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Best Credit Cards for People with No Credit
WalletHub experts track 1,500+ offers to help you get the right credit card for no credit
Credit cards for no credit are credit cards that offer high approval odds to people with limited credit history, even total newcomers with no borrowing experience. The best credit cards for no credit can also help you save money, thanks to ... show more
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4 Best Credit Cards for No Credit (June 2023)
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- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- High regular APR
- No reduced introductory rates

- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR

- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate

- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- High regular APR
- Foreign fee

- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards bonus
- No balance transfers allowed

- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards
- High regular APR

- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Above-average regular APR

- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee

- No membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- Requires security deposit
WalletHub's Research
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Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best credit card for no credit.
Our picks for the best credit cards for no credit in 2023

Capital One Platinum Credit Card
The Capital One Platinum Credit Card is the overall best credit card for people with no credit.
Why We Like It: Capital One Platinum is a great starter card because it has a $0 annual fee, does not require a security deposit, and offers high approval odds to applicants with no credit or limited credit history.
What We Don’t Like: The only downside is that Capital One Platinum does not offer rewards, but low fees are usually preferable for newcomers, anyway.
Who Should Get It: Apply for the Capital One Platinum Card if you’re new to credit and want a simple, low-cost way to build credit.
Alternatives to Consider: If you’re a college student, you may qualify for a student credit card with a $0 annual fee and good rewards.
Petal® 2 Visa® Credit Card
The Petal® 2 Visa® Credit Card is the best credit card for people with no credit who want to earn cash back rewards.
Why We Like It: The Petal® 2 Visa® Credit Card has a $0 annual fee and rewards cardholders with 1 - 1.5% cash back on eligible purchases. Paying this card’s bill on time each month not only helps you build credit, but it will also push your rewards rate to the top of the card’s range.
What We Don’t Like: This card has a fairly high APR, and it takes a while to earn the highest rewards rate.
Who Should Get It: Consider applying for the Petal® 2 Visa® Credit Card if you have limited or no credit history and plan to pay the bill in full every month.
Alternatives to Consider: If you’re a big-spender, you might save more money at the end of the day with the Capital One QuicksilverOne Cash Rewards Credit Card.
OpenSky® Secured Visa® Credit Card
The OpenSky® Secured Visa® Credit Card is one of the best credit cards with no credit check.
Why We Like It: There’s no hard inquiry into your credit history when you apply. Plus, the deposit requirement is fairly low, and account information gets reported to all three major credit bureaus each month.
What We Don’t Like: There is a $35 annual fee. In addition, like other secured cards, the OpenSky is not good for carrying a balance from month to month. It’s best if you pay in full monthly.
Who Should Get It: Apply for the OpenSky if you want high approval odds despite having no credit.
Alternatives to Consider: There are a handful of other credit cards with no credit check.
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Student Card is one of the best credit cards for students with no credit.
Why We Like It: Capital One Quicksilver Student Card is inexpensive, rewarding and easy to use. It has a $0 annual fee and a $0 foreign transaction fee, and it does not require a security deposit. Cardholders also earn unlimited 1.5% cash back on all purchases and an initial bonus of $50 for spending $100 in the first 3 months.
What We Don’t Like: If you don’t pay the bill in full every month, interest charges will cost you a bundle.
Who Should Get It: Consider applying for the Capital One Quicksilver Student Cash Rewards Credit Card if you are a college student with no credit.
Alternatives to Consider: Compare the rest of the best student credit cards to find the best combination of rewards, interest rates and fees for your lifestyle.
For your convenience, we'll recap our picks below
WalletHub's Picks for the Best Credit Cards for No Credit
- Capital One Platinum Credit Card: Winner
- Capital One Quicksilver Student Cash Rewards Credit Card: Students with No Credit
- Petal® 2 Visa® Credit Card: Cash Back
- OpenSky® Secured Visa® Credit Card: No Credit Check
How we picked the best credit cards for people with no credit
To find the best credit cards for people with no credit, WalletHub’s editors regularly compare more than 1,500 credit card offers based on their minimum credit score and other approval requirements, as well as their rewards, fees, interest rates and special benefits. This enables us to maintain an up-to-date list of the best credit cards for people with limited credit in each major usage category, from rewards cards to cards with no annual fee. Some credit card offers are from WalletHub partners, but advertiser status does not affect the editors’ picks in any way. Selections are made solely based on expected cardholder savings.
Other key things to know about credit cards for people with no credit
Definitely make sure to check out the best student credit cards if you’re currently in college. They tend to have better terms than other credit cards for people with limited credit.
Getting a credit card with no credit is an essential step toward a solid first credit score and, ultimately, reaching excellent credit. You just have to make sure to use your card responsibly. Above all else, that means paying your bill on time every month. For help with that, make sure to check out WalletHub’s 8 Tips For Never Missing A Due Date.
For more tips that will help you get started on the right foot, read our instructions for how to get a card with no credit as well as our new to credit guide.
The competition
There are lots of really good credit cards for people with no credit offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
Info | ![]() Discover it® Secured Credit Card | ![]() Capital One SavorOne Student Cash Rewards Credit Card | ![]() Petal® 1 Visa® Credit Card |
---|---|---|---|
Annual Fee | $0 | $0 | $0 |
Bonus Offer | N/A | $50 | N/A |
Rewards Rate | 1 - 2% Cash Back | 1 - 5% Cash Back | N/A |
Purchase Intro APR | N/A | N/A | N/A |
Transfer Intro APR | 10.99% for 6 months Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* | N/A | N/A |
Regular APR | 27.99% Variable | 19.74% - 29.74% (V) | 24.74% - 34.24% (V) |
Editors' Rating | 5 | 4.7 | 4 |
Details, Rates & Fees | Learn More Rates & Fees | Learn More | Learn More |
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit cards for people with no credit for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Credit Cards for People with No Credit FAQ
Comparing credit cards for no credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
Expert Opinions
Getting credit when you have none to begin with might seem like a chicken-or-egg conundrum, but it’s actually not that complicated. There are many credit cards designed for people with limited or no credit, and the credit-improvement process is pretty straightforward. You just need to know where to look and what pitfalls to avoid. With that in mind, we posed the following questions to a pair of personal finance experts in search of insights that can help you start your credit career on the right foot. You can check out their bios and responses below.
- Is it important for people with no credit to get a credit card?
- Why are some people with no credit hesitant to apply for a credit card?
- If you have no credit, is it better to be an authorized user before getting your own credit card?
- What tips do you have for someone filling out a credit card application for the first time?
- Is it better to work with a bank or a credit union when you have no credit?
- Why do credit card companies check your credit if you have none?
Associate Professor of Economics, St. Lawrence University
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Professor of Finance, General Edwin Cox ’20 Institute Professor of History and Economics, Virginia Military Institute
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Adjunct Lecturer, Baruch College, Department of Economics and Finance, The City University of New York
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Associate Professor, University of Pittsburgh at Bradford
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Ph.D., Associate Professor of Finance, College of Business Administration, Savannah State University
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Assistant Professor, Rhode Island College, School of Social Work
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† 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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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