The best Capital One credit card for no credit is the Capital One Platinum card because it has a $0 annual fee and does not require a security deposit to open the account. The minimum starting credit limit is $300. This is also the case with Capital One’s two other cards for people with no credit: QuicksilverOne and the Journey student card.
If you want a card with rewards and don’t mind paying an annual fee, the QuicksilverOne Cash Rewards card offers 1.5% cash back on all purchases. The annual fee is $39. If you’re a student with no credit, the Journey Student Rewards card comes with a $0 annual fee and 1%-1.25% cash back on purchases.
All three of these cards will allow you to establish a credit history and build a good credit score over time. But you have to pay the bills on time and keep your spending in check. Another good reason to do that is being considered for a credit limit increase in as little as 6 months.
The Capital One Secured Mastercard is ideal for no credit, yet some people assume it’s only for bad credit. It has a $0 annual fee, and it offers the easiest approval of any Capital One card. This is because of the required security deposit, which acts as collateral. The initial credit limit is at least $200. But the minimum deposit can be $49, $99 or $200, depending on creditworthiness. The deposit is fully refundable when you close the account in good standing.
In addition, you can keep tabs on your credit standing by signing up for a free account with WalletHub, which is the first and only website to offer free credit scores and full credit reports that are updated on a daily basis: https://wallethub.com/free-credit-score/. Best of luck!
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.
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.… read full answer
Here are some of the easiest department store credit cards to get:
Target REDcard: For people with fair credit or better. 5% off at Target and Target.com. Returns extended by 30 days. Free shipping. Yearly 10% off coupon. No annual fee.
Walmart Store Card: For people with fair credit or better. $35 off a $75+ purchase the same day you get approved. 3% Walmart.com discount, 2% Murphy USA and Walmart gas discount, 1% Walmart in-store discount. No annual fee.
Kohl’s Credit Card: For people with fair credit or better. 30% off your fist purchase. 15% off coupon by mail. At least 12 special offers per year. Spending $600 makes you a Kohl’s Most Valued Customer and entitles you to 18 discounts per year. No annual fee.
JCPenney Credit Card: For people with fair credit or better. 1 point per dollar on qualifying purchases. Save 5%-15% on select items. $10 rewards by email. Prepaid card by mail worth $100-$500 when you buy 2 or more appliances starting at $398. No annual fee.
Fingerhut Credit Account: For people with bad credit or better. Easiest store card to be approved for. No rewards. No annual fee.
Amazon.com Store Card: For people with fair credit or better. 5% off at Amazon.com if you have a Prime account. $10 gift card after approval. No annual fee.
There are plenty of other department store cards with great deals too. For example, Lord & Taylor, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.
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