Adam McCann, Financial Writer
@adam_mcan
The best first-time credit card for people with no credit history is the Petal® 2 Visa® Credit Card because it has a $0 annual fee and offers 1 - 1.5% cash back on purchases. It also reports to the credit bureaus on a monthly basis, which will help you build credit if you use the account responsibly. Plus, it is an unsecured card, so it does not require you to put down a security deposit.
There are a few other worthwhile first-time credit cards for people with no credit, too. You can check them out below.
Best First-Time Credit Cards for No Credit History
You can learn more about the best first credit cards and the best credit cards for people with no credit on WalletHub.
Popular First Credit Cards from Our Partners
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Students
Sofia MM, Member
@sofia_mor
Try Capital One’s pre-approval tool. Even without credit, they sometimes approve you for a small limit (300 - 500).
Aaron Sanders, Member
@asanders_tech
Cap 1: Platinum if you won’t spend much and QuicksilverOne if you will.
Stella Murphy, Member
@stella_m_dsg
Discover it® Secured - Rewards + no fee = the obvious choice.
Capital One Platinum - Bare minimum, but better than nothing.
Authorized user - If mom/dad will add you, skip the beginner cards entirely.
People also ask
Is no credit better than bad credit?
Yes. No credit is better than bad credit because it is easier to turn no credit into good credit. With no credit, you will also have better credit card options, and it won’t cost you as much overall. Bad credit will make it much harder and more expensive to get a mortgage, auto loan, personal loan or credit card. It could also complicate finding a job or place to live.
You can see where,...
read full answer by WalletHub, Financial CompanyCan 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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