Credit Cards for Limited or No Credit History

The following Credit Cards and Prepaid Debit Cards are for people with limited or no credit history. Compare offers side by side and apply online for the card that is right for you.

Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt or has a co-signer over the age of 21 who agrees to accept joint liability for the account.

See offers from our partners below.

Capital One® Platinum Credit Card

APPLY ONLINE

at Capital One's
secure site

Credit Needed
Fair Credit

Pay no annual fee
Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Get access to your account 24 hours a day, 7 days a week
Help strengthen your credit for the future with responsible card use
See additional Capital One® Platinum Credit Card details

APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

24.99% (Variable)

Annual Fee

$0

Credit Needed

Fair Credit

See Rates & Fees

Discover it® for Students

942 customer reviews

APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair Credit

Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
Earn 5% cash back now at Amazon.com, Department Stores, and Sam's Club on up to $1,500 in purchases through Dec 31st when you activate. Plus, unlimited 1% cash back on all other purchases.

Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
See additional Discover it® for Students details

APPLY NOW

at Discover's
secure site

Credit Needed
Fair Credit

Purchases Intro APR

0% for 6 months

Balance Transfers Intro APR

10.99% for 6 months

Regular APR

13.24%-22.24% Variable

Annual Fee

$0

Credit Needed

Fair Credit

See Rates & Fees

Discover it® chrome for Students

458 customer reviews

APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair Credit

Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.

Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
See additional Discover it® chrome for Students details

APPLY NOW

at Discover's
secure site

Credit Needed
Fair Credit

Purchases Intro APR

0% for 6 months

Balance Transfers Intro APR

10.99% for 6 months

Regular APR

13.24% - 22.24% Variable

Annual Fee

$0

Credit Needed

Fair Credit

See Rates & Fees

Capital One® QuicksilverOne® Cash Rewards Credit Card

APPLY ONLINE

at Capital One's
secure site

Credit Needed
Fair Credit

Earn unlimited 1.5% cash back on every purchase, every day
Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017

No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
0% intro APR on purchases for 9 months; 23.24% variable APR after that
Get access to a higher credit line after making your first 5 monthly payments on time
Fraud coverage if your card is ever lost or stolen
See additional Capital One® QuicksilverOne® Cash Rewards Credit Card details

APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit

Purchases Intro APR

0% intro on purchases for 9 months

Balance Transfers Intro APR

0% intro on balance transfers for 9 months

Regular APR

23.24% (Variable)

Annual Fee

$39

Credit Needed

Fair Credit

See Rates & Fees

Capital One® Secured MasterCard®

APPLY ONLINE

at Capital One's
secure site

Credit Needed
Bad Credit

No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus

You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone, or using our mobile app
It's a credit card accepted at millions of locations worldwide
See additional Capital One® Secured MasterCard® details

APPLY NOW

at Capital One's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

24.99% (Variable)

Annual Fee

$0

Credit Needed

Bad Credit

See Rates & Fees

Discover it® Secured Credit Card

APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair/New to Credit

Once approved, your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).
Monthly reviews start at 12 months to see if you qualify to get your security deposit back. Reviews are based on responsible credit management across all of your credit cards and loans.

No annual fee. No late fee on your first late payment. Paying late won't raise your APR.
Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.
FICO® Credit Score for free on monthly statements & online.
See additional Discover it® Secured Credit Card details

APPLY NOW

at Discover's
secure site

Credit Needed
Fair/New to Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

10.99% for 6 months

Regular APR

23.24% Variable

Annual Fee

$0

Credit Needed

Fair/New to Credit

See Rates & Fees

USAA Secured Card® Platinum Visa®

APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.

When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
See additional USAA Secured Card® Platinum Visa® details

APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

10.15%-20.15% (Variable)

Annual Fee

$35

Credit Needed

Bad Credit

See Rates & Fees

Journey® Student Rewards from Capital One®

APPLY ONLINE

at Capital One's
secure site

Credit Needed
Fair Credit

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
There's no limit to the amount of cash back you can earn, and rewards don't expire

Get access to a higher credit line after making your first 5 monthly payments on time
Pay no annual or foreign transaction fees
Fraud coverage if your card is lost or stolen
Pick the monthly due date that works best for you
See additional Journey® Student Rewards from Capital One® details

APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

20.24% (Variable)

Annual Fee

$0

Credit Needed

Fair Credit

See Rates & Fees

USAA Secured Card® American Express® Card

APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.

When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
See additional USAA Secured Card® American Express® Card details

APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

10.15%-20.15% (Variable)

Annual Fee

$35

Credit Needed

Bad Credit

See Rates & Fees

Fingerhut Credit Account

APPLY ONLINE

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit

Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
Take advantage of low monthly payments¹ with a WebBank/Fingerhut Credit Account

Fast, easy online application process and a quick decision
Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC377
¹If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
See additional Fingerhut Credit Account details