Credit Cards for Limited / No Credit

A "limited credit" rating indicates that you have had very little credit in your name and lack the established credit history required for approval by many credit card issuers. Similarly, a credit rating of "no credit" indicates that you have never had a credit card or loan reported on your credit history, thus limiting your options for obtaining your first credit card. See below for today's top credit card and prepaid credit card offers available to those with limited/no credit, along with links to each card's secure online application.

Advertiser Disclosure
Fingerhut Credit Account issued by WebBank
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt.
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
$0
Credit Needed
Fair/Bad Credit *
OpenSky® Secured Visa® Credit Card
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
18.39% Variable
Annual Fee
$35
Credit Needed
No Credit Check *
Horizon Gold Credit Card
  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$24.95 benefits plan membership will be auto-debited monthly
Credit Needed
Bad Credit *