Maria Adams, Credit Cards Moderator
@m_adams
The opensky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit history. There's no credit check when you apply, giving you almost guaranteed approval as long as you're at least 18 years old and you can afford the $300+ refundable security deposit, along with the monthly bill payments.
Easiest Credit Cards to Get with No Credit
| Category | WalletHub's Recommendation |
| Best for No Credit Check | opensky® Plus Secured Visa® Credit Card |
| Best Secured Card | Capital One Quicksilver Secured Cash Rewards Credit Card |
| Best for Students | Capital One Savor Student Cash Rewards Credit Card |
| Best for Cash Rewards | Petal® 2 Visa® Credit Card |
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.
At the end of the day, there are a number of good starter credit cards and credit cards for people with no credit that have lenient approval requirements. These offers can help you start building a strong credit score when used responsibly. Just remember that easy approval does not mean guaranteed approval.
You can check out our editors’ complete picks for the easiest credit cards to get approved for, to weigh all your options.
Easiest Credit Cards to Get
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Easiest to Get
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Easiest Unsecured Card to Get
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Easy No Annual Fee to Get
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Rewards
Stella Murphy, Member
@stella_m_dsg
I agree that a secured card is the EASIEST, but a student credit card or an unsecured starter card should still be plenty easy to get and should provide better terms. Don’t sell yourself short!!!
Alexander Howard, Member
@alexh_finance
A secured card is going to be easiest. Discover’s has the best rewards. But you might be able to get a decent unsecured card, like Petal.
People also ask
What are the best store credit cards for no credit?
The best store credit card for no credit is the Montgomery Ward Credit Account because it is easy to get with no credit or even bad credit, and it has a $0 annual fee. The card doesn’t charge one-time fees or monthly fees, either. Just keep in mind that you can only use it to make purchases from Montgomery Ward.
Most store credit cards require fair credit or better for approval. But there are, however, a number of co-branded...
read full answer by Maria Adams, Credit Cards ModeratorWhat are the best credit cards for no credit with instant approval?
The Petal® 2 Visa® Credit Card is the best credit card for no credit with instant approval. You could get approved right away if you apply online and clearly meet the approval requirements, and you can earn 1 - 1.5% cash back on all eligible purchases without paying an annual fee.
Best Credit Cards for No Credit with Instant Approval
Ongoing Rewards: 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time
Purchase Intro APR: Not Offered
Annual Fee: $0
Credit Score: Limited History
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Purchase Intro APR: Not Offered
Annual Fee: $39
Credit Score: Limited History
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases
Annual Fee: $0
Credit Score: Bad
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Bad
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Bad
Key Things to Know About Getting a Credit Card with No Credit
With no prior credit history, approval will...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the best instant approval credit card with no credit check?
The opensky® Plus Secured Visa® Credit Card is the best instant approval credit card with no credit check because there's no annual fee and it gives an instant decision to most applicants. This card also gives you up to 10% cash back on everyday purchases.
Best Instant Approval Cards With No Credit Check
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If you get one of these credit cards and keep your account in good standing, you can improve your credit score and you’ll eventually be able to...
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