Credit Cards for People with No Credit

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.

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

1. Check for a credit report/score to confirm you really have no credit.
2. See if your school email still works, as student credit cards are the best available to beginners.
3. Compare starter credit cards to find the lowest fees and highest approval odds.
4. Apply online and get a decision within days, if not instantly.
5. 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 approval harder. 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.

The best unsecured credit card for no credit is the Capital One Platinum Card because it has a $0 annual fee, a $0 foreign fee, and a $300 minimum credit line. 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.

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, plus 1% back on everything else. On top of that, Discover matches all the cash back you earn during your first year. And they give you $20 for every year you earn a 3.0 or higher GPA.

Here are the best unsecured credit cards for no credit:

• Best for no annual fee: Capital One Platinum. $0 annual fee. $0 foreign transaction fee. 26.96% (V) regular APR.
• Best for cash back: Capital One QuicksilverOne. $39 annual fee. $0 foreign transaction fee. 1.5% cash back on all purchases. 26.96% (V) regular APR.
• Best for business: Capital One Spark Classic for Business. Capital One QuicksilverOne. $0 annual fee. $0 foreign transaction fee. 1% cash back on all purchases. 25.24% (V) regular APR.
• 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% APR for 6 months on purchases. 15.24% - 24.24% (V) regular APR.
• Best for student travel: Bank of America Travel Rewards 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 per $1 spent at the BofA Travel Center and 1.5 on all other purchases. 10% points bonus when you have a BofA checking or savings account. 0% APR for 12 months on purchases. 17.24% - 25.24% (V) regular APR.
• Easiest approval: Credit One Bank Platinum Visa for Rebuilding Credit. $0-$99 annual fee, depending on creditworthiness. 3% foreign transaction fee. 1% cash back on all purchases. 20.24% - 26.24% (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.

The best secured credit card for no credit is the Discover it Secured 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 Card also offers 1% to 5% cash back on purchases and doubles the rewards you’ve earned after the 1^st year. Discover it Secured requires a refundable security deposit of $200 or more, for a credit limit equal to the deposit amount.

Another good secured credit card for no credit is Capital One Secured. The Capital One Secured 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 Capital One Secured 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. $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: Capital One Secured. $0 annual fee. $200 minimum deposit, $3,000 maximum. Eligible for possible credit limit increase with no additional deposit after 5 months. Can graduate to different unsecured card (no set timeframe), but cannot get deposit back without closing Capital One Secured account.
• Best for business: Wells Fargo Business Secured. $25 annual fee. $500 minimum deposit, $25,000 maximum. 1.5% cash back on all purchases. No pre-set timeframe for deposit return.
• Highest personal credit line: Wells Fargo Secured. $25 annual fee. $300 minimum deposit, $10,000 maximum. No pre-set timeframe for deposit return.
• Easiest approval: OpenSky Secured Visa. $35 annual fee. $200 minimum deposit, $3,000 maximum. No credit check when you apply. Eligible for possible deposit return once you reach a credit score of 699.

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.

Insufficient credit history means that you don’t have enough experience as a borrower for a lender to approve you for a credit card or loan. Without a sufficient amount of information in your credit report, a financial institution cannot predict how you will handle borrowed money as accurately. So it’s common to see the term “insufficient credit history” on a letter of denial from a lender. But it may come up other times, too, like when you’re apartment hunting. Renters with insufficient credit history are more likely to be asked for money upfront.

Having insufficient credit history doesn’t mean you’ve done anything bad. It just means you’re inexperienced. And that won’t keep you from borrowing, building credit, finding an apartment, etc. You just have to choose wisely. For example, there’s an entire class of credit cards for people with limited or no credit. And using such a card responsibly will help you build a strong track record as a borrower, making insufficient credit concerns a thing of the past.

Here’s what insufficient credit history means and how to fix it:

• Insufficient credit history is a term that lenders use to tell you that there is not enough information in your credit report to approve you for a loan or credit card.
• If you have insufficient credit history, it might mean that you have less than 3 years of recent credit experience, a track record of credit mistakes, or just not enough experience with different types of borrowing.
• Insufficient credit history is something you can start to change in as little as a month. One way to start is to become an authorized user on someone else’s credit card. Or, you can apply for one of the many credit cards for people with limited or bad credit.
• There are plenty of credit cards for people with insufficient credit history, including secured cards (easiest to get, thanks to a required security deposit) and unsecured credit cards designed for applicants with limited or no credit history. As long as you have some form of income, you should be able to get a card.
• You can ask your local bank or credit union if they offer credit-builder loans. This is involves the financial institution depositing a small sum of money in your savings account, which you then repay over an agreed-upon number of months. The lender reports your payment history to the credit bureaus each month. And you get access to the savings account afterward.

You don’t need to feel too stressed about having insufficient credit history. But you should also strive to start building credit as soon as possible. Getting a credit card, making small purchases each month, and always paying your bill (in full) by the due date will set you firmly on the credit-building path.

You can check your latest credit score for free, and track its progress over time, on WalletHub.

The only American Express card for people with no credit used to be the USAA Secured American Express card, but you can’t apply for it anymore. They stopped accepting new applications in 2018. Now, there are no American Express credit cards for no credit.

I was thinking about applying for the USAA Secured Amex because my brother-in-law had it. But even if it wasn’t discontinued, I still wouldn’t be able to get it because you have to be in the military or have an immediate family member who is. I’m not too disappointed though. This isn’t really a true Amex card anyway.