Credit Cards if don't have Credit Credit Cards - ApplyNowCredit.com

Credit Cards if don't have Credit

With no credit history, it’s easy to assume you won’t qualify for a credit card. But that’s only because you haven’t taken the time to learn about credit cards for no credit. Despite your history, there are credit card issuers that are willing to do business with you. Once you learn more about these offers, you’ll come to find that you can apply for a credit card that allows you to build your history and boost your score. Search through our list below to get started.

Credit Cards if don't have Credit

Revvi Card

Fast and easy application; response provided in seconds

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : See website for Details
  • Rewards : Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Annual Fee : $75 1st year, $48 after*
  • Regular APR : 34.99%*
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

Zebit – Buy Now & Pay Over Time

Get a Max of $1500 in Credit to Shop Zebit!

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Poor to Good
  • Rewards : n/a
  • Annual Fee : 0.00
  • Regular APR : See website for Details*
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

Chime® Debit Card

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Limited to Good
  • Rewards : n/a
  • Annual Fee : 0.00
  • Regular APR : 0.00%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

Net First Platinum

$750.00 Line of Credit*

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged credit to Fair credit
  • Rewards : N/A
  • Annual Fee : See website for Details*
  • Regular APR : 0.00%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

PREMIER Bankcard® Grey Credit Card

Just complete the short application and find out in 60 seconds if you’re approved

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair/Poor
  • Rewards : n/a
  • Annual Fee : See Provider Website
  • Regular APR : See Provider Website
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

GO2bank

Overdraft protection up to $200 with opt-in and eligible direct deposit*

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : All Credit Types Considered
  • Rewards : Earn up to 7% cash back when you buy eGift Cards in the app
  • Annual Fee : $0.00
  • Regular APR : n/a
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

Petal® 1 “No Annual Fee” Visa® Credit Card

$300 - $5,000 credit limits

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Fair/Bad/Limited/No Credit
  • Rewards : 2% - 10% cash back at select merchants
  • Annual Fee : $0
  • Regular APR : 22.99% - 32.49% Variable
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Credit Cards if don't have Credit

Freedom Gold Card

No Credit Check

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged credit to fair credit
  • Rewards : N/A
  • Annual Fee : see terms
  • Regular APR : 0.00%
  • Updated for : Sat 03 Dec 2022
  • Full Details : View Card Page

Additional Resources

Credit Spotlight: Milestone® Mastercard®

There was a time when a challenging credit history would stop you dead in your tracks. While bad credit or no credit isn’t your desire, things happen in your life that can lead you down this path. Fortunately, there are more credit card products available today than ever before — many of which are designed for individuals in your situation. Apply Now The Milestone® Mastercard® is designed for people with poor credit or no credit history. It’s not the type
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Credit Spotlight: Zebit – Buy Now & Pay Over Time

There may come a time when you need to make a purchase that you can’t afford to pay for in full. In this case, you may turn your immediate attention to a credit card. While that’s an option, don’t get ahead of yourself. Instead, learn more about Zebit. Zebit is an online marketplace with “buy now and pay over time” options. It’s similar to using a credit card as you don’t need all the money for the purchase upfront. It’s
Continue Reading »

Credit Spotlight: Aspire® Cash Back Reward Card

It’s not always easy to decide where to start your financial journey. And that’s especially true when it comes to choosing a credit card. Fortunately, offers like the Aspire® Cash Back Reward credit card are available. Here’s how Aspire® — a credit card issued by The Bank of Missouri — describes its cash back credit card: Take the first step on your financial journey with Aspire®. With just a few clicks, you can enter your acceptance code and request your
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Your FICO Score and Getting the Best Credit Card

Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
Continue Reading »

Choose the Right Credit Card for Your Credit Score

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
Continue Reading »

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Full Details Page

5 of the Best Ways to Build Credit With No Credit History

In today’s day and age, it’s more important than ever to build a strong credit history. If you don’t have a credit history, there are several things you can do to jumpstart your credit report and put yourself on the right track.

While it’s true that you “need credit to get credit,” there are a few tricks you can use to get ahead of the curve. Here are five of the best ways to build credit with no credit history:

1. Opt for a Secured Credit Card

This is one of the best ways to build a credit history, as secured credit cards are available to almost every type of consumer.
With this, you’re required to make a security deposit that acts both as collateral and your credit limit. Use your credit card as you see fit, all the while paying your bill on time every month.
Tip: before signing on the dotted line, verify that your payment history will be reported to the three primary credit bureaus.

2. Apply for a Department or Online Store Credit Card

You may not be in position to secure a traditional (unsecured) credit card right now, but that doesn’t mean that department stores will turn you down.
If you have a favorite department store, learn more about its credit card program. As long as you keep your spending in check, this is another great way to build your credit history.
Just the same as a secured credit card, verify that all activity is reported to the credit bureaus.

3. Find a Co-Signer

Just because you can’t qualify for an unsecured credit card or loan on your own, it doesn’t mean you’re out of luck. With the help of a co-signer, you can secure a credit card or loan in no time.
This can help you build credit history, but remember one thing: your co-signer is on the hook if you miss a payment or are unable to stay current.

4. Consider Your Rent Payments

If you pay your rent in full and on time every month, you’ll want to use this to your advantage.
There are many rent reporting services that add rent payments to your credit report, thus helping you establish your credit and boost your score.

5. Become an Authorized User

Will your spouse add you as an authorized user on his or her credit card? How about a parent or sibling?
There are many benefits of this, including the ability to access credit and the opportunity to build credit history.
This is an idea to consider, but only if you set clear spending parameters with the primary card holder. You don’t want this arrangement to ruin your relationship.

Conclusion

Everyone starts with no credit. While some people actively take steps to build a strong credit history, others sit back and wonder what they should be doing.
If you’re ready to forge ahead, implement one or more of the five strategies above. These will help you build your credit from the ground up.


Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

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