sup> Student Rewards from Capital One®

 

  • Earn 1% cash back on every purchase
  • For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly payment due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A19.8% (V)$0Average*

Discover it® chrome for Students
Discover it® chrome for Students

Discover it® chrome 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*.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months—then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won't go up if you pay late*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.-based customer service-anytime, day and night.
  • *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

Carbon Prepaid Visa® RushCard
Carbon Prepaid Visa<sup>®</sup> RushCard

Carbon Prepaid Visa<sup>®</sup> RushCard

 

  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
  • Transfer money to another RushCard member for just $0.99.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance - free of charge.
  • Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
  • Free 24/7 customer service.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/AVariable Monthly FeesNo Credit Needed

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 for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when 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.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 monthsSee TermsSee Terms12.99%-21.99% Variable*$0Fair Credit

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*.
  • 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 for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when 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*.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/ASee 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

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)
  • 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

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 is 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

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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