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® Cash Rewards

50% bonus on the cash back you earn every year
1% cash back on all purchases
Earn unlimited cash back that doesn’t expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases until March 2014

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

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

First Progress Platinum Select 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	14.99% (Variable)	$39

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

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

American Express® Serve

Free sign up and no credit check
No monthly or annual fees
Get the prepaid card and mobile app
Send and receive money by email and text
American Express safety and security
Link a bank account, debit or credit card; add money with MoneyPak® and use at ATMs*
Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access
*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

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

Discover it® for Students with $20 Cashback Bonus

The new Discover it card is out to change the way people think about credit cards.
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous…5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
Flexible…Choose your own due date and pay up to midnight ET online or by phone.
Human…talk to a real person any time with 100% U.S.-based service.
Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 18.99%.
*Click apply for Terms & Conditions.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	See Terms	See Terms	12.99%- 18.99% V	$0

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