Find the Best Credit Card for People with No Credit

Sometimes people who have no credit have the same problems as people who entertain bad credit, because it can be difficult to obtain a card with little to no credit history. If you use your savings to obtain one of these secured cards and use that card responsibly, you can begin to build a credit history that will reward you in some cases with reward programs.

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All-Access® MasterCard® Prepaid Card

All-Access® MasterCard® Prepaid Card

Apply for All-Access® MasterCard® Prepaid Card

  • As Seen in Stores Nationwide
  • Extra User Cards – EXCLUSIVE OFFERING!
  • FREE (5% APR) Savings Account - EXCLUSIVE OFFERING!
  • FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING!
  • FREE Mobile Money Transfers - EXCLUSIVE OFFERING!
  • Refer-a-Friend and You Both Get Paid - EXCLUSIVE OFFERING!
  • Direct Deposit - Get Paid Fast
  • Pay Bills Online 24/7
  • Read our review or apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR None $0

Wired Plastic™ Prepaid Visa® Card

Wired Plastic™ Prepaid Visa® Card

Apply for Wired Plastic™ Prepaid Visa® Card

  • 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.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR None $0

Prepaid Visa® RushCard™

Prepaid Visa® RushCard™

Apply for Prepaid Visa® RushCard™

  • 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.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR None $0

Pulaski Bank Visa® Card

Pulaski Bank Visa® Card

Apply for Pulaski Bank Visa® Card

  • Fixed Rate APR of 6.5%
  • 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 Account Information
  • Read our review or apply online now at Pulaski Bank's Web site.
Intro APR Regular APR Credit Needed Annual Fee
0% APR for 6 Months 6.50% Fixed None $35

Continental Finance Gold MasterCard®

Continental Finance Gold MasterCard®

Apply for Continental Finance Gold MasterCard®

Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available 9.75%* Fixed Bad Credit OK $50

Continental Finance MasterCard®

Continental Finance MasterCard®

Apply for Continental Finance MasterCard®

Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available 19.92% Fixed Bad Credit OK $50

Vision Premier(SM) Prepaid Visa® Card

Vision Premier(SM) Prepaid Visa® Card

Apply for Vision Premier(SM) Prepaid Visa® Card

  • $0 ACTIVATION with Direct Deposit*
  • $0 WEEKLY FEE with Direct Deposit*
  • Guaranteed Approval / No Credit Check
  • FREE Direct Deposit; No More Check Cashing Fees
  • FREE Email/SMS Alerts; Instantly Know Your Balance
  • FREE Unlimited Purchase Transactions
  • FREE Online Checking
  • Popular Load Locations: Western Union, MoneyGram, ACE, & More
  • Apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR None $0

Applied Bank® Secured Visa® Credit Card

Applied Bank® Secured Visa® Credit Card

Apply for Applied Bank® Secured Visa® Credit Card

  • 9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
  • CHOOSE Your Credit Limit Up To $5,000*
  • $0 Fraud Liability
  • NO Credit Requirements
  • NO Income Requirements
  • ACCEPTED Worldwide at Millions of Locations
  • CREDIT Bureau Reporting
  • *Minimum $200 Deposit Required. Your Credit Limit Will Be Equal to the Amount of Your Deposit.
  • Apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available 9.99% Fixed None $50

Delta Reserve Credit Card

Delta Reserve Credit Card

Apply for Delta Reserve Credit Card

  • Annual First-Class Companion Certificate, Which Can Be Used for a First-Class or Coach-Class Ticket!
  • Earn Up to 10,000 Medallion® Qualification Miles (MQMs) After Your First Purchase
  • Built-In Miles Boost(SM) - Earn Up to 30,000 MQMs and 30,000 Bonus Miles
  • Complimentary Crown Room Club® Access for You and Two Guests
  • Access to American Express® Concierge Services
  • Pay with Miles - Pay for All or Part of Any Delta Flight with Your Miles
  • Apply online now at American Express's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available 13.99% Variable None $450

Discover® Student Card - Clear

Discover® Student Card - Clear

Apply for Discover® Student Card - Clear

  • 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.
Intro APR Regular APR Credit Needed Annual Fee
0% Interest* for 6 Months 14.99% Variable None $0

Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards

Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards

Apply for Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards

  • Earn 2 Miles for Each Dollar of Monthly Spending Above $1,000
  • 1 Mile Per $1 Spent on All Other Purchases
  • Save With 0% Intro APR on Purchases Until January 2010
  • Get Free Travel Easily with ANY Airline, Hotel, Cruise Line, or Rental Car
  • No Blackout Dates and No Seat Restrictions
  • No Expiration Date on Miles and No Limit on the Miles You Can Earn
  • No Annual Fee
  • *See Capital One® Important Disclosures for More Information
  • Apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
0% on Purchases Until January 2010 9.90% Variable None $0

READYdebit™ Card

READYdebit™ Card

Apply for READYdebit™ Card

  • Visa® Debit Card — Accepted Worldwide
  • Access to a Million ATMs Around the World
  • Online Bill-Payment and Check-Writing Service That Lets Customers Pay Anyone By Check
  • Free Direct Deposit, Plus a Network of 50,000 Locations Where Customers Can Load Their Visa® Card With Cash
  • 24x7 Customer Support — Online and Phone
  • FDIC Insurance & Visa®'s Zero Liability Protection Against Fraudulent Use
  • Apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR None $0

TrueEarnings® Card from Costco and American Express

TrueEarnings® Card from Costco and American Express

Apply for TrueEarnings® Card from Costco and American Express

  • Earn Cash Back On Gas and a $25 Statement Credit With Your First Purchase Made With the Card!
  • Earn Cash Back Virtually Everywhere You Go - 3% for Gasoline, 3% for Restaurants, 2% for Travel, 1% Everywhere Else, Including Costco
  • No Annual Fee With Your Paid Costco Membership
  • The TrueEarnings Card Serves as Both Your American Express Credit Card and Your Costco Membership Card
  • No Limit on the Cash Back Earned
  • Apply online now at American Express's Web site.
Intro APR Regular APR Credit Needed Annual Fee
0% APR for 3 Months 13.99% Variable None $0

Discover® Student Card - Monogram Collection

Discover® Student Card - Monogram Collection

Apply for Discover® Student Card - Monogram Collection

  • 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.
Intro APR Regular APR Credit Needed Annual Fee
0% Interest* for 6 Months 14.99% Variable None $0

ARC Travel MasterCard®

ARC Travel MasterCard®

Apply for ARC Travel MasterCard®

  • NO MONTHLY OR ANNUAL FEES
  • 100% Guaranteed Approval - No Credit Check
  • Multiple Load Options Including PayPal
  • FREE Mobile and E-mail Balance and Activity Alerts
  • FREE TRAVEL BENEFITS: Lost Luggage, Emergency Card Replacement, Medical Assistance, and More!
  • PAYPASS TAP N’ GO Technology
  • Multiple Cards Available - Get Cards for Up to 4 People Per Account
  • Reloadable, Up to $9,500 Balance
  • Apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR 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.