Credit Cards for People with No Credit
WalletHub makes it easy to find the best credit card for people with no credit.
Best Credit Cards for No Credit
- Discover it® Secured Credit Card - No Credit or Bad Credit
- Capital One QuicksilverOne Cash Rewards Credit Card - No Deposit
- OpenSky® Secured Visa® Credit Card - No Credit Check
- Capital One Platinum Credit Card - No Annual Fee
- Petal® 2 Visa® Credit Card - Cash Back
- Deserve® EDU Mastercard for Students - Immigrants & International Students
- Journey Student Rewards from Capital One - Students with No Credit
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Capital One Platinum Credit Card Capital One Platinum Credit Card

- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your 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
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
- See More Details & Reviews About TheCapital One Platinum Credit Card
Secured Mastercard® from Capital One Secured Mastercard® from Capital One

- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- See More Details & Reviews About TheSecured Mastercard® from Capital One
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card

- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- 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
Discover it® Secured Credit Card Discover it® Secured Credit Card
- 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.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- 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 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.
- 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.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- 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 Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card

- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheCapital One QuicksilverOne Cash Rewards Credit Card
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Jasper Cash Back Mastercard Jasper Cash Back Mastercard

- $100 signup bonus! Apply by May 31, 2021 using promo code JASPEROFFER to receive a $100 statement credit upon first eligible purchase, if approved. Terms apply.
- *Up to 6% cash back by referring friends!
- Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
- Cash back not limited to certain categories, earn on almost all everyday purchases
- Receive cash back automatically every month as a statement credit after three on time payments
- Earn cash back as long as your account is in good standing
- Your cash back maximum varies based on your credit limit.
- No annual fee, no security deposit, no foreign transaction fees
- Simple, intuitive app to manage your account
- Unique auto payment options that help you build and maintain your credit score
- See Jasper's terms and fees.
- Issued by WebBank, Member FDIC
- The Regular Purchase APR and Cash Advance APR will vary based on your creditworthiness at the time of application. After that, your APRs will vary based on the Prime Rate.
- See More Details & Reviews About TheJasper Cash Back Mastercard
First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card

- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
OakStone Gold Secured Mastercard® OakStone Gold Secured Mastercard®

- Credit lines available from $200 to $5,000! Low 13.99% variable interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional OakStone Gold Secured Mastercard® details
- See More Details & Reviews About TheOakStone Gold Secured Mastercard®
Deserve® EDU Mastercard for Students Deserve® EDU Mastercard for Students

- 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!
- 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
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Best Credit Cards for No Credit

Capital One Platinum Credit Card
The best credit card for no credit is the Capital One Platinum Credit Card. Capital One Platinum is a great starter card because it has a $0 annual fee and does not require a security deposit. People with no credit or limited credit history also have good approval odds for the Capital One Platinum Card because it was built for them. The only downside is that Capital One Platinum does not offer rewards, but low fees are usually preferable for newcomers, anyway.
Capital One QuicksilverOne Cash Rewards Credit Card
The best rewards card for people with no credit is the Capital One QuicksilverOne Cash Rewards Credit Card. It gives 1.5% cash back on all purchases – more than most cash rewards cards, regardless of credit standing. The tradeoff is that QuicksilverOne charges a $39 annual fee. But if you charge at least $2,600 per year to the card, you will earn enough in rewards to cancel out the cost of the fee. Just make sure to pay your balance by the due date every month to avoid interest.
Discover it® Secured Credit Card
The best secured credit card for people with no credit is Discover it® Secured Credit Card. It is a rare secured credit card with a $0 annual fee and rewards. Cardholders earn 2% cash back on up to $1,000 spent at gas stations and restaurants every quarter, as well as unlimited 1% cash back on all other purchases. Discover also doubles users’ first-year rewards earnings as an anniversary present. Plus, the odds of someone with no credit history being approved are quite high.
Deserve® EDU Mastercard for Students
People who don’t have any credit history because they are new to the country should look into the Deserve® EDU Mastercard for Students. Deserve EDU was built for student immigrants and requires neither credit experience nor a Social Security number from applicants. The card also has a $0 annual fee and gives 1% cash back on all purchases. Monthly credit-bureau reporting will enable you to build credit history over time, too. Just make sure to always pay your bill by the due date and keep your balance well below your spending limit, and your credit score should be in good shape.
OpenSky® Secured Visa® Credit Card
The easiest credit card to get with no credit is the OpenSky® Secured Visa® Credit Card. There is no credit check when you apply, so approval is nearly guaranteed for anyone who’s at least 18 years old with enough income to afford monthly bill payments. The OpenSky Visa has a $35 annual fee and requires a refundable security deposit of at least $200, the amount of which will be the account’s spending limit. Like all major credit cards, OpenSky will help you build credit if you use it responsibly.
Journey Student Rewards from Capital One
If you are a college student with no credit, consider applying for Journey Student Rewards from Capital One. Journey is one of the best credit cards for students with no credit because it is inexpensive, rewarding and easy to use. The Journey Card has a $0 annual fee and a $0 foreign transaction fee, and it does not require a security deposit. Cardholders also earn unlimited 1% cash back on all purchases – 1.25% for months when the bill is paid on time.
Best Credit Cards For People With No Credit History
Credit Card | Best For | Annual Fee |
OpenSky® Secured Visa® Credit Card | Instant Approval | $35 |
Deserve® EDU Mastercard for Students | Immigrants & International Students | $0 |
Capital One Platinum Credit Card | No Annual Fee | $0 |
Journey Student Rewards from Capital One | Students with No Credit | $0 |
Capital One QuicksilverOne Cash Rewards Credit Card | No Deposit | $39 |
Petal® 2 Visa® Credit Card | Cash Back | $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.
Questions & Answers
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 moreshow less
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Featured Credit Cards
Ask the Experts
- 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?
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Chang Xia
Assistant Professor, St. Francis College
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Mahmoud Haddad
Ph.D., Professor of Finance – The University of Tennessee at Martin
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Nakul Kumar
Ph.D., Associate Professor of Economics, Northern Virginia Community College
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Robert G. Murphy
Assistant Chair, Department of Economics – Boston College
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Brandis Phillips
Ph.D., CPA, Associate Professor, Department of Accounting & Finance, North Carolina A&T State University
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Mark T. Schenkel
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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