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Find the Best Credit Card for People with No Credit
If you have no credit and you want a credit card, it might be hard to find an issuer that will work with you. Some credit card issuers will take into account your work and salary history, as well as whether or not you have a bank account, but most major credit card companies are unwilling to risk extending credit to someone with no credit history.
The best way to get a credit history is to get some form of credit and then be faithful to pay your balance on time each month. The catch of course is finding someone to give you that first credit. A great option to establish credit is finding a no credit credit card. These cards require no credit check, because they are for people that haven't yet established a credit history.
No credit credit cards are also called secured credit cards. You secure these cards by depositing a set amount of money with the cardholder. This money ensures that the company will get their money should you default on a payment.
Online Applications for No Credit Cards
These online credit card applications keep your personal data safe by utilizing SSL technology.
Recommended No Credit Credit Card
The IberiaBank Visa® Classic Card is one of the most popular No Credit cards available. Your Credit Advisor recommends it as our favorite in this category.
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- No Annual Membership Fee
- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 8.75%* Variable |
None |
$0 |
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- iAdvance Line of Credit, No Credit Check Needed
- $0 ACTIVATION FEE - When You Load Your Card By Direct Deposit
- 100% Guaranteed Approval*
- FREE Credit Builder
- FREE Online Bill Pay
- NO Overdraft Fees or Minimum Balance Required
- Re-loadable With a $10,000 Balance
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
None |
$0 |
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- Free Credit Builder with RushPath to Credit
- Free Text Alerts: Check Balance, Check Recent Transactions, and Deposit Alerts
- Free Direct Deposit of Tax Refunds, Anticipation Loans, and Paychecks
- Free 24x7 Customer Service
- Use Anywhere Visa Debit Cards are Accepted - In Stores on the Internet, and Over the Phone
- Simple and Reasonable - No Monthly, Annual, or Hidden Fees
- Everyone is Eligible No Credit Check or Employment Verification
- Helps Control Debt - You Can't Overspend!
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
None |
$0 |
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus® Partners*
- Customer Service in Less than a Minute, Anytime You Want
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Interest* for 6 Months |
as low as 14.99% Variable |
None |
$0 |
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- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Free Payment by Phone or Online Even on Your Payment Due Date
- Choose a Payment Due Date That Meets Your Needs
- No Annual Fee
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 3.99% Intro APR* |
as low as 11.99% Variable |
None |
$0 |
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- New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
- No Bounced Check, NSF and Overdraft Charges EVER!
- FREE Rewards Program - Earn 1 Point for Every $1 Spent, Redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Credit Builder with Overdraft Protection
- FREE Mobile & Email Alerts
- FREE Direct Deposit - Eliminate Check Cashing Fees
- Add Cash Instantly at 100,000 Retail Locations Nationwide
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
None |
$0 |
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- Free Credit Builder with RushPath to Credit
- Free Text Alerts: Check Balance, Check Recent Transactions, and Deposit Alerts
- Free Direct Deposit of Tax Refunds, Anticipation Loans, and Paychecks
- Free 24x7 Customer Service
- Use Anywhere Visa Debit Cards are Accepted - In Stores on the Internet, and Over the Phone
- Simple and Reasonable - No Monthly, Annual, or Hidden Fees
- Everyone is Eligible No Credit Check or Employment Verification
- Helps Control Debt - You Can't Overspend!
- Read our review or apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
None |
$0 |
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- Get a Full Privilege Secured Visa® Credit Card Account
- Get Approved for Up To $5,000 in Secured Credit with No Credit Check
- Guaranteed Approved Regardless of Credit History or Income
- Earn Interest on Your Deposits
- FDIC Insured
- Apply online now at New Millennium Bank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
19.5% Fixed |
None |
$59 |
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- 1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers for 6 months
- Feel secure with around-the-clock fraud protection
- Free online access to your credit card account
- Access unparalleled 24-hour customer service
- No Annual Fee
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
19.99% Fixed |
None |
$0 |
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- 0% APR for 6 Months on All Purchases
- Unauthorized Use Protection
- As Low as $300 Minimum Deposit FDIC Insured Account
- Up to $1M Credit Limit
- Income, Credit and Employment Not a Factor
- We Report to All 3 Major Credit Bureaus Within 30 Days of the First Statement Cycle
- Worldwide Acceptance
- *Terms and Conditions Apply
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
11.24% Variable |
None |
$0 |
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The credit card information shown here is provided by . Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
