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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 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

To apply online click the "Apply Now" button or call 1-866-582-0808
$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 free text message alerts
See Rates and Disclosures

Intro Purchase APR N/A*	Intro Balance Trans. APR N/A*	APR 24.9% (V)*	Annual Fee $0 intro for first year; $19 after that*

Capital One® No Hassle Cash^SM Rewards Credit Card

To apply online click the “Apply Now” button or call 1-866-582-0808
2% cash back on gas and groceries
1% cash back on all other purchases
Get up to 15% more cash back when you shop online at select merchants through Perk Central
No limit on the cash you can earn and cash won't expire
Redeem cash rewards any time for any amount, even set up automatic redemption
0% intro APR on purchases until November 2012
Pick an image for your card—choose the one shown here, any of the hundreds in our collection or add your own
See Rates and Disclosures

Intro Purchase APR 0% until November 2012*	Intro Balance Trans. APR N/A*	APR 17.9% - 22.9% (V)*	Annual Fee $39*

Capital One® Classic Platinum Credit Card

To apply online click the “Apply Now” button or call 1-866-582-0808
0% intro APR on all purchases until November 2012
$0 Fraud Liability if your card is lost or stolen
Enjoy Platinum 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
See Rates and Disclosures

Intro Purchase APR 0% until November 2012*	Intro Balance Trans. APR N/A*	APR 17.9% - 22.9% (V)*	Annual Fee $39*

Pink ACE Elite(TM) Visa® Prepaid Card

As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
No credit check, No application fee, No obligation*
Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*

Intro Purchase APR None	Intro Balance Trans. APR None	APR None	Annual Fee See App.

Walmart MoneyCard^SM MasterCard® Prepaid Card

No issuance fee online
No credit check or bank account required
No overdraft fees
No minimum balance required
Free Direct Deposit
$10 bonus with qualifying Direct Deposit (for a limited time only)
Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs

Intro Purchase APR None	Intro Balance Trans. APR None	APR None	Annual Fee See App.

Capital One® Secured Mastercard®

To apply online click the “Apply Now” button or call 1-866-927-5834
Get the credit you need with no processing fees or application fees
Automatic reporting to the 3 major credit bureaus
Track credit with access to your credit score and other tools
Your refundable security deposit can get you a line up to $3000
You may qualify for credit line increases with no further security deposit required
Use it like any MasterCard credit card, accepted at millions of locations worldwide

Intro Purchase APR N/A*	Intro Balance Trans. APR N/A*	APR 22.9% (V)*	Annual Fee $29*

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 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

Intro Purchase APR N/A*	Intro Balance Trans. APR N/A*	APR 24.9% (V)*	Annual Fee $0*

mPower™ Visa® Prepaid Card

100% Guaranteed Approval* - No Credit Checks
$25 Cash Bonus, Free Activation & $0 Monthly when you use Free Direct Deposit
Quick and Safe Access to your Money
Easy Online Bill Pay

Intro Purchase APR None	Intro Balance Trans. APR None	APR None	Annual Fee See App.

BuyRIGHT Prepaid MasterCard®

Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
Free Direct Deposit, Online bill pay, Earn rewards.
No credit check, 100% approved*
No bounced check fees or overdraft fees - ever!
Travel, rent cars, reserve hotels, shop online safely.
Unbelievable customer service.

Intro Purchase APR None	Intro Balance Trans. APR None	APR None	Annual Fee $7.95 per Month

Green Dot® Gold Prepaid Visa® Card

$0 Activation Online –with no credit check
Access over 18,000 MoneyPass ® ATMs
Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
No Monthly fee for any month with at least 30 purchases
No Transaction fees on US purchases
No overdraft fees
No Minimum balance required

Intro Purchase APR None	Intro Balance Trans. APR None	APR as low as None	Annual Fee See App.

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Credit Cards for People with Limited or No Credit History