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 paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 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

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 in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *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 months10.99%6 months12.99%-21.99% Variable*$0Fair 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

PayPal™ Prepaid MasterCard®
PayPal™ Prepaid MasterCard®

PayPal™ Prepaid MasterCard®

 

  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • 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 Progress Platinum Select MasterCard® Secured Credit Card
First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select 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/A14.99% (Variable)$39Bad Credit

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

 
     

     
 
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