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Best Credit Cards of October 2021 for Limited / None Credit

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1. Compare our recommended credit card offers for limited to no credit from our partners
2. Apply securely online by clicking APPLY NOW
3. Save money on interest & earn valuable rewards

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

On WebBank's secure site
Rewards Rate
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
Easy Approval Process
Easily see if you're pre-approved within minutes without impacting your credit score
No Fees
No late fee, international fee, annual fee, or other suprise fees
Card Network
Annual Fee
$0
Credit Score Needed
Fair, Limited / None
Details
  • Click APPLY NOW to securely apply online.
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.

  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments

  • 1% cash back on eligible purchases right away

  • 2% - 10% cash back at select merchants

  • $500-$10,000 credit limits

  • Variable APRs 12.99%-26.99%

  • Build credit alongside tens of thousands of Petal Card members

  • Cash flow technology may help applicants without credit history get approved

  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments

  • See if you're pre-approved within minutes without impacting your credit score

  • Petal reports to all 3 major credit bureaus

  • No deposits required

  • Card issued by WebBank, Member FDIC

Collapse Full Details

Surge Mastercard®

On Surge's secure site
No Security Deposit Required
A true credit card with no need to put down a security deposit
Improve Your Credit
Boost your credit score with responsible use
Mastercard Network
Use your card wherever Mastercard is accepted
See Full Details

First Progress Platinum Prestige MasterCard® Secured Credit Card

On Synovus Bank's secure site
Rewards Rate
N/A
Welcome Offer
N/A
Regular Purchase APR
9.99% Variable
See Full Details

Getting a Credit Card with Limited or No Credit History

Almost 20% of Americans don’t have a credit score. This can be for a variety of reasons like not having a bank account or newly arriving in the United States. Whatever your reason for having limited credit history, it no longer needs to prevent you from getting a great credit card.

For this particular category, we did our research to pull the cards together that offer the best chance of approval for new creditors. Many of the credit cards in this list don’t entirely rely on credit scores to approve new cardholders.

Multiple cards here use an underwriting method called cash-flow underwriting which looks at data beyond your credit score such as income, bank balances, and spending habits to approve you for their card. Accordingly, you can be confident that amongst these cards there is a great option for you. After you compare these top credit cards for limited or no credit, simply click ‘APPLY NOW’ to complete your application.

Rewards Credit Cards for Limited or No Credit

Can you earn rewards even with no credit history? Yes. Never having credit before won’t stop you from earning rewards. Some of these offers don’t even charge an annual fee to get you started with no out of pocket expenses.

How to Establish New Credit

The traditional catch-22 of credit cards was to get a credit card you needed credit history. To build credit history, you needed to demonstrate timely payments of your existing credit products. This outdated practice has been addressed with credit cards that are specifically designed for Americans with no credit history. The easiest first step to establish your credit is to open a credit card. Credit cards are unique in that they are often considered the starting point for your financial journey. It’s unlikely to be approved for a larger loan until you have a reputable history paying your creditors back.

Notable benefits of credit cards for limited credit are features that dynamically respond to your credit behavior. For example, your credit limit and rewards rate could increase after you make multiple payments on time. Additionally, you may have your interest rate lowered as the bank becomes more comfortable with you as a creditor.

Benefits to Look For

In addition to offering you access to credit, these cards go above and beyond to make it easy to manage your card. Important features consist of:

1. Online bill pay
2. Digital card & mobile wallet integration
3. Credit score monitoring
4. Daily transaction reporting
5. Straightforward rewards redemption

Using your credit card responsibly is key to unlocking the best credit card offers. The best way to do this is to use a card that has software (or an app) built around it to make your life easier. Some apps even come in with budgeting and autopay features to keep you on track with your payments.

Student Credit Cards vs Cards for Limited Credit

There is some overlap between student cards and credit cards for no credit history since both are meant to begin your personal financial journey. A key difference between these cards is student credit cards sometimes require a guarantor - like your parents - to be approved for a card. If that isn’t an option you a card for limited credit history is likely the best option for you.

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