Credit cards for no credit
We recommend these cards from our partners.
CK Editors’ Tips††: Credit cards for no credit can help you establish a credit history, and some even come with rewards.Read more
What to consider when choosing a credit card for no credit
Credit cards for no credit can come with cool features like rewards and other perks, but it’s worth remembering that their primary use is to help you establish a credit history. While there’s no problem with looking for bonus rewards rates, don’t forget to look for cost-effective features like no annual fee and a relatively low purchase APR. If you do, you can avoid expensive costs that might wipe out any value you get from rewards.
Credit cards for no credit can come with cool features like rewards and other perks, but it’s worth remembering that their primary use is to help you establish a credit history. While there’s no problem with looking for bonus rewards rates, don’t forget to look for cost-effective features like no annual fee and a relatively low purchase APR. If you do, you can avoid expensive costs that might wipe out any value you get from rewards.
How we picked the best credit cards for no credit
Our best credit cards for no credit can help you build a credit history while keeping your costs relatively low. While we selected several rewards cards, our main aim was to pick cards that won’t charge high fees just for the ability to build credit. We also picked both secured and unsecured credit cards because either type of card might be right for you depending on the circumstances. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksOur best credit cards for no credit can help you build a credit history while keeping your costs relatively low. While we selected several rewards cards, our main aim was to pick cards that won’t charge high fees just for the ability to build credit. We also picked both secured and unsecured credit cards because either type of card might be right for you depending on the circumstances. Read more about our methodology for picking the best credit cards.
Great for no annual fee††
Great for no annual fee††
Petal® 1 Visa® Credit Card
Rewards rate
2% - 10%Cash backAnnual fee
$0
Rewards rate
2% - 10% Cash back
Annual fee
$0
- No annual fee, and no security deposit required
- 2-10% cash back at select local and national merchants
Great for a low purchase APR††
Great for a low purchase APR††
First Progress Platinum Select Mastercard® Secured Credit Card
Min. deposit
$200RefundableRegular purchase APR
17.99%* VariableAnnual fee
$39Rewards rate
1%Cash back
Min. deposit
$200 Refundable
Regular purchase APR
17.99%* Variable
Annual fee
$39
Rewards rate
1% Cash back
- Choose the First Progress Select Card for a Lower Annual Fee!
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Great for no credit check††
Great for no credit check††
opensky® Secured Visa® Credit Card
Min. deposit
$200RefundableRegular purchase APR
24.64%* VariableAnnual fee
$35Rewards rate
10%Cash back
Min. deposit
$200 Refundable
Regular purchase APR
24.64%* Variable
Annual fee
$35
Rewards rate
10% Cash back
- Earn up to 10% cash back on everyday purchases
- No credit check to apply—Fast approval process, get your results quickly - Zero credit risk to apply!
Great for a lower security deposit††
Great for a lower security deposit††
Capital One Platinum Secured Credit Card
Min. deposit
$49, $99 or $200RefundableRegular purchase APR
29.49% (Variable)Annual fee
$0
Min. deposit
$49, $99 or $200 Refundable
Regular purchase APR
29.49% (Variable)
Annual fee
$0
- No credit score required to apply, but may be used if available
- No annual or hidden fees. See if you're approved in seconds
Great for automatic credit limit increases††
Great for automatic credit limit increases††
Double Your Line® Platinum Mastercard®
Regular purchase APR
29.95%* VariableAnnual fee
$0
Regular purchase APR
29.95%* Variable
Annual fee
$0
- Initial Credit Line $1,000 - $1,500, Doubling to $2,000 - $3,000
- Credit limits DOUBLE AUTOMATICALLY after making at least your minimum payment on time for the first 7 months
Great for rewards with no credit history††
Great for rewards with no credit history††
Petal® 2 Visa® Credit Card
Rewards rate
1% - 10%Cash backAnnual fee
$0
Rewards rate
1% - 10% Cash back
Annual fee
$0
- No annual fee– in fact, no fees of any kind
- Up to 1.5% cash back on unlimited everyday purchases (1% right away increases to 1.25% after 6 monthly on time payments and 1.5% after another 6 monthly on time payments)
Great for a low purchase APR††
Great for a low purchase APR††
First Progress Platinum Prestige Mastercard® Secured Credit Card
Min. deposit
$200RefundableRegular purchase APR
13.99%* VariableAnnual fee
$49Rewards rate
1%Cash back
Min. deposit
$200 Refundable
Regular purchase APR
13.99%* Variable
Annual fee
$49
Rewards rate
1% Cash back
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply Now and Fund your Security Deposit over 90 days with the Option to make Partial Payments.
Great for access to credit††
Great for access to credit††
Merrick Bank Secured Credit Card
Regular purchase APR
22.70%* VariableAnnual fee
$36 the first year. Billed $3 per month thereafter
Regular purchase APR
22.70%* Variable
Annual fee
$36 the first year. Billed $3 per month thereafter
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Great for rotating cash back categories††
Great for rotating cash back categories††
Discover it® Student Cash Back
Rewards rate
1% - 5%Cash backAnnual fee
$0
Rewards rate
1% - 5% Cash back
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Great for commuter students††
Great for commuter students††
Discover it® Student Chrome
Rewards rate
1% - 2%Cash backAnnual fee
$0
Rewards rate
1% - 2% Cash back
Annual fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.