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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 variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Online Access to Credit Card Account Information
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 1.99% APR for 6 Months |
7.25%, 10.25%, or 13.25%* |
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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- Accepted Everywhere VISA is Accepted
- No Credit Check, Income Requirements or Bank Account Required
- FREE Online Access to Account
- FREE Mobile Alerts - Text to Your Mobile or Email
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Rewards Program - Earn 1 Point for Every $1 Spent
- No Bounced Check, NSF or Overdraft Charges EVER!
- 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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- Earn $50 Bonus Cash Back after first purchase
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
- Apply online now at Chase's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 12 months on balance transfers, 6 months on purchases* |
12.99% - 22.99% (V) |
None |
$0 |
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- Earn 1 WorldPoint for every $2 in qualifying net retail purchases‡
- No maximum earnings cap on WorldPoints
- No Annual Fee
- Online access to your credit card account
- Around-the-clock fraud protection
- Unparalleled 24-hour customer service
- Immediate cash access at 430,000 ATMs internationally
- 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 |
18.99% |
None |
$0 |
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- 0% intro APR for up to 12 months.
- No Annual Fee.
- New innovative card design.
- BlueprintSM free and customizable account features that help you avoid unnecessary interest and pay your balances down faster
- 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 12 Months* |
13.24%, 17.24%, 22.24% |
None |
$0 |
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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
- Enjoy free online access to your credit card account
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Access unparalleled 24-hour customer service
- 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% |
None |
$0 |
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- Build Credit History - We Report to All 3 Major Credit Bureaus
- 0% APR on All Purchases for the First 6 Months
- No Annual Fees or Monthly Maintenance Fees
- No Credit Check
- No Checking Account Required
- Your Credit Is Not a Factor!
- 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% |
None |
$0 |
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- No Credit Check, No Debt, No Interest, No Overdraft Fees
- Free Unlimited Purchases - Signature and PIN
- Free Customer Service
- Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
- Free PayFit Credit Builder - Pay Bills and Build Credit for Free
- Free Text and Email Alerts and Online Access to Track Spending
- Safer Than Cash If Lost of Stolen
- Accepted Everywhere Visa Debit Cards are Accepted
- 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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- Double Cashback Bonus at any gas station and any restaurant (yes, even on those infamous 1 AM burritos.)
- Hello 5% to 20% Cashback Bonus at our exclusive online mall; goodbye mall-walkers.
- Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.
- Turn your Cashback Bonus into even bigger rewards by redeeming for gift cards or eCertificates from more than 100 brand-name retailers.
- 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 13.99%* 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.
