It’s not very hard to get a credit card with no credit if you choose the right card to apply for – one designed for people with limited credit history. These cards often come with low annual fees, even $0, so you can build credit inexpensively, and some cards also offer rewards.
To get a credit card with no credit, you should start by comparing the fees, rewards and interest rates on credit card offers for applicants with no credit history in order to find the right starter card to match your needs. Then, simply submit an application and wait for a decision. But before you do any of that, you may want to confirm that you indeed do not have any credit history. If it turns out you do have some credit history, it could be a good thing as you may qualify for better cards, or it could be a bad thing and force you to get a card with less favorable terms. You can check your credit score for free on WalletHub to be sure.
You can use WalletHub’s comparison tool to compare cards’ fees, interest rates and rewards, if they have any, to find the card that’s best for you.
Read the fine print. It’s a good idea to read over the card’s terms and conditions to make sure you understand any fees that you will be charged or credit card features that are not allowed, like balance transfers or cash advances.
Fill out an application. Filling out a credit card application takes minutes, especially if you fill one out online. All you will need is your name, address, Social Security number or ITIN, and some information about your finances like your income and monthly rent or mortgage payment. Some card issuers may request more information.
Wait for a decision. If you filled out an application online, you may be able to get a decision within minutes. If not, you should hear back in about a week. If approved, you’ll receive your card within 7-10 business days after approval. If you don’t get approved, you may want to consider a secured credit card or becoming an authorized user on someone else’s credit card account.
Getting a credit card is the easy part, actually. Once you have one, you have to put in the work to build your credit by paying your credit card bill on time every month and keeping your credit utilization low. For more tips, check out WalletHub’s guide to building credit.
To apply for a credit card with no credit, begin by comparing starter credit card offers for people with limited or no credit history to find the least expensive, most rewarding option. Then, navigate to the card’s online application page, provide the necessary personal and financial information, and submit the application. It takes minutes to apply, and once you submit your application, it can take anywhere from a few minutes to a few weeks to get a decision.… read full answer
You can see a step-by-step breakdown of how to get a credit card without credit below. Before you get started, though, it’s a good idea to confirm that you do indeed have no credit history. You may have a credit history if you were an authorized user on your parents’ or someone else’s credit card account. An error could also cause you to have a credit history without you realizing. If it turns out you do have credit, it can either help you qualify for a better credit card offer or force you to consider cards for people with bad credit. WalletHub allows you to check your credit score and report for free.
How to Apply for a Credit Card with No Credit
Compare starter credit cards. There are several different starter credit cards for people who have no credit. You can choose a card based on who you are – for example, a student credit card. Or you can get a credit card based on features, such as secured or unsecured credit cards. Secured credit cards require a deposit, while unsecured cards do not. The best cards have a $0 annual fee, rewards and credit limits starting around $200-$300.
Read the fine print. Make sure you understand the terms and conditions for the credit card, such as any fees you could be charged or any transactions that are not allowed, like balance transfers or cash advances. You should also review the terms and conditions of your card’s rewards program if it has one.
Fill out an application. You will need personal information such as your name, address, and Social Security number or Individual Taxpayer Identification Number. The credit card application will also ask you about your finances, including your income and monthly rent or mortgage payment. Most card issuers will request bank account information as well. It typically takes only a few minutes to fill out the application.
Wait for a decision. If you apply online, you may get an approval decision within minutes. In any case, you should find out within 10-14 business days. If you don’t get approved, aim for a card with lower approval standards, such as a secured credit card.
Yes, you can get approved for a credit card with no credit history, as long as you are at least 18 years old and you have enough income to afford monthly bill payments. Credit cards you can get approved for with no credit experience include student credit cards, secured credit cards, and select unsecured credit cards.… read full answer
Best Credit Cards You Can Get With No Credit History
The best way to get approved for a credit card with no credit history is to compare offers for cards designed for people with no credit or bad credit, then apply for the best deal online. You should get a decision nearly instantly, and you’ll likely get your card within 7 to 10 days if you’re approved.
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