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Compare credit cards for no credit

There are plenty of secured and student cards to choose from.

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Our pick if you're new to credit: Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2

No credit required

  • No fees and $0 annual fee
  • Get 2% - 10% back from select merchants
  • Earn up to 1.5% cash back after meeting responsible spending requirements
Apply now
If you want a credit card but have no credit history, there are plenty of options — as long as you limit your search mostly to secured and student cards. In some cases, you can apply with providers that have proprietary methods to screen applicants with no credit.

Best secured card for no credit
OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card logo
Finder Rating: 3.8 / 5


Credit recommended (300-669)
Apply now
on Capital Bank N.A.'s secure site
Min. credit score
Annual fee
Welcome offer
A rare secured card for no credit that lets you apply with no credit check.
  • Build your credit. The card reports to all three major credit bureaus, which can help strengthen your credit. All you have to do is keep your utilization low and make timely payments.
  • No credit check. OpenSky only uses your ID to confirm your identity — it won't do a credit pull.
  • Credit line. You have full control over your credit line, as it's the sum of your security deposit. You can make a deposit from $200 up to $3,000.
  • Annual fee. The card comes with a $35 annual fee.
Annual Fee $35
Purchase APR 17.39% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards N/A

Best unsecured card for no credit
Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2
Finder Rating: 2.9 / 5


Credit recommended (600-850)
Apply now
on WebBank's secure site
Rates & fees

Min. credit score
Annual fee
Up to 1.5%
Cash back
Welcome offer
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.
  • No credit history required. To be approved for most rewards credit cards, you need a good or excellent credit score. Petal, on the other hand, analyzes your income and financial records, including your checking accounts and bill payments to determine your eligibility.
  • Cash back. Earn 1% cash back on all eligible purchases. Make six on-time monthly payments and your rewards rate goes up to 1.25%. After 12 on-time monthly payments, your cash back rate will increase again to 1.5%. As of December 2019, Petal awards you with 2% to 10% cash back at select merchants.
  • No fees. You won't pay an annual fee for the card, no foreign transaction fees when using the card abroad or overlimit and late payment fees.
  • No signup bonus. Most similar cards come with a signup bonus in one form or another. Unfortunately, you won't get anything extra with the Petal® 2 "Cash Back, No Fees" Visa® Credit Card.
Annual Fee $0
Purchase APR 12.99% to 26.99% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards 1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants

Best for those moving to the US
Jasper Mastercard®

Jasper Mastercard® logo
Credit recommended (580-850)
Apply now
on WebBank's secure site
Rates & fees

Min. credit score
Annual fee
Up to 1%
Cash back
Welcome offer
The Jasper Mastercard® is designed for professionals relocating to the US and doesnt check for credit score as a result. In fact, you dont even need a Social Security number to apply.
  • No credit history required. Jasper will look at other aspects of your financial history to determine your eligibility, such as your work history and debt-to-income ratio.
  • No annual fee. You won't pay an annual fee to use this card.
  • No security deposit required. The Jasper Mastercard® is an unsecured credit card and doesn't require a security deposit.
  • No signup bonus. This card doesn't offer new cardholders the opportunity to earn a signup bonus.
Annual Fee $0
Purchase APR 15.49% to 24.99% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards 1% cash back on all purchases

Best for no upfront deposit
Self Visa® Credit Card

Self Visa® Credit Card logo
Credit recommended (300-699)
Apply now
on Self Financial, Inc.'s secure site
Min. credit score
Annual fee
Welcome offer
The Self Visa® Credit Card is unique in that it just requires you open a credit building account with Self to qualify.
  • No credit history required. To apply, you'll need to open a credit-building account with Self and meet their requirements. You won't pay an annual fee to use this card.
  • Choose your own credit limit. Once you qualify for the Self Visa, you can choose your own credit limit based on the amount you saved in your Self account.
  • No rewards. This card doesn't offer opportunities to earn rewards on purchases.
Annual Fee $25
Purchase APR 21.74% variable
Balance transfer APR N/A
Welcome offer N/A
Rewards N/A

How do I get a credit card if I’m an immigrant in the US?

If you’re just moving to the US, you’ll want to look at credit cards that cater to those without prior credit history and a Social Security number. Though your choices are more limited than traditional credit cards, you do have several strong no-credit options for immigrants.

How to get a credit card with no credit

To get a credit card with no credit:

  • Look for a card that’s open to those in your financial circumstances. These typically include secured and student cards, but may include unsecured and store products. Avoid cards that are stacked with features, as they usually require strong credit.
  • Check the requirements. Depending on the type of card, you may need to supply a security deposit.
  • Apply for the card. Have information such as your contact details, Social Security number and total annual income on hand. If you’re applying for a secured card, you’ll need to provide the bank info from which you’re supplying your security deposit.
Here are a few tips to increase your odds of approval:
  • Check reviews to see if a card is open to applicants new to credit. We include this information with every review at Finder.
  • Read the issuer’s requirements to see if you qualify. Issuers often include details on their card pages on guidelines for getting approval.
  • Apply for cards one at a time. Take your time and research cards you have a high likelihood of qualifying for. Then, narrow your choice to one card and apply for that one.

How to start building credit

If you have no credit history, follow these steps to start building it:

  1. Decide on a credit account.
    Compare different types of credit accounts that can help you start accumulating data on your credit report. You can open a credit card, for example, or get a credit-builder loan.
  2. Compare lenders or issuers.
    Make sure your lender reports your activity to the three major US credit bureaus: TransUnion, Equifax and Experian. Over time, this gets you a credit score derived from the information from these bureaus. This is important because lenders often pull credit reports from just one bureau when making approval decisions.
  3. Make payments consistently.
    Once you’re approved for a credit account, make your payments on time and keep your account in good standing. This will ensure your lender reports positive activity to the credit bureaus. After at least six months of credit activity, you’ll get a credit score.

The aim is to eventually build a good credit score — at least 670 for your FICO score. This gives you the opportunity to apply for more valuable credit cards and get better interest rates on loans. There are four types of credit-building credit cards that are especially useful if you’re just starting out.

How credit cards can help you build credit

One of the best ways to beef up your credit report is by opening a credit card.

Look for a product that’s available to someone new to credit — such as a secured card. As you spend with your card and pay your card bill on time, your provider will report your positive payment activity to the credit bureaus. Eventually, you’ll get a credit score. And as you continue being a responsible cardholder, you’ll steadily see your score rise.

Types of credit cards for no credit

You’ll want to apply for credit cards you have a good chance of being approved for. These include:

  • Secured credit cards.
    A secured card requires an upfront deposit — typically at least $200. While the deposit is a bummer, you’ll have many secured cards to choose from. Most of these cards require no prior credit history.
  • Student credit cards.
    These can be great options if you’re enrolled in a college or university. Most student credit cards don’t require security deposits, unlike secured cards.
  • Business credit cards for no credit.
    If you’re a business owner, you might want this type of card to separate your personal and business expenses. While you’re mostly limited to secured cards, you might also want to consider a line of credit such as the The Kabbage Card.
  • Unsecured cards for no credit.
    If you don’t want to put down a deposit for a secured card, look for providers that welcome applicants new to credit. Consider products such as the Deserve® Classic Card and Petal® 2 "Cash Back, No Fees" Visa® Credit Card.

How to choose a credit card for no credit

When you’re looking for the right credit card for no credit, you’ll want to ask yourself a few questions to narrow down your choices:

  • Do you have a Social Security number? If you’re an immigrant to the US, you’ll want to see if the card requires an SSN to apply.
  • Are you still in school? There are a variety of credit cards designed for students. These are often preferable options if you qualify for them.
  • Do you need a business card? You’ll find a few no-credit options designed specifically for businesses.
  • Do you intend on carrying a balance? If so, you’ll want to choose a card with a low APR. It’s also wise to look for a card with low fees just in case you’re worried about missing payments in the early months.

Credit cards for no credit screenshot 2
You might see an unsecured card and jump at the chance to apply. But a closer look at its fee table may reveal extremely high fees and interest rates.

What is considered no credit?

If you have no credit, it means you have no history on your credit report.

Your credit report is a record that shows information such as your debt, payment history and how long you’ve had credit accounts. If you haven’t borrowed money — for example, through a loan or credit card — you won’t have a credit history.

A credit history is important because it’s similar to a report card. It’s something lenders can use to judge how reliable of a borrower you are. If you have no credit, you’re a question mark to lenders, and they’ll be more hesitant to accept you as a customer.

Why is it important to build credit?

Your credit score plays an important role in whether providers are willing to lend to you when it comes to making big purchases. Personal loans, mortgages, and auto loans are just a few of the big-ticket items you’ll need to consider as you make life’s big purchases. Depending on your credit score, the amount a provider is willing to loan you can increase or decrease.

You can check your credit score through one of the three major credit bureaus.

Bottom line

If you have no credit, there are plenty of good credit cards to start with. As you make card payments on time, you’ll steadily build your credit score. With a strong score, you can apply for better credit cards, including cashback and travel products.

Frequently asked questions

  • What is the difference between a secured card and an unsecured card?
    You must put down a deposit to open a secured card. An unsecured card doesn’t have this requirement.
  • Do I build a credit score only by making payments on time?
    That’s a large part of it, but it’s not everything. You can also help your score by keeping your card balance low, retaining your cards for a long time, opening other types of credit accounts and opening new accounts sparingly.
  • Why should I consider unsecured-card providers like Deserve and Petal?
    These providers have proprietary methods to evaluate applicants, so they don’t require credit scores. Also, you won’t pay annual fees for their credit cards.

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