No Credit Credit Cards - ApplyNowCredit.com

Credit Cards for No 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.

No 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

Annual Fee

0.00

Regular APR

0.00%

Rewards

n/a

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process!

Rating

Credit Brand Visa®
Credit Needed

Poor/Limited

Annual Fee

*See Terms

Regular APR

*See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

Zebit – Buy Now & Pay Over Time

Get up $2,500 of credit. No FICO score needed!

Rating

Credit Brand Other
Credit Needed

Poor to Good

Annual Fee

0.00

Regular APR

See website for Details*

Rewards

n/a

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

Net First Platinum

Instant Approval / $750 Credit Line!

Rating

Credit Brand Other
Credit Needed

Damaged credit to Fair credit

Annual Fee

See website for Details*

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

First Access Visa® Card

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad

Annual Fee

see terms

Regular APR

see terms

Rewards

n/a

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

Group One Platinum Card

Instant Approval / $750 Credit Line!

Rating

Credit Brand Other
Credit Needed

Damaged/Fair

Annual Fee

See website for Details*

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

Freedom Gold Card

$750 Unsecured Credit Limit

Rating

Credit Brand Other
Credit Needed

Damaged credit to fair credit

Annual Fee

see terms

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Mon 26 Jul 2021

No Credit

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

Credit Limit: $500 - $5,000

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad/Limited/No Credit

Annual Fee

$0

Regular APR

19.99 - 29.49% Variable

Rewards

2%-10% cash back from select merchants

Full Details

Card Page

Updated for

Mon 26 Jul 2021

Additional Resources

Credit Spotlight: Applied Bank® Unsecured Classic Visa® Card

It’s not easy to obtain a credit card if you have bad credit or no credit. This is even more so the case if you’re interested in an unsecured (no security deposit required) credit card. Fortunately, you have plenty of options, with the Applied Bank® Unsecured Classic Visa® Card at the top of the list. Not only is this an unsecured credit card, but it’s backed by Applied Bank and powered by Visa. Features and Benefits of the Applied Bank®
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4 Ways to Get a Higher Limit on Your Credit Card

4 Ways to Get a Higher Limit on Your Credit Card There may come a time when you realize that your current credit card limit is not high enough. Here are some tips to get a higher limit. Getting a higher credit limit sounds like a great idea, but it’s important to understand the risks. If you pay your bill in full every month, increasing your credit limit can provide you with additional spending flexibility. Furthermore, with a higher limit
Continue Reading »

Comparing Credit Cards? 5 Questions to Answer

With hundreds upon hundreds of credit card offers to choose from, you should be able to find one that suits your financial situation and goals. Conversely, with so many to consider, it can take a good amount of time to learn what each one has to offer. The best way to successfully compare credit cards is to answer these five questions for each offer you’re considering: 1. What makes it stand out from the crowd? Even when two credit card
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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 »

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.

Credit Card Guides

ApplyNowCredit is always looking for the best and most efficient way to making the credit card comparison process a hassle free experience. Below you will find our most popular credit card guides.


Types of Credit Cards

Types of Credit Cards


Choosing a Credit Card

Choosing a Credit Card


Fico Scores

FICO Scores


Credit Cards for Business

Business Credit


Credit Card Offers

Credit Card Offers


The Best Credit Cards

The Best Credit Cards


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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