Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide

Credit Cards for Limited or No Credit

These cards indicate that no credit history is required. They are designed for people opening their first account, newcomers to the U.S. credit system and anyone with a thin credit file. Secured and student cards are the most common options.

We may be compensated when you click links to issuer sites. Advertiser Disclosure. Rates, fees and offers vary and change often; confirm current terms on the issuer’s site.

124 cards · select up to 3 to compare side by side

Discover it® Chrome for Students

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all…
Annual fee
None
Recommended credit
Fair / No Credit Required
Intro APR
0% for 6 months from date of account opening date

First Progress Platinum Select Mastercard® Secured Credit Card

  • Get a First Progress Platinum Select Card and Earn 1% Cash Back Rewards!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase…
Annual fee
$39
Recommended credit
Poor / No Credit Required
Purchase APR
18.74% variable based on the Prime Rate

U.S. Bank Secured Visa Credit Card

  • Zero Fraud Liability - You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa card is…
  • Fraud Protection – detects and notifies you of any unusual card activity to help prevent fraud
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
29.24% variable based on the Prime Rate

U.S. Bank Cash+® Visa® Secured Card

  • Earn 5% back on the first $2,000 in combined eligible purchases each quarter in two categories you choose
  • Earn 2% back on the first $2,000 in combined eligible purchases each quarter in one everyday category
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
29.99% variable based on the Prime Rate

Business Advantage Unlimited Cash Rewards Secured Credit Card

  • arn unlimited 1.5% cash back rewards while establishing your business credit
  • Flexible redemption options
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
28.49% variable based on the Prime Rate

Bank of America® Customized Cash Rewards Credit Card for Students

  • Introductory 0% purchase APR for your first 12 months
  • Introductory 0% APR for 15 months
Annual fee
None
Recommended credit
Poor / No Credit Required
Intro APR
0% for 18 months from account opening date

Clearview Student Platinum Mastercard®

  • Emergency cash advance and card replacement
  • Text alerts when the bank detects potentially fraudulent activity on your account 25-day grace period for purchases
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
11.99% to 18.00% variable based on creditworthiness and the Prime Rate

Bank of America® Travel Rewards Credit Card for Students

  • 25,000 bonus points after spending $1,000 within 90 days
  • Earn unlimited 1.5 points per dollar spent on all purchases
Annual fee
None
Recommended credit
Fair / No Credit Required
Intro APR
0% for 18 months from account opening date

SallieSDCCU Cash Rewards Visa Platinum Mae Ignite Card

  • Earn unlimited1% cash back on every purchase, every day
  • Get a 25% bonus on your cash back rewards when you make 6 consecutive on-time payments
Annual fee
None
Recommended credit
Poor / No Credit Required
Intro APR
0% for 6 months from account opening date

Park National Bank Visa Business Cash Card

  • Earn 3% cash back on eligible net purchases from office supply stores and cellular phone, landline, internet and cable…
  • Earn 2% cash back on eligible restaurant and gas station net purchases
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 6 months from account opening date

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

  • Full-Feature Platinum Mastercard* Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Annual fee
$49
Recommended credit
Poor / No Credit Required
Purchase APR
29.24% variable based on the Prime Rate

Capital One® Spark® Cash for Business

  • Earn a one-time $500 cash bonus for spending $4,500 within the first 3 months
  • •Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
Annual fee
$0 intro for the first year, $95 thereafter
Recommended credit
No Credit Required
Purchase APR
26.99% variable based on the Prime Rate

Bank of Missouri Premier Rewards American Express® Card

  • 4 points per $1 spent on eligible net restaurant purchases, 3 points per $1 spent on eligible net airline purchases, 2…
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 Cash Back)
Annual fee
$0 for the first 12 months. After that, $99
Recommended credit
No Credit Required
Purchase APR
13.99% to 22.99% variable based on creditworthiness and the Prime Rate

Capital One Quicksilver Secured Cash Rewards Credit Card

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're…
  • Put down a refundable $200 security deposit to get a $200 initial credit line
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
29.99% variable based on the Prime Rate

Bank of Missouri Cash Rewards American Express® Card

  • 3% cash back on gas on the first $6,000 in annual fuel spending, 2% cash back on supermarket net purchases, and 1% cash…
  • Enjoy chip-enhanced acceptance and security, plus a variety of important features including zero fraud liability…
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 6 months from account opening date

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • You Can't Rebuild credit with a Debit Card. Try First Progress Today! ¹
Annual fee
$49
Recommended credit
Poor / No Credit Required
Purchase APR
14.74% variable based on the Prime Rate

Discover it® Secured Credit Card

  • 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on…
  • Discover automatically matches all the cash back you've earned at the end of your first year
Annual fee
None
Recommended credit
Poor / No Credit Required
Intro APR
10.99% for 6 months from date of first transfer for transfers that…

Bank of America® Customized Cash Rewards Secured Card

  • 3% cash back in the category of your choice: gas and EV charging, online shopping, cable, phone, and internet plans…
  • 2% cash back at grocery stores and wholesale clubs
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
28.24% variable based on the Prime Rate

BB&T Spectrum Travel Rewards for Business Credit Card

  • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible…
  • 0% introductory annual percentage rate for 9 months on purchases
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 9 months from account opening date

BB&T Spectrum Travel Rewards for Business Credit Card

  • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible…
  • 0% introductory annual percentage rate for 9 months on purchases
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 9 months from account opening date