BusyKid Spend Card
- 30-day money-back guarantee
- Parental match feature encourages saving
- Annual fee
- See issuer terms
- Recommended credit
- No Credit Required
Credit Cards for No Credit History
If you have never had a loan or credit card, you may not have a credit score at all. Cards in this group accept applicants with a thin or empty credit file, often by using a security deposit or by looking at income and banking history instead of a credit score.
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10 cards · select up to 3 to compare side by side
GoHenry Card
- Flexible parental controls such as setting spending limits and being able to choose where the child's card is used
- Chores can be set up in-app and checked off when they're completed
- Annual fee
- None
- Recommended credit
- No Credit Required
Zolve Azpire Credit Builder Card
- Build credit with no minimum deposits and no annual fee
- Unlimited 1% cash back on all eligible purchases
- Annual fee
- None
- Recommended credit
- No Credit Required
PayPal Prepaid Mastercard
- Add money to your card via direct deposit or at any of the 130,000+ NetSpend Reload Network locations nationwide
- Refer-A-Friend program allows you and the person you refer to both earn a $20 credit
- Annual fee
- None
- Recommended credit
- No Credit Required
Netspend® Prepaid Card
- Get paid faster with Netspend Direct Deposit
- No late fees or interest charges
- Annual fee
- None
- Recommended credit
- No Credit Required
Current Debit Visa Card
- Earn up to 15X points at over 14,000 participating merchants in the U.S.
- Get paid up to 2 days early when you sign up for direct deposit
- Annual fee
- See issuer terms
- Recommended credit
- No Credit Required
NerdUp by NerdWallet Credit Card
- Build your credit with no credit check or interest charges
- Earn 1% cash back on purchases
- Annual fee
- None
- Recommended credit
- No Credit Required / Poor
BankAmericard® Credit Card for Students
- Introductory 0% purchase APR for 18 months
- Introductory 0% APR for 18 months on balance transfers made within 60 days of account opening
- Annual fee
- None
- Recommended credit
- Fair / No Credit Required
- Intro APR
- 0% for 21 months from account opening date
Netspend Prepaid Mastercard
- Get paid faster with Netspend Direct Deposit
- No late fees or interest charges
- Annual fee
- None
- Recommended credit
- No Credit Required
Tomo Card
- No credit history required
- No annual fees or security deposit
- Annual fee
- None
- Recommended credit
- No Credit Required
- Purchase APR
- 0%
What to look for
- Alternative underwriting: some issuers consider income and bank account history rather than a score.
- Deposit requirement: decide whether you prefer a secured card or an unsecured starter card.
- Fees: a starter card should not cost much; compare annual and monthly fees closely.