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.

Capital One® Cash Rewards for Newcomers

A card designed to help those new to the U.S. establish credit and earn cash back
Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
Get 2% cash back on travel purchases
Earn 1% cash back on all other purchases
No foreign transaction fees
No annual fee

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	24.9% (V)	$0

Capital One® Platinum Credit Card

Click "APPLY NOW" to apply online or call 866-781-9766
$0 intro annual fee for the first year; $19 after that
Image Card - personalize your card with an image of your choice
$0 Fraud Liability if your card is lost or stolen
Monitor your spending with text message alerts

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	24.9% (V)	$0 intro for first year; $19 after that

Capital One® Classic Platinum Credit Card

Click "APPLY NOW" to apply online or call 866-781-9766
0% intro APR on purchases until March 2014
$0 Fraud Liability if your card is lost or stolen
Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection
Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	until March 2014	N/A	N/A	19.8% (V)	$39

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

Prepaid Visa® Classic RushCard

Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
Choose from multiple fee plan options, and switch for free.
Transfer money to another RushCard member for just $0.99.
No overdraft fees.
Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
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

Capital One® Secured MasterCard®

Click "APPLY NOW" to apply online or call 866-927-5834
Build credit with responsible use with no processing or application fees
Regular reporting to the 3 major credit bureaus
Monitor credit with access to a credit score and other tools
Your security deposit can get you a line up to $3,000
You may qualify for a credit line increase based on your payment history and creditworthiness
Use it like any MasterCard credit card, accepted at millions of locations worldwide

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	22.9% (V)	$29

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

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

American Express® Serve

Get American Express Serve and you could get $50 when you use Direct Deposit. Must enroll in Direct Deposit by 8/31/13.*
No credit check. No minimum balance. No activation fee.
Manage your money with the prepaid card, online account, and mobile app.
Shop online or off and get access to membership benefits like Purchase Protection.*
Enroll in Direct Deposit to get your paycheck in your American Express Serve Account on payday.
No need to use a check. Email money to anyone no matter where they have a bank account.
The safety and security of American Express.
The 24/7 customer service you expect from American Express.
*Terms, conditions and exclusions apply.

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	N/A

First Progress Platinum Prestige 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	11.99% (Variable)	$44

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