No, you cannot get a card from American Express with no credit. The only American Express card for people with no credit used to be the USAA® Secured American Express® Card, but you can’t apply for it anymore. They stopped accepting new applications in 2018. Now, there are no American Express credit cards for no credit.
I was thinking about applying for the USAA® Secured American Express® Card because my brother-in-law had it. But even if it wasn’t discontinued, I still wouldn’t be able to get it because you have to be in the military or have an immediate family member who is. I’m not too disappointed though. This isn’t really a true Amex card anyway.
The easiest credit card to get with no credit is the OpenSky® Secured Visa® Credit Card because there’s no credit check when you apply. As long as you’re 18 or older, can afford at least a $200 deposit, and can make monthly bill payments, you’ll probably get approved. With secured credit cards, your limit is usually the amount of your initial deposit. The … read full answerOpenSky® Secured Visa® Credit Card has a $35 annual fee.
The easiest unsecured credit card to get with limited is the Capital One Platinum Credit Card. The major upsides to this credit card are its $0 annual fee and its possibility of a credit line increase after only 6 months. However, the regular APR is a steep one at 26.99% (V), so it’s best not to carry a balance on this card.
The bottom line is there’s a number of good starter credit cards and credit cards for people with no credit that easily can help you start building a great credit score. You just have to use the one you pick responsibly.
To get a credit card with no credit, apply online for a starter credit card, student credit card or other type of credit card for people with limited credit history. By choosing a card designed for people with no credit, newcomers who are at least 18 years old with enough income to afford monthly bill payments will have good approval odds. You don’t need credit history to get credit. But you do need to demonstrate the ability to repay future balances.… read full answer
It’s actually easier than you might think to get a credit card with no credit. You just need to follow a few simple steps. We’ll tee them up below and then explain each in more detail.
How to Get a Credit Card with No Credit History
Check for a credit report/score to confirm you really have no credit
See if your school email still works, as student credit cards are the best available to beginners
Compare starter credit cards to find the lowest fees and highest approval odds
Apply online and get a decision within days, if not instantly
Activate your starter credit card
So, if you want to get a credit card without credit history, start by making sure you really have no credit, then compare credit card offers, select the best one for your needs and submit an application. You could have a new card in your hands within 7-10 business days of applying.
But let’s not get ahead of ourselves. Let’s go through the steps involved in getting a credit card for the first time with no credit history in greater detail.
Step 1: Confirm you have no credit. You might have credit history without even realizing it. This could have come from being an authorized user on a parent’s credit card account. Or, it could be some sort of a mistake. And it could either put you in line for a better starter credit card or make it harder to get approved. You can check your credit report and score for free on WalletHub.
Step 2: See if your school email still works. College students typically get much better credit cards than other people with no credit. So if you have an active “.edu” email address, it will be an asset in your credit card search.
Step 3: Compare starter credit cards. You have to comparison shop if you want to find the best credit card deal. Your top priority should be getting a card with no annual fee whose other terms complement your spending and payment habits nicely.
Step 4: Submit your application. Actually applying for a credit card is the simplest part of the process. Just click “Apply Now” when you find your favorite offer, and we’ll redirect you to the issuer’s secure online application page. Applying online is the fastest application method. You could even be approved instantly.
Step 5: Activate your new credit card (or place a deposit on a secured card). If you don’t get approved the first time you apply for a starter credit card, place a refundable deposit on a secured credit card. Secured cards have the highest approval odds because your deposit usually matches your spending limit.
It’s simple to get a credit card with no credit. But once you open a credit card account, make sure to use it responsibly. Above all else, that means paying your bill on time every month and keeping your credit utilization as low as possible. That will ensure your credit score starts strong and stays headed in the right direction. You can track your progress for free on WalletHub, the first and only site with free daily credit score updates.
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