Any Credit History Credit Cards - ApplyNowCredit.com

Credit Cards for Any Credit History

Applying for a credit card can be challenging especially when your credit score has seen better days or you're just new to credit and looking to build it. We’ve taken the hassle out of finding issuers willing to work with you. Each of these cards have been carefully selected based on application security, bank rate transparency and clear credit terms. It only takes a few minutes to apply, so let's get started below.

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Any Credit History

Arro Card

Start with credit limit up to $300, grow to $2,500

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : All Credit Types Accepted
  • Rewards : 1% cashback on gas and groceries
  • Annual Fee : $60* (*discounted in Year 1 for starting credit lines under $300)
  • Monthly Fee : N/A
  • Regular APR : 24.99%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Card Details Page

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Any Credit History

Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : n/a
  • Rewards : n/a
  • Annual Fee : See Terms
  • Monthly Fee : N/A
  • Regular APR : n/a
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.

Card Details Page

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Any Credit History

GO2bank™

Overdraft protection up to $300 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
  • Monthly Fee : n/a
  • Regular APR : n/a
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

  • Overdraft protection up to $300 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.

Card Details Page

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Any Credit History

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Bad/Poor/Fair
  • Rewards : N/A
  • Annual Fee : $175 the first year; $49 thereafter
  • Monthly Fee : $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Regular APR : 35.9%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page
Rates & Fees

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

Card Details Page

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Any Credit History

Chime Card™

No Credit Check to Apply6

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : All Credit Welcome
  • Rewards : Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
  • Annual Fee : N/A
  • Monthly Fee : N/A
  • Regular APR : N/A
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

Card Details Page

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Any Credit History

the secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Any Credit Rating
  • Rewards : n/a
  • Annual Fee : $0 ($25 Annual Fee after the first year.)^
  • Monthly Fee : N/A
  • Regular APR : 27.49% (Variable)
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

Card Details Page

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Any Credit History

Klover

Pocket your cash in minutes –– get up to $200

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Any Credit Welcome
  • Rewards : N/A
  • Annual Fee : $0.00
  • Monthly Fee : N/A
  • Regular APR : 0.00%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $200 cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero.

HOW TO GET YOUR FIRST ADVANCE:

  • Enter your name, email and phone to sign up in seconds
  • Connect your bank so we know where to send your money
  • Pocket your cash in minutes –– get up to $200

But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie:

SCORE EASY POINTS

Earn points for things like taking surveys and watching ads. You can then cash them out for a bigger advance or to enter our daily sweepstakes.

WIN MONEY ON THE DAILY

You’ve got a chance to win $100 every day. Plus, five people get to pocket $20. That’s over 2000 chances to win each year!

BUDGET LIKE A BOSS

Level up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets.

MONEY FROM THE FUTURE

It’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero.

Card Details Page

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Any Credit History

opensky® Secured Visa® Credit Card

No credit check required – 89% approval rate with zero credit risk to apply!

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : No credit, Poor, Fair
  • Rewards : Up to 10% cash back rewards
  • Annual Fee : $35.00
  • Monthly Fee : N/A
  • Regular APR : 23.89% (variable)
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!

Card Details Page

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Any Credit History

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month.

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair/Poor
  • Rewards : N/A
  • Annual Fee : See Provider Website
  • Monthly Fee : See Provider Website
  • Regular APR : See Provider Website
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

Card Details Page

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Any Credit History

GreenFi

Up to 6% Cash Back¹ - Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Any Credit History
  • Rewards : Up to 6% Cash Back¹ - Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.
  • Annual Fee : 0.00
  • Monthly Fee : n/a
  • Regular APR : 0.00%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

GreenFi helps you save money, earn cash back¹, and plant trees² – all while keeping your money out of fossil fuels. No mandatory fees.³ No greenwashing. Just a better way to bank.

Up to 6% Cash Back¹
Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.

Earn up to 3.50% APY⁴
Put your money to work with our high-yield savings account. Terms and conditions apply.

Get Paid Early⁵
Your paychecks arrive up to 2 days early when you set up Direct Deposit.

55,000 Fee-Free ATMs
Unlimited withdrawals at over 55,000 Allpoint ATMs worldwide, with cash deposits available at select locations (other account fees apply).

Feature-Packed Mobile App
Manage your finances and measure your environmental impact on the go.

Live Customer Support
Our Support Team is here to help you make the most of your account.

Review Full Terms and Conditions here

Card Details Page

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Any Credit History

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*
  • Monthly Fee : N/A
  • Regular APR : 0.00%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

Card Details Page

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Any Credit History

Milestone® Mastercard® – 1.5% Cashback Rewards

A guaranteed $700 credit limit to help get your financial goals on track, if approved

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair
  • Rewards : Unlimited 1.5% Cashback Rewards earned on every purchase
  • Annual Fee : $175 the first year; $49 thereafter
  • Monthly Fee : $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Regular APR : 35.90%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page
Rates & Fees


Highlights

  • Turn everyday purchases into 1.5% Cashback Rewards!
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
  • No upfront security deposit required so you can keep more money in your pocket.
  • Join over a million consumers who are working on building their access to credit.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • A rewards card for people with less than perfect credit!

Card Details Page

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Any Credit History

Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair
  • Rewards : See Website for Details
  • Annual Fee : $175 the first year; $49 thereafter
  • Monthly Fee : $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Regular APR : 35.90%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page
Rates & Fees

Highlights

  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.

Card Details Page

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Any Credit History

Group One Platinum Card

Bad Credit, No Credit? No Problem!

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged/Fair
  • Rewards : N/A
  • Annual Fee : See website for Details*
  • Monthly Fee : N/A
  • Regular APR : 0.00%
  • Updated for : Sun 25 Jan 2026
  • More Details : View Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

Card Details Page

Additional Resources

Credit Spotlight : Arro Card

Arro Card
Arro Card : A Smarter, Simpler Way to Build Credit For millions of consumers, building or rebuilding credit can feel like navigating a maze of deposits, denials, and confusing fine print. The Arro Card was created to change that experience—offering a modern, user-friendly credit-building card designed specifically for people who want progress, not punishment. Rather than focusing on rewards or complex features that only benefit prime borrowers, the Arro Card is purpose-built to help everyday consumers establish positive credit habits, gain
Continue Reading »

Credit Spotlight: Current Build Visa® Credit Card

Current Build Visa® Credit Card
Mastering the Art of Building Credit with Current Build Visa® Credit Card Building credit is an essential part of financial success. Whether you're applying for a mortgage, renting an apartment, or even getting a new job, your credit history plays a crucial role. However, establishing and improving credit can be challenging, especially for those with little or no credit history. In this article, we will explore the importance of building credit and how the Current Build Visa® Credit Card can
Continue Reading »

Credit Spotlight: Destiny Mastercard®

Destiny Mastercard
Do you have imperfect credit? Has it stopped you from obtaining a credit card in the past? Are you hoping to improve your situation in the future? If you answered yes to these questions, the Destiny Mastercard® may be just what you’re looking for. Quick Overview All the benefits of a Mastercard, without a security deposit Keeping your account in good standing may help establish and/or improve your credit history Less than perfect credit is okay, even with a prior
Continue Reading »

Choosing the Right Credit Card for Your Credit Rating

In today’s fast-paced world, financial freedom is a goal we all strive to achieve. Whether it’s for that dream vacation, a new car, or even buying a home, having access to credit can make these aspirations a reality. However, obtaining a credit card that aligns with your credit rating is paramount to ensure you’re on the path to financial success. In this article, we’ll delve into the significance of selecting a credit card that suits your credit score and how it can vastly improve your chances of getting approved.

1. Know Your Credit Rating

Before you embark on your credit card journey, it’s essential to have a clear understanding of your current credit rating. Your credit rating, often represented as a three-digit number, is a reflection of your creditworthiness. It’s determined by various factors, including your payment history, outstanding debt, length of credit history, new credit inquiries, and types of credit accounts.

2. Why Your Credit Rating Matters

Your credit rating plays a pivotal role in determining your eligibility for different credit cards. Lenders use this rating to assess the risk associated with lending you money. Here’s why it matters:

  • Approval Odds: A higher credit rating significantly improves your chances of getting approved for a credit card. Lenders are more likely to offer favorable terms and credit limits to individuals with good or excellent credit scores.
  • Interest Rates: Your credit rating also influences the interest rates you’ll be offered. Those with higher credit scores typically receive lower interest rates, which can save you a significant amount of money over time.
  • Credit Limits: A higher credit rating often results in higher credit limits. This can be beneficial for making larger purchases or managing your credit utilization ratio effectively.

3. Match Your Credit Rating to the Right Card

Now that you understand the importance of your credit rating let’s explore how to match it with the right credit card:

  • Excellent Credit (720+): If you have an excellent credit rating, you’re in an enviable position. You can qualify for premium credit cards with the best rewards, perks, and low-interest rates. Look for cards that offer cash back, travel rewards, or premium benefits like airport lounge access.
  • Good Credit (660-719): With a good credit score, you still have access to a wide range of credit cards. Consider cards with cash back rewards, low annual fees, or cards designed to help you build your credit further.
  • Fair Credit (580-659): If your credit score falls into this category, you may want to focus on credit cards designed to help you rebuild your credit. These cards often have higher interest rates and lower credit limits but can be a stepping stone to better credit in the future.
  • Poor Credit (Below 580): If your credit rating is poor or you have a limited credit history, secured credit cards may be your best option. These cards require a security deposit but can help you establish or rebuild your credit.

4. Research and Compare

Once you’ve identified the credit card category that matches your credit rating, it’s time to research and compare your options. Don’t rush into the first offer that comes your way. Take the following steps to make an informed decision:

  • Compare Interest Rates: Look for cards with competitive interest rates, especially if you plan to carry a balance. A lower interest rate can save you money in the long run.
  • Fees and Charges: Read the fine print to understand annual fees, late fees, and other charges associated with the card. Choose a card with fees that align with your financial situation.
  • Rewards and Benefits: If you’re interested in rewards, evaluate the rewards programs offered by different cards. Consider whether cash back, travel miles, or points align with your spending habits and goals.
  • Credit-Building Features: If you’re working on improving your credit, opt for a card that reports your payment history to the credit bureaus. This will help you rebuild your credit over time.

5. Apply Responsibly

Once you’ve found the perfect credit card for your credit rating, it’s time to apply. Here are some tips to ensure a responsible application process:

  • Don’t Apply for Multiple Cards at Once: Each credit card application can result in a hard inquiry on your credit report, which can temporarily lower your credit score. Apply for one card at a time and wait for a response before considering another.
  • Complete the Application Accurately: Provide accurate information on your application, including your income, employment, and personal details. Any discrepancies could lead to a denial.
  • Read and Understand the Terms: Before accepting a credit card offer, read and understand the terms and conditions. Be aware of the interest rate, fees, and any introductory offers.

Final Thoughts

choosing the right credit card based on your credit rating is a crucial step toward financial stability and freedom. By knowing your credit rating, matching it to the right card, researching and comparing options, and applying responsibly, you can set yourself on the path to better financial health. Remember, your credit rating isn’t set in stone; responsible credit card usage can help you improve it over time. So, take the time to make an informed choice and watch as your financial future unfolds with greater ease and opportunity.

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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