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Best No Annual Fee Credit Cards for No Credit
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Citi® Secured Mastercard® Citi® Secured Mastercard®
Secured Card
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Min Deposit of $200
One-Time Fees
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$0
Regular APR
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23.24% (V)
Pros
- Relatively low minimum deposit
- No annual fee
Cons
- Expensive financing
- 3% foreign-transaction fee
- No rewards
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.
- The standard variable APR for Citi Flex Plan is 23.24%. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Secured Mastercard®
Capital One Platinum Credit Card Capital One Platinum 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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26.99% (V)
Pros
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
Cons
- No rewards
- Fairly high regular APR
- No reduced introductory rates
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- See More Details & Reviews About TheCapital One Platinum Credit Card
Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card
Secured Card
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Min Deposit of $49, $99 or $200
One-Time Fees
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$0
Regular APR
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26.99% (V)
Pros
- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
Cons
- No rewards
- Higher-than-average interest rate
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with our mobile app
- See More Details & Reviews About TheCapital One Platinum Secured Credit Card
Petal® 2 Visa® Credit Card Petal® 2 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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13.24% - 27.24% (V)
Rewards Details
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Additional Info
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 13.24% - 27.24%
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 2 Visa® Credit Card
Secured Sable ONE Credit Card Secured Sable ONE Credit Card
Secured Card
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Min Deposit of $10
One-Time Fees
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$0
Regular APR
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10.99% Variable
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Bad
Rewards Details
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
Pros
- No membership fees
- High rewards rate
- Low regular APR
- Qualify with limited or no credit history
Cons
- No rewards bonus
- Foreign fee
- Requires security deposit
Additional Info
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
- Please see terms and conditions for additional details.
- See More Details & Reviews About TheSecured Sable ONE Credit Card
Discover it® Secured Credit Card Discover it® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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$0
Regular APR
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23.24% Variable
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Bad
Rewards Details
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Pros
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
Cons
- High regular APR
Additional Info
- No credit score required to apply.*
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® Secured Credit Card
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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$0
Regular APR
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26.99% (V)
Annual Fee
$0
Monthly Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Minimum Credit
Bad
Rewards Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Pros
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
Cons
- High interest rate
Additional Info
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- See More Details & Reviews About TheCapital One Quicksilver Secured Cash Rewards Credit Card
Deserve® EDU Mastercard for Students Deserve® EDU Mastercard for Students
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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19.49% Variable
Rewards Details
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
Pros
- Amazon Prime Student Membership
- 1% Cash Back
- No Annual or Foreign Fees
- No SSN Required
Cons
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Additional Info
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
- See More Details & Reviews About TheDeserve® EDU Mastercard for Students
Petal® 1 Visa® Credit Card Petal® 1 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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20.24% - 29.74% (V)
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Additional Info
- $0 Annual Fee
- Variable APRs range from 20.24% - 29.74%
- $300 - $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 1 Visa® Credit Card
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Questions & Answers
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Featured Credit Cards
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