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
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.
Yes, there are credit cards for no credit that offer instant approval, if you apply online and clearly meet the approval requirements. But it is also worth noting that no credit card approves applicants instantly 100% of the time.
Some applications always require a closer, longer look. Some people will be instantly rejected, too. That’s likely to be the case for people with bad credit who apply for credit cards for no credit. And with that said, let’s look at some of the … read full answerbest credit cards for people with no credit, which you could get instantly approved for (but may not).
Here are credit cards for no credit that may have instant approval:
Capital One Platinum Credit Card. This card doesn’t offer rewards, but it also has a $0 annual fee. It’s a great card to build credit, and you can get access to a higher credit line if you pay on time for 6 months.
Capital One Platinum Secured Credit Card. This card doesn’t offer rewards, but it comes with a $0 annual fee. Once approved, your credit line will be equal to your security deposit (minimum of $49, $99 or $200).
OpenSky® Secured Visa® Credit Card. This card doesn’t even run a credit check, so its approval odds are very high. You just need to place a security deposit of at least $200 that will serve as your credit line. There’s a $35 annual fee.
Since you don’t have any credit history yet, your approval is going to hinge more on whether you can afford to make purchases and pay them off. In other words, your income is going to be a large factor, so doing anything you can to boost that will help. You’ll also want to make sure you have all other necessary details in order. For example, you’ll probably need a U.S. mailing address, SSN or ITIN, and U.S. bank account for payments.
While you could get instantly approved for any of these no-credit credit cards, it’s also possible that the issuer could take more time, even up to a month, to make a final decision. Again, no card can guarantee instant approval 100% of the time. If you want to increase your approval chances by having a positive credit history, you could always become an authorized user on someone else’s card and make some purchases with it.
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