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.

 
     

     
 
Capital One® QuicksilverOne® Cash Rewards Credit Card
Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® 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
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until August 2015; 22.9% variable APR after that
  • 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
  • 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
0%
until August 2015N/AN/A22.9% (V)$39Fair Credit

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 a $0 intro 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
  • Pay by check, online, or at a local branch, all with no fee—and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • 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/A24.9% (V)$0 intro for first year; $19 after thatFair Credit

Capital One® Classic Platinum Credit Card
Capital One® Classic Platinum Credit Card

Capital One® Classic Platinum Credit Card

 

  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Get the credit you need with a competitive rate
  • 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
  • Pay by check, online, or at a local branch, all with no fee—and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • 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/A20.9% (V)$39Fair Credit

ACE Elite™ Visa® Prepaid Card
ACE Elite™ Visa<sup>®</sup> Prepaid Card

ACE Elite™ Visa<sup>®</sup> 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<sup>®</sup> Prepaid Card

Pink ACE Elite™ Visa<sup>®</sup> 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
  • Unlike a prepaid card, it builds credit when used responsibly
  • Regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness—no additional deposit required
  • It's a credit card—accepted at millions of locations worldwide
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • 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/A22.9% (V)$29Bad Credit

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

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

 

  • Get your government benefits up to two days early with Direct Deposit. *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.
  • Easy Online Bill Pay - pay bills, rent, or write personal checks.
  • Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC
  • Transfer money to another RushCard member for just $0.99.
  • Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/AVariable Monthly FeesNo Credit Needed

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

Discover it® chrome for Students with $20 Cashback Bonus

 

  • Get a $20 Cashback Bonus®* when you make your first purchase within 3 months of approval.
  • 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 other purchases.
  • 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 your monthly statements 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.
  • *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

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

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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