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 in… show moreexpensively 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 … show moreof both worlds. 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

4,550 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

2,449 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
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
See More Details & Reviews About TheDiscover it® Secured

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Capital One® Secured Mastercard®

7,901 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

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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
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®

818 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

The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
Use your card anywhere Mastercard® is accepted — worldwide.
A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
Get help staying on track with Auto Pay and account alerts.
With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
Manage your account 24/7 online, by phone, or in our mobile app.
See More Details & Reviews About TheCiti® Secured Mastercard®

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Deserve® Classic Mastercard

58 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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25.24% (V)

Annual Fee

Rewards Rate

None

Minimum Credit

Limited History

Apply Now

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Additional Info

A credit card for those who are new-to-credit, or just starting out
For individuals looking to build a credit history
Credit limits up to $1,500
$0 annual fee & no foreign transaction fees
Helps individuals build a 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

36 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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20.99% (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

A college credit card for all students - both from the US and visiting from abroad. (For international students, an SSN is not required to apply)
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
Helps students build a 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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First Command Bank Classic Visa® Card

75 Reviews

first command bank classic visa 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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14.5% (V)

Annual Fee

None

Rewards Rate

1 point / $1

Rewards Bonus

None

Minimum Credit

Limited History

Rewards Details

Free ScoreCard rewards program earns points redeemable for air travel, hotels, vacation packages, cruises, rental cars and merchandise.

Additional Info

Minimum credit limit of $200.
Travel and emergency assistance, Vehicle rental insurance, Warranty manager service.
Emergency cash disbursement and card replacement.
First Command Bank is currently accepting new account applications only from existing clients of First Command Bank or First Command Financial Services.
See More Details & Reviews About TheFirst Command Bank Classic Visa® Card

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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.

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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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@caroline_robbins

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