The easiest credit card to get with no credit is the OpenSky Secured 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 OpenSky Credit Card has a $35 annual fee.
The easiest unsecured credit card to get with no credit is the Capital One Platinum Credit Card. The major upsides to this credit card are its $0 annual fee and its minimum credit limit of $300, which Capital One may increase after your first 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.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
There are credit cards for bad credit with no deposit and instant approval. But it’s not quite as simple as it sounds. Credit cards for bad credit with no deposit are unsecured cards. There are lots of them. And there’s the possibility of instant approval with any card you can apply for online. But it’s never guaranteed. Instant approval tends to happen when your credit and income are better than the card’s requirements. You’ll also need to make sure all your personal information is correct. The company needs to verify it to instantly approve you.… read full answer
The best credit cards for bad credit with no deposit and instant approval are the Credit One Bank Platinum Visa and the NASCAR Credit Card from Credit One. The Platinum Visa card offers a credit line of at least $300 and charges $0-99 in fees per year. The NASCAR Credit Card also gives you a $300+ spending limit and charges $0-99 per year. Both are available to people with poor credit and let you apply online, and both give you at least 1% cash back on all purchases.
There are some other contenders, too. They include the Milestone Mastercard and the Indigo Mastercard for Less than Perfect credit. Neither of these cards give rewards, but they also won’t charge one-time fees, which certain unsecured cards for bad credit do.
Best credit cards for bad credit with no deposit and instant approval:
Credit One Bank Platinum Visa for Rebuilding Credit: 1% cash back on eligible purchases. $0-$99 annual fee, depending on your credit. Minimum credit limit of $300.
NASCAR Credit Card from Credit One Bank: 2% cash back at NASCAR.com, 1% cash back on other eligible purchases. $0-$99 annual fee, depending on your credit. Minimum credit limit of $300.
Milestone Mastercard: No rewards. $35-$99 annual fee, depending on your credit. Minimum credit limit of $300.
Indigo Mastercard for Less than Perfect Credit: No rewards. $0-$99 annual fee, depending on your credit. Minimum credit limit of $300.
First Access Visa: No rewards. $89 one-time fee. $75 annual fee first year, $48 after. Minimum credit limit of $300.
Total VISA Credit Card: No rewards. $89 one-time fee. $75 annual fee first year, $48 after. Minimum credit limit of $300.
As you can see, several cards come with a one-time fee. Most cards call this a “processing fee” and make you pay it before you can use your account. It’s basically like an extra annual fee for just the first year.
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