WalletHub, Financial Company
@WalletHub
The best credit card for no credit and no bank account is Capital One QuicksilverOne Cash Rewards Credit Card. This card offers 1.5 - 5% cash back on purchases and has a $39 annual fee (see details, rates & fees).
At the moment, there is one more credit card that allows you to apply with no credit and no bank account, opensky® Plus Secured Visa® Credit Card. This secured card has a $0 annual fee and requires a security deposit of at least $300 for opening. The opensky Plus Credit Card is a great choice for those who want to build credit without a credit inquiry slowing them down. Keep in mind that after you get approved, you’ll have to find a way to make your credit card payments.
How to Pay Your Credit Card Without a Bank Account
- Cash (if your credit card company also has a local bank branch)
- Money Order
- Online Bill Pay (typically an option with checking accounts, but more and more prepaid cards are offering this feature as well)
- Money Transfer (e.g. Western Union)
For more tips, you can read our guide on how to build credit. You can also track your credit score’s progress, for free on WalletHub.
2025's Best Credit Cards for People with No Credit
2025's Best Credit Cards for People with No Credit
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Students with No Credit
ga82859716, Member
@ga82859716
A prepaid visa or MasterCard or American express
John Burton, Member
@johnfsburton
Capital One Quick SilverOne is the best card.
lovelessp3, Member
@lovelessp3
Capital One QuicksilverOne, Cash Rewards credit card or Capital One Platinum credit card.
People also ask
What are the best credit cards for no credit with no deposit?
The best credit card for no credit with no deposit is the Petal® 2 Visa® Credit Card because it gives 1 - 1.5% cash back spent on purchases and has a $0 annual fee. Petal also reports account information to the major credit bureaus on a monthly basis, which gives cardholders the opportunity to build credit.
Another great option is the Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees). This card offers 1.5 - 5% cash back, depending on the type of purchase. The Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees) also reports monthly to the major credit bureaus, but it comes...
read full answer by Lisa Cahill, Credit Cards ModeratorWhat's the easiest credit card to get with no credit?
The opensky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit. With no credit check required, approval is nearly guaranteed if you're at least 18 years old and you can afford the $300+ refundable security deposit, along with the monthly bill payments. This card also offers rewards on select purchases and has a $0 annual fee.
Easiest Credit Cards to Get with No Credit
One of the easiest unsecured credit cards to get with no credit or limited credit history is the Petal® 2 Visa® Credit Card. It has a $0 annual fee, doesn't require a security deposit, and rewards you with 1 - 1.5% cash back on purchases. Keep in mind that...
read full answer by Maria Adams, Credit Cards ModeratorCan I apply for a credit card even if I dont have credit?
Yes, you can apply for a credit card even if you don’t have credit. There are many credit cards designed specifically for people who have no credit history, including both secured credit cards and unsecured cards for no credit.
While you don’t need credit to get a credit card, you will need some sort of an income, as well as a bank account in most cases. In addition, you will need to be at least 18 years old and have a Social...
read full answer by John S Kiernan, Managing EditorDid we answer your question?
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