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

Net First Platinum

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

Thu 21 Jan 2021

No Credit

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

$500 - $5,000 credit limits.

Rating

Credit Brand Visa
Credit Needed

Fair/Bad/Limited/No Credit

Annual Fee

$0

Regular APR

19.99 - 29.49% Variable

Rewards

Up to 10% cash back from select merchants

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Quick Tip: Applying for Credit Card

Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if intend to carry a balance.

No Credit

Freedom Gold Card

$750 Unsecured Credit Limit

Rating

Credit Brand Other
Credit Needed

No Credit

Annual Fee

see terms

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 21 Jan 2021

No Credit

Principal 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

Thu 21 Jan 2021

Quick Tip: Check Your Credit Score

When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Check out is this great article on the topic.

No Credit

Zebit – Buy Now & Pay Over Time

Get up $2,500 of credit to shop Zebit

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

Thu 21 Jan 2021

No Credit

First Access Visa® Card

Rating

Credit Brand Visa
Credit Needed

Poor

Annual Fee

see terms

Regular APR

see terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Quick Tip: Secured vs. Unsecured Credit Cards

With a secured credit card, you’re required to make a cash deposit in order to use the card. This deposit acts as your collateral and credit limit. A secured credit card is typically for consumers with no credit or bad credit. An unsecured credit card is the more traditional of the two, as it doesn’t require a deposit to get started. Instead, your credit limit is based on your credit score, credit history, and income.

No Credit

Loan Pioneer

CASH AS SOON AS NEXT BUSINESS DAY

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular APR

5.99% to 35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

No Credit

First Access Visa® Card

Rating

Credit Brand Visa
Credit Needed

Bad

Annual Fee

see terms

Regular APR

see terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

Quick Tip: The Interest Rate

In a perfect world, you would never be charged interest for using a credit card. Unfortunately, most credit cards – outside of balance transfer offers with an introductory zero percent rate – have an interest rate attached to it. The key thing to remember is that you only pay interest if you carry a balance from month to month. Get into the habit of paying your bill in full as a way to avoiding finance charges.

No Credit

5kFunds

All Credit Types Accepted

Rating

Credit Brand Other
Credit Needed

Good/Fair/Bad

Annual Fee

$0.00

Regular APR

5.99% to 35.99%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

No Credit

Unique Platinum

Guaranteed $1000 Credit Line! Get the things you want today!*

Rating

Credit Brand Other
Credit Needed

Limited

Annual Fee

See Terms*

Regular APR

0%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 21 Jan 2021

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.

Resources: Credit Cards and your Credit Standing

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 you’ll have a lower credit utilization ratio, thus leading to a higher credit score. Conversely, if you have problems keeping
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 offers appear to be the same, nothing could be further from the truth. Dig around to find out what makes
Continue Reading »

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 to spend more time on your search. It’s important to do two things before you begin your search for the
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 it easier to focus on the offers that you actually qualify for. Your Credit Score Credit card issuers take into
Continue Reading »

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. 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 card organization those fees plus your current balance. Interest fees range from 0% to 35% APR and annual fees range from $0.00 to $99.00 according to contractually agreed upon terms. 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 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace stores. Please review full terms and conditions prior to applying for any credit card. 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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