No Annual Fee Credit Cards for No Credit

Listed below you’ll find no annual fee credit cards targeted to people with no or limited credit (some of the offers are issued by WalletHub advertising partners). These cards allow you to build credit as inexpensively as possible, which should be your main personal finance priority at this juncture in your life. We recommend these cards over low interest credit cards for limited credit because it is important to get used to paying your bill in full every month, which ensures that you will not be assessed any finance charges. What’s more, no annual fee credit cards are preferable to no credit rewards cards, given that the rewards offered to people with limited credit history are sometimes less valuable than the annual fees that accompany them. It goes without saying that if you can find a no annual fee card with rewards, by all means opt for the best of both worlds.… show more show less

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No Credit or Limited History

No Annual Fee

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Showing 1 – 7 of 7

Capital One® Platinum Credit Card

4,510 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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26.96% (V)

Annual Fee

Rewards Rate

None

Minimum Credit

Limited History

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Additional Info

Pay no annual fee
Get access to a higher credit line after making your first 5 monthly payments on time
Fraud coverage if your card is lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Get access to your account 24 hours a day, 7 days a week
Help strengthen your credit for the future with responsible card use
See More Details & Reviews About TheCapital One® Platinum Credit Card

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Discover it® Secured

2,336 Reviews

Rates & Fees

Secured Credit Card

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Min Deposit of $200

One-Time Fees

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None

Regular APR

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25.24% (V)

Annual Fee

Monthly Fee

None

Rewards Rate

1 - 2% Cash Back

Minimum Credit

Limited History

Apply Now

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Rewards Details

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
We automatically match all the cash back you've earned at the end of your first year.

Additional Info

No Annual Fee, earn cash back, and build your credit with responsible use.
It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
See More Details & Reviews About TheDiscover it® Secured

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Capital One® Secured Mastercard®

7,845 Reviews

Secured Credit Card

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Min Deposit of $49, $99 or $200

One-Time Fees

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None

Regular APR

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26.99% (V)

Annual Fee

Monthly Fee

None

Minimum Credit

Limited History

Apply Now

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Additional Info

No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It's a credit card accepted at millions of locations worldwide
See More Details & Reviews About TheCapital One® Secured Mastercard®

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Citi® Secured Mastercard®

794 Reviews

Secured Credit Card

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Min Deposit of $200

One-Time Fees

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None

Regular APR

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24.74%* (V)

Annual Fee

Monthly Fee

None

Minimum Credit

Limited History

Apply Now

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Additional Info

No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
A security deposit is required for this product (minimum $200)
Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
Use the card anywhere Mastercard® is accepted — worldwide
See More Details & Reviews About TheCiti® Secured Mastercard®

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Deserve® Classic Mastercard

34 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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24.99% (V)

Annual Fee

Rewards Rate

None

Minimum Credit

Limited History

Apply Now

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Additional Info

Not a secured card
Available to individuals establishing credit - Domestic & International
Credit limits up to $1,500
$0 annual fee & no foreign transaction fees
No security deposit or co-signer required
Helps individuals build credit history and gain financial independence
Use anywhere in the world where Mastercard is accepted
Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
Complimentary cellphone insurance up to $600
See More Details & Reviews About TheDeserve® Classic Mastercard

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Deserve® Edu Mastercard for Students

18 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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20.74% (V)

Annual Fee

Rewards Rate

1% Cash Back

Rewards Bonus

None

Minimum Credit

Limited History

Apply Now

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Rewards Details

1% unlimited cash back on all purchases

Additional Info

No SSN required for International students Available to students (enrollment verification is required)
Amazon Prime Student Membership (get reimbursed for subscription fees up to a lifetime total of $59)
Credit limits up to $5,000
$0 annual fee & no foreign transaction fees
No security deposit or co-signer required
Helps students build credit history and gain financial independence
Use anywhere in the world where Mastercard is accepted
Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
Complimentary cellphone insurance up to $600
See More Details & Reviews About TheDeserve® Edu Mastercard for Students

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Altra Credit Union Non-rewards Credit Card

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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10.9% - 14.9% (V)

Annual Fee

None

Rewards Rate

None

Minimum Credit

Limited History

Additional Info

Free travel & vehicle rental insurance waiver; roadside assistance; extended warranty coverage; emergency cash & card replacement
Apple Pay, Android Pay & Samsung Pay
Free Falcon Fraud Protection and $0 Liability protection backed by Visa.
See More Details & Reviews About TheAltra Credit Union Non-rewards Credit Card

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NO FOREIGN FEE

Last Updated On: May 24, 2018

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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

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Comparing No Annual Fee Credit Cards for No Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share...show moreshow less

@caroline_robbins

October 18, 2017

I am trying to rebuild my failing credit. I am looking for a card to help me to build up to build my business.

@WalletHub

January 4, 2018

You should take a look at our editors’ picks for best unsecured credit cards for bad credit, or better yet, you should consider placing a security deposit on a secured business credit card. Secured credit cards are a much cheaper alternative, as they charge lower fees and interest while providing the same credit building benefits unsecured cards do. The security deposit acts as collateral and doubles as your credit limit, and it will be refunded to you when you close your account. You can find some additional tips on how to rebuild your credit and monitor your credit score’s development for free right here on WalletHub!

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No Annual Fee Credit Cards for No Credit

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