Credit Cards for Limited or No Credit
If you have limited or no credit history, getting approved for your first credit card is an important step toward building a strong financial foundation. We've identified the best starter cards — from student options to secured cards — to help you get started on the right foot.
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Top Picks
Mastercard
No Annual Fee
No Foreign Fees
Credit Score
300
620
Bad - Limited
Annual Fee
$0
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
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- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
No Annual Fee
No Foreign Fees
Gas
Credit Score
300
620
Bad - Limited
Annual Fee
$0
Rewards Rate
1.5% Cash Back on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
Credit Score
300
680
Bad - Fair
Annual Fee
$75 - $125
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
Apply Now
On Celtic Bank's website
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
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- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Rates & fees apply. View the
Rates & Fees.
Mastercard
Cash Back
Rewards
No Foreign Fees
Gas
Credit Score
300
680
Limited - Fair
Annual Fee
$39
Rewards Rate
1.5% Cash Back on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
VISA
No Annual Fee
No Foreign Fees
Credit Score
300
680
Limited - Fair
Annual Fee
$0
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
Show 6 more Show less
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
Cash Back
Rewards
Travel
No Annual Fee
No Foreign Fees
Gas
Dining
Student
Credit Score
300
680
Limited - Fair
Intro Offer
Earn $50 Cash Back
when you spend $100 in the first three months
Annual Fee
$0
Rewards Rate
1.5% Cash Back on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
No Foreign Fees
Dining
Credit Score
300
680
Limited - Fair
Annual Fee
$39
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases with a $39 annual fee
- No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
Show 7 more Show less
- Help strengthen your credit for the future with responsible card usage
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
Cash Back
Rewards
Credit Score
300
620
No Credit - Limited
Annual Fee
$29.00
Rewards Rate
Up to 10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.49% (V)
Apply Now
On Synovus Bank's website
- Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- Apply with no impact to your credit!2
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
Rates & fees apply. See issuer's website for full terms.
Mastercard
Cash Back
Rewards
No Annual Fee
Credit Score
300
620
No Credit - Limited
Annual Fee
$0
Rewards Rate
10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
27.49% (V)
Apply Now
On Synovus Bank's website
- Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
Rates & fees apply. See issuer's website for full terms.
Mastercard
Cash Back
Rewards
No Annual Fee
No Foreign Fees
Dining
Student
Credit Score
300
680
Limited - Fair
Intro Offer
Earn $50 Cash Back
when you spend $100 in the first three months
Annual Fee
$0
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Show 7 more Show less
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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