Credit Card Guide
Follow Us  twitter facebook You Tube Google+
 

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® Platinum Credit Card
Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

 

  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Start with no annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account—even from your smartphone with our mobile app
  • Pick the monthly payment due date that works best for you
  • Pay however you want—by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A24.9% (V)$0 intro for first year; $19 after thatFair Credit

Capital One® QuicksilverOneSM Cash Rewards Credit Card
  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until January 2015N/AN/A22.9% (V)$39Fair Credit

Capital One® Classic Platinum Credit Card
  • Click "APPLY NOW" to apply online or call 866-582-0808
  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account—even from your smartphone with our mobile app
  • Pick the monthly payment due date that works best for you
  • Pay however you want—by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until January 2015N/AN/A22.9% (V)$39Fair Credit

ACE Elite™ Visa® Prepaid Card
ACE Elite™ Visa® Prepaid Card

ACE Elite™ Visa® Prepaid Card

 

  • Enroll in direct deposit today - receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Transfer money to another ACE Elite cardholder with no fee.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Earn cash back on your everyday purchases through Payback rewards - get Special Offers and account credits when you use them.*
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 monthly feeNo Credit Check

Pink ACE Elite™ Visa® Prepaid Card
Pink ACE Elite™ Visa® Prepaid Card

Pink ACE Elite™ Visa® Prepaid Card

 

  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
  • Enroll in direct deposit today — receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Always know your balance— by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards — get special offers and account credits when you use them.*
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 monthly feeNo Credit Check

Capital One® Secured MasterCard®
Capital One® Secured MasterCard®

Capital One® Secured MasterCard®

 

  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker
  • 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
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A22.9% (V)$29Bad Credit

Account Now Gold Visa® Prepaid Card
Account Now Gold Visa® Prepaid Card

Account Now Gold Visa® Prepaid Card

 

  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/Aup to $9.95 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 — paychecks and government benefit checks
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone.
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$9.95 monthly feeNo Credit Check

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

Carbon Prepaid Visa® RushCard
Carbon Prepaid Visa® RushCard

Carbon Prepaid Visa® 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

 
     

     
 
Page 1 Page 2
 
     

 
  View Related Stories

Secured Credit Cards Vs. Prepaid: Which is Best? - There are two main types of cards available for people with poor credit or no credit history: secured credit cards and prepaid cards. Both have advantages and drawbacks

Got Bad Credit? How to Find a Fair Deal - If you have bad credit, don't just jump on the first offer you see, say experts. Subprime card offers can vary widely and so it pays to do your research before you apply

ALL CREDIT CARD HELP & ADVICE ARCHIVES >>

 
     

 
Secure SSL Technology
Secure SSL
Technology
 
Twitter Facebook You Tube Google+
About Us Privacy Policy Editorial Team Terms of Use
Contact Us California Privacy Rights Media Relations Site Map

Close X