Limited/No History

Credit Quality

Issuers

Capital One®

Chase®

Citi®

Mastercard®

Visa®

Other

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If you do not have a credit score, you may qualify for a card in the Limited Credit or No Credit History category. Cards in this category are typically designed to help consumers establish their credit history. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

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Regular APR

35.99%

Cash Advance APR

35.99%

Annual Fee

$75.00 for first year. After that, $48.00 annually.

Credit Recommended:
See website for Details*

on Synovus Bank secure website.

Late Payment Fee

$40

Activation Fee

$95.00 (one-time fee)

Cash Advance Fee

Either $10, or 3% of the amount of the Cash Advance, whichever is greater.

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
Easy and secure online application – It takes just moments to apply.
Issued by Synovus Bank, Member: FDIC

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Regular APR

N/A

Credit Line

Get a max of 1,500

Monthly Fee

Credit Recommended:
Poor to Good

on issuer’s secure website.

Credit Recommended

Get a Max of $1500 in Credit to Shop Zebit!
No Hidden Fees. No FICO® Pulled. No Gotchas!
Buy Now and Pay Over Time for over 90,000 name brand products.
Shop thousands of name brands including Apple, Whirlpool, Gucci, Cuisinart, Samsung, Xbox, Playstation, and more!

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Regular APR

See Provider Website

Annual Fee

See Provider Website

Credit Line

See Provider Website

Credit Recommended:
Bad/Limited/No Credit

on PREMIER Bankcard® secure website.

Credit Recommended

Our mobile app helps you keep track of your spending and payments for greater financial control.
When you need assistance our award-winning US-based Customer Service agents are there to help.
FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.

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Regular APR

28.49% (Variable)

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

Credit Recommended:
Limited/Bad

on Capital One’s secure website.

Minimum Deposit

$200

Cash Advance APR

28.49% (Variable)

Credit Recommended

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

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Regular APR

9.99% Fixed

Annual Fee

$48

Credit Line

$200 – $1,000

Credit Recommended:
Poor/Fair/Limited/Damaged

on issuer’s secure website.

Brand Name

Visa®

Security Deposit

$200 – $1,000

Credit Recommended

Poor/Fair/Limited/Damaged

Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
Absolutely No Credit Check or Minimum Credit Score Required
Automatic Reporting to All Three National Credit Bureaus
9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
Activate Today with a $200 Minimum Deposit – Maximum $1,000.
Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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Annual Fee

Credit Limit

$300 – $10,000

Regular APR

16.74% – 30.74% Variable

Credit Recommended:
Excellent/Good/Limited/No Credit

on WebBank secure website.

Balance Transfer Fee

N/A

Product Type

Consumer

Credit Recommended

No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
Variable APRs range from 16.74% – 30.74%
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
1% cash back on eligible purchases right away
2% – 10% cash back at select merchants
$300 – $10,000 credit limits
No credit score? No problem. If eligible, we’ll create your Cash Score instead.
See if you’re pre-approved within minutes without impacting your credit score.
Build credit alongside hundreds of thousands of Petal card members.
Petal reports to all 3 major credit bureaus.
No deposits required
Card issued by WebBank, Member FDIC

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Rewards Rate 1

1% Cash Back on all purchases

Intro Rewards Bonus Value Description

N/A

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended:
Average, Fair, Limited

on Capital One® secure website.

Annual Fee

Balance Transfer Fee

$0 at this Transfer APR

Foreign Trans Fee

None

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
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
Pick the monthly due date that works best for you
Pay for Amazon.com purchases using your Capital One rewards
Pay for online purchases with virtual card numbers and keep your actual card number to yourself
Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
Build your credit with responsible card use

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Credit Line

$200, which doubles to $400 if you qualify

Regular APR

21.20% Variable

Cash Advance APR

26.20% Variable

Credit Recommended:
See website for Details

on Merrick Bank secure website.

Annual Fee

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

Minimum Deposit

$200

Late Payment Fee

Up to $40

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.

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Regular APR

22.99% (V)

Annual Fee

$25 for the first year, after that $35 annually

Cash Advance APR

27.99% (V)

Credit Recommended:
See website for Details*

on issuer’s secure website.

Credit Line

See website for Details*

Credit Recommended

Start Building Your Credit with as Little as $100
Pay a Deposit (as Little as $100! Or up to $2000)
Quick and Easy Online Application
No Credit History or Minimum Credit Score Required!
Get a Platinum Mastercard (Bank Account Required)
Reports to all 3 Major Credit Bureaus
Credit Reporting Starts Immediately when your Account is Opened
*Just pay your bill on time to continue establishing your credit
First Latitude Mastercard is Accepted Nationwide and Online
Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

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Credit Limit

$750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR

0% APR

Monthly Fee

See website for Details*

Credit Recommended:
Damaged/Fair

on Issuer’s® secure website.

Credit Limit

Damaged/Fair

No Employment or Credit Check
Bad Credit, No Credit? No Problem!
Fast and Easy Application

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Credit Line

$750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR

0% APR

Monthly Fee

See website for Details*

Credit Recommended:
Damaged credit to Fair credit

on issuer’s secure website.

Credit Recommended

Damaged credit to Fair credit

No Employment or Credit Check
Bad Credit, No Credit – OK
Always 0.0% APR
Fast Online Applications

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Annual Fee

$35 – $99*

Regular APR

24.9%

Credit Recommended

Poor/Bad

Credit Recommended:
Poor/Bad

On the Milestone Gold Mastercard® secure website

Easy pre-qualification process which does not affect your credit score
Less than perfect credit is okay
24/7 access to your account information, even on mobile
Protection from fraud, if your card happens to be lost or stolen
Reports to all three major credit bureaus

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Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Minimum Deposit

$49, $99 or $200

Purchase Grace Period

25 days

Credit Recommended:
Fair/Bad/Limited/No Credit

on Capital One® secure website.

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

Foreign Trans Fee

None

No annual or hidden fees. See if you’re approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app

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Regular APR

21.14% (variable)

Annual Fee

$35

Credit Line

$200-$3000 at time of application

Credit Recommended:
Poor

on Issuer’s secure website.

Cash Advance APR

21.14% (variable)

Late Payment Fee

Up to $38

Credit Recommended

No credit check to apply and find out instantly if you are approved
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
*View the cardholder agreement

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Regular APR

See Terms*

Annual Fee

See Terms*

Credit Line

See Terms*

Credit Recommended:
Fair/Bad Credit

on the Total Visa® Card secure website.

Credit Recommended

Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
Checking Account Required
Fast and easy application process; response provided in seconds
A genuine Visa credit card accepted by merchants nationwide across the USA and online
Manageable monthly payments
$300 credit limit (subject to available credit)
Reports monthly to all three major credit bureaus

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*See online credit card application for details on the terms and conditions.

Best Credit Cards of 2022

Rewards

Cash Back

Travel

Balance Transfer

Low Interest

Business

Student

Prepaid

Secure

No Annual Fee

Tap To Pay

Credit Quality

Excellent

Good

Fair

Poor

Bad

Limited No Score

Issuers

Capital One®

Chase®

Citi®

Mastercard®

Visa®

Other

As featured on:

Company Info

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