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 access to credit††
Great for access to credit††
OpenSky® Secured Credit Visa® Card
Min. deposit
$200RefundableRegular purchase APR
22.14%* VariableAnnual fee
$35
Min. deposit
$200 Refundable
Regular purchase APR
22.14%* Variable
Annual fee
$35
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
Great for access to credit††
Great for access to credit††
First Progress Platinum Select Mastercard® Secured Credit Card
Min. deposit
$200RefundableRegular purchase APR
18.99%* VariableAnnual fee
$39Rewards rate
1%Cash back
Min. deposit
$200 Refundable
Regular purchase APR
18.99%* Variable
Annual fee
$39
Rewards rate
1% Cash back
- Build, Strengthen, Or Rebuild Your Credit Starting with a $200 Deposit.¹
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Capital One Platinum Secured Credit Card
Min. deposit
$49, $99 or $200RefundableRegular purchase APR
29.99% (Variable)Annual fee
$0
Min. deposit
$49, $99 or $200 Refundable
Regular purchase APR
29.99% (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 cash back and no fees††
Great for cash back and no fees††
Petal® 2 Visa® Credit Card
Rewards rate
1% - 10%Cash backAnnual fee
$0
Rewards rate
1% - 10% Cash back
Annual fee
$0
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.74% - 31.74%
Great for access to credit††
Great for access to credit††
First Progress Platinum Prestige Mastercard® Secured Credit Card
Min. deposit
$200RefundableRegular purchase APR
14.99%* VariableAnnual fee
$49Rewards rate
1%Cash back
Min. deposit
$200 Refundable
Regular purchase APR
14.99%* Variable
Annual fee
$49
Rewards rate
1% Cash back
- You Aren't Stuck with Bad Credit. Start Rebuilding with a First Progress Prestige Credit Card!¹
- Earn 1% Cash Back Rewards on payments made to your First Progress Prestige Secured credit card account.
Great for establishing a credit history††
Great for establishing a credit history††
First Progress Platinum Elite Mastercard® Secured Credit Card
Min. deposit
$200RefundableRegular purchase APR
24.99%* VariableAnnual fee
$29
Min. deposit
$200 Refundable
Regular purchase APR
24.99%* Variable
Annual fee
$29
- Build, Strengthen, Or Rebuild Your Credit Starting with a $200 Deposit.¹
- No Credit History or Minimum Credit Score Required for Approval
Great for maximizing bonus cash back††
Great for maximizing bonus cash back††
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 – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Prosper® Card
Regular purchase APR
23.99% - 34.99%* VariableAnnual fee
$0 intro with auto pay, then $39 after first year
Regular purchase APR
23.99% - 34.99%* Variable
Annual fee
$0 intro with auto pay, then $39 after first year
- We welcome applicants with less-than-perfect credit
- $0 first year annual fee with AutoPay
Great for building credit with no annual fee††
Great for building credit with 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
- $0 Annual Fee
- Variable APRs range from 24.74% - 34.24%
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 – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
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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.