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Best Credit Cards for People with No Credit in 2022
WalletHub makes it easy to find the best credit card for no credit.
Credit cards for no credit offer high approval odds to people with limited credit history, even total newcomers with no borrowing experience. The best credit cards for people with no credit can also help you save money, thanks to $0 annual fees and even rewards in many cases. Plus, all major no-credit credit cards will make everyday spending safer and more convenient,… show more… show more
4 Best Credit Cards for No Credit (August 2022)
CREDIT CARDS FOR NO CREDIT
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Capital One Platinum Credit Card Capital One Platinum Credit Card

- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- Fairly high regular APR
- No reduced introductory rates
PCB Secured Visa® Credit Card PCB Secured Visa® Credit Card
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card

- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card

- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Secured Sable ONE Credit Card Secured Sable ONE Credit Card

- No membership fees
- High rewards rate
- Low regular APR
- Qualify with limited or no credit history
- No rewards bonus
- Foreign fee
- Requires security deposit
Discover it® Secured Credit Card Discover it® Secured Credit Card
- 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
Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card

- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Average regular APR for a limited-credit card
FIT Mastercard® FIT Mastercard®

- Qualify with limited or no credit history
- Does not require security deposit
- One-time fees
- No rewards
- No rewards bonus
- No intro APR on purchases
Reflex Mastercard® Reflex Mastercard®

- Qualify with limited or no credit history
- Does not require security deposit
- No rewards
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Citi® Secured Mastercard® Citi® Secured Mastercard®

- Relatively low minimum deposit
- No annual fee
- Expensive financing
- 3% foreign-transaction fee
- No rewards
Best Credit Cards for No Credit History of 2022

Capital One Platinum Credit Card
The Capital One Platinum Credit Card is the best overall 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.
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 $100 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.
Secured Sable ONE Credit Card
The Secured Sable ONE Credit Card is the best credit card with no credit check.
Why We Like It: There’s no hard inquiry into your credit history when you apply, no annual fee, and a very low deposit requirement. The Sable Credit Card also offers good rewards, giving 1 - 2% cash back on purchases.
What We Don’t Like: Like other secured cards, the Sable Credit Card 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 Sable Credit Card if you want high approval odds despite having no credit and you don’t want to settle when it comes to card terms.
Alternatives to Consider: There are a handful of other credit cards with no credit check, but none are quite as attractive.
Best Credit Cards For People With No Credit History
Credit Card | Best For | Annual Fee |
Capital One Platinum Credit Card | No Annual Fee | $0 |
Petal® 2 Visa® Credit Card | Cash Back | $0 |
Capital One Quicksilver Student Cash Rewards Credit Card | Students with No Credit | $0 |
Secured Sable ONE Credit Card | No Credit Check | $0 |
Closing Thoughts
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.
Methodology for Picking the Best Credit Cards for 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.
Why People Trust WalletHub
Unlike other sites that only recommend cards from their advertising partners, WalletHub editors focus on finding the best cards.
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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Assistant Professor, St. Francis College
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Ph.D., Professor of Finance – The University of Tennessee at Martin
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Ph.D., Associate Professor of Economics, Northern Virginia Community College
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Assistant Chair, Department of Economics – Boston College
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Ph.D., FP&A, Assistant Teaching Professor, Finance, College of Business and Economic Development, University of Southern Mississippi
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Ph.D., Past President & Justin G. Longenecker Fellow, United States Association for Small Business & Entrepreneurship, Associate Editor, Journal of Small Business Management, Professor of Entrepreneurship, Jack C. Massey College of Business, Belmont University
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