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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 Blue from American Express® 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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- 0% APR on Purchases for Up to 12 Months
- No Annual Fee
- Low Balance Transfer APR 2.99% for 12 Months
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 8.99% Variable |
None |
$0 |
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- Earn 5,000 Membership Rewards® Bonus Points When You Spend $500 in 3 Months - Redeemable for a $50 Gift
- No Pre-Set Spending Limit*
- No Annual Fee for the First Year - $95 Thereafter
- Complimentary Enrollment in our Award Winning Membership Rewards® Program.
- Earn 1 Membership Rewards® Point for Virtually Every Dollar You Spend and Double Points at Supermarkets, Gas Stations, Drugstores, and More!
- Transfer Points to 17 Frequent Flyer Programs
- Express Approval. Get a Decision in Less than 60 Seconds
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
None |
$95 |
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- 6% Rebates on ALL Gas Purchases at ANY Gas Station for the First 90 Days
- 3% Rebates on ALL Gas Purchases at ANY Gas Station after the First 90 Days
- 1% Rebates on ALL Other Purchases Made Anywhere Else
- 0% Intro APR* for Up To 6 Months
- The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Credit History
- No Annual Fee
- Read our review or apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months |
10.99% Variable |
None |
$0 |
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- 0% Intro APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 9.99% Variable |
None |
$0 |
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 9.99% Variable |
None |
$0 |
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- Earn Up To 10% in Introductory Rebates
- Earn Up To 5% in Rebates after the Introductory Period
- There's No Limit to the Amount of Rebates You Can Earn!
- 0% APR for Up To 6 Months on Balance Transfers
- No Annual Fee
- Online Account Management
- Zero Liability Against Unauthorized Purchases
- Read our review or apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 6 Months |
13.99% Variable |
None |
$0 |
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- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Information
- 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 |
8.00% Variable |
None |
$0 |
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- No Fees of Any Kind. No Annual Fee, No Late Fees, No Over-Limit Fees, No Balance Transfer Fees, No Cash Advance Fees
- 0% Intro APR for Up to 12 Months
- Automatic Rewards. You'll Get an American Express Branded Shopping Card Worth $25 Delivered Straight to Your Door Every Time You Spend $2,500
- Pay in Full, or Carry a Balance
- Express Approval. Get a Decision in Less than 60 Seconds
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 10.99% Variable |
None |
$0 |
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- No Annual Fee
- Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles
- Low 9.99% APR
- Credit Line May Be as High as $250,000
- Earn 1 Point for Every $1 Spent
- Extraordinary Benefits such as Companion Airline Tickets and Upgrades, Airport Lounge Access, and 24/7 Concierge
- 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 |
| 1.9% APR for 12 Months |
9.99% Fixed |
None |
$0 |
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- Earn Up to 6% Cash Back on Purchases; a Full 1% Cash Back on Every Purchase PLUS an Average 5% Additional Cash Back at 400 Leading Retailers Within the Citi Bonus Cash Center.
- Earn a 20% Bonus on the Cash Back Earned on All Purchases for the First 12 Months
- Checks Will Be Sent Automatically Every Time You Earn $50
- 0% APR* on Balance Transfers for up to 12 Months
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 9.99% 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.
