The best store credit card for no credit is the Fingerhut Credit Account because it has easy approval and a $0 annual fee. There are no one-time fees or monthly fees, either. But even though the Fingerhut Credit Account is an inexpensive store credit card for people with no credit or bad credit, there are limitations. You can only use it to make Fingerhut purchases. And while Fingerhut is as an online retailer that sells a wide range of products similar to what you’d find in a department store, it doesn’t have everything. You’ll also want to pay your balance in full every month because there’s a super high APR.
Most store credit cards require fair credit or better for approval. There are, however, a number of co-branded cards for no credit. They’re affiliated with a particular store or company but can be used anywhere.
Here are the best store credit cards for no credit:
Fingerhut Credit Account: $0annual fee. No monthly or one-time fees. Reports to all three major credit bureaus. Can only be used at Fingerhut.
Montgomery Ward Credit Account: $0 annual fee. Although it only works for Montgomery Ward purchases online or through the company’s catalogue, the Montgomery Ward credit card reports to the credit bureaus on a monthly basis.
The best secured credit card for no credit is the Discover it® Secured Credit Card card because it has a $0 annual fee and a 0% foreign transaction fee, and offers the chance to graduate to an unsecured card after at least 8 months of on-time payments. The Discover it® Secured Credit Card card also offers 1 - 2% cash back on purchases and doubles the rewards you’ve earned after the 1st year. Discover it® Secured Credit Card requires a refundable security deposit of $200 or more, for a credit limit equal to the deposit amount.… read full answer
Another good secured credit card for no credit is the Secured Mastercard® from Capital One. This card guarantees you a $200 credit limit, in return for a deposit of $49, $99 or $200, depending on your creditworthiness. This makes the card “partially secured,” as your credit limit would equal your deposit on almost all other secured cards. So, the Secured Mastercard® from Capital One is best if you want a chance for a low deposit.
Here are the best secured credit cards for no credit:
Best rewards:Discover it® Secured Credit Card. $0 annual fee. $200 minimum deposit, $2,500 maximum. 2% cash back on up to $1,000 spent at gas stations and restaurants each quarter. 1% back on everything else. Eligible for possible deposit return after 8 months (approval not guaranteed).
Best for low deposit:Secured Mastercard® from Capital One. $0 annual fee. $49, $99 or $200 minimum deposit, $1,000 maximum. Can graduate to different unsecured card (no set timeframe), but cannot get deposit back without closing the credit card’s account.
In general, secured credit cards offer high approval odds to people with limited or no credit. They’re designed for rebuilding credit, after all, and even people with bad credit scores can get approved. But even the best secured credit cards should only be a backup plan for people with no credit.There are also unsecured credit cards for no credit with no deposit required. Student credit cards are the best deals, with $0 annual fees and more than 1% back on purchases. But other people with limited credit should be able to find a good offer, too. So, you might want to try for an unsecured card for no credit first and then settle for a secured card if you don’t get approved.
The best unsecured credit card for no credit is the Capital One Platinum Credit Card because it has a $0 annual fee and a $0 foreign fee. Capital One Platinum does not have rewards, but no annual fee is more important when you’re first starting out with credit. If you’re willing to pay for better perks, consider the Capital One QuicksilverOne Card, which has a $39 annual fee and gives 1.5% cash back on all purchases.… read full answer
If you’re in college, you can get a student credit card. Student cards are unsecured credit cards for no credit that are available only to college students. They tend to give better terms than non-student unsecured credit cards for no credit because issuers predict college graduates will have larger incomes. One of the best options is Discover it® Student chrome. It gives 2% cash back on the first $1,000 you spend each quarter at gas stations and restaurants combined, plus 1% on everything else. On top of that, Discover matches all the cash back you earn during your first year. And they give you a $20 statement credit for every year you earn a 3.0 or higher GPA, for up to 5 years.
Best for student cash back: Discover it® Student chrome. $0 annual fee. 0% foreign transaction fee. 2% cash back on the first $1,000 at gas stations and restaurants per quarter. 1% cash back on all other purchases. First year’s cash back matched. 0% intro APR for 6 months on purchases. 12.99% - 21.99% Variable APR after that.
Best for student travel: Bank of America® Travel Rewards Credit Card for Students. $0 annual fee. 0% foreign transaction fee. 25,000 bonus points when you spend $1,000 in the first 90 days. 3 points / $1 at the BofA Travel Center and 1.5 points / $1 on all other purchases. 0% APR for 12 months on purchases. 14.99% - 22.99% (V) regular APR.
Easiest approval: Credit One Bank® Visa® Credit Card. $0 - $99 annual fee, depending on creditworthiness. 3% foreign transaction fee. 1% cash back on eligible purchases. 17.99% - 23.99% (V) regular APR.
It’s pretty easy to qualify for unsecured credit cards for no credit, provided that you have a steady income. But if you want the absolute highest chances of approval, you may want to consider secured cards. They help you build credit just as well as unsecured cards, but you have to put down a security deposit to open them.
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.
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