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.
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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.
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’ picks

Great for access to credit††
OpenSky® Secured Credit Visa® Card
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OpenSky® Secured Credit Visa® Card

Great for access to credit††

OpenSky® Secured Credit Visa® Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    21.64%*
    Variable
  • Annual fee

    $35
Min. deposit

$200 Refundable

Regular purchase APR

21.64%* Variable

Annual fee

$35

Great for access to credit††
First Progress Platinum Select Mastercard® Secured Credit Card
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First Progress Platinum Select Mastercard® Secured Credit Card

Great for access to credit††

First Progress Platinum Select Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    18.24%*
    Variable
  • Annual fee

    $39
Min. deposit

$200 Refundable

Regular purchase APR

18.24%* Variable

Annual fee

$39

Capital One Platinum Secured Credit Card
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Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

  • Min. deposit

    $49, $99 or $200
    Refundable
  • Regular purchase APR

    29.74% (Variable)
  • Annual fee

    $0
Min. deposit

$49, $99 or $200 Refundable

Regular purchase APR

29.74% (Variable)

Annual fee

$0

Great for cash back and no fees††
Petal® 2 Visa® Credit Card
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Petal® 2 Visa® Credit Card

Great for cash back and no fees††

Petal® 2 Visa® Credit Card

  • Rewards rate

    1% - 1.5%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 1.5% Cash back

Annual fee

$0

Great for access to credit††
First Progress Platinum Prestige Mastercard® Secured Credit Card
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First Progress Platinum Prestige Mastercard® Secured Credit Card

Great for access to credit††

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    14.24%*
    Variable
  • Annual fee

    $49
Min. deposit

$200 Refundable

Regular purchase APR

14.24%* Variable

Annual fee

$49

Great for establishing a credit history††
First Progress Platinum Elite Mastercard® Secured Credit Card
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First Progress Platinum Elite Mastercard® Secured Credit Card

Great for establishing a credit history††

First Progress Platinum Elite Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    24.24%*
    Variable
  • Annual fee

    $29
Min. deposit

$200 Refundable

Regular purchase APR

24.24%* Variable

Annual fee

$29

Great for access to credit††
Merrick Bank Secured Credit Card
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Merrick Bank Secured Credit Card

Great for access to credit††

Merrick Bank Secured Credit Card

  • Regular purchase APR

    21.70%*
    Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Regular purchase APR

21.70%* Variable

Annual fee

$36 the first year. Billed $3 per month thereafter

Great for commuter students††
Discover it® Student chrome
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Discover it® Student chrome

Great for commuter students††

Discover it® Student chrome

  • Rewards rate

    1% - 2%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 2% Cash back

Annual fee

$0

Great for maximizing bonus cash back††
Discover it® Student Cash Back
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Discover it® Student Cash Back

Great for maximizing bonus cash back††

Discover it® Student Cash Back

  • Rewards rate

    1% - 5%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 5% Cash back

Annual fee

$0

Prosper® Card
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Prosper® Card

Prosper® Card

  • Regular purchase APR

    23.24% - 34.24%*
    Variable
  • Annual fee

    $0 intro with auto pay, then $39 after first year
Regular purchase APR

23.24% - 34.24%* Variable

Annual fee

$0 intro with auto pay, then $39 after first year

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†† The opinions you read here come from our editorial team. 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.