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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.

Topcard
Capital One® Cash Rewards for Newcomers

Caponenewcomers Capital One® Cash Rewards for Newcomers

  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.90% (Variable)* $0* Average Credit *
Additional
Capital One® Secured MasterCard®

Securedmastercard_capitalone_cardart Capital One® Secured MasterCard®

  • Get the credit you need with no application or processing fees
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • Your refundable security deposit can get you a line up to $3,000
  • You may qualify for credit line increases with no further security deposit required
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 22.90% (Variable)* $29* Bad / Limited Credit *
Continental Finance Matrix Discover® Credit Card

Matrix_card_110 Continental Finance Matrix Discover® Credit Card

  • The Continental Finance Matrix Discover® credit card accepts individuals of all credit types
  • No application fees or processing fees
  • Use your card at locations everywhere Discover® is accepted
  • Free online account access 24/7
  • Fast and easy application process; results provided in seconds
  • Build positive credit by making monthly payments on time
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Site* See Site* Bad Credit *
Horizon Gold Credit Card

Horizon-gold-card_art Horizon Gold Credit Card

  • $500 Credit Limit!
  • Guaranteed Approval.
  • No Credit Check.
  • Always 0.0% APR!
  • Fast Online application.
  • No employment check.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 0.00%* N/A* Bad Credit *
American Express® Serve

Serve_americanexpress_cardart American Express® Serve

  • Free sign up and no credit check
  • No monthly or annual fees
  • Get the prepaid card and mobile app
  • Send and receive money by email and text
  • American Express safety and security
  • Link a bank account, debit or credit card; add money with MoneyPak® and use at ATMs*
  • Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access
  • *Terms, conditions and exclusions apply.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* N/A* $0* No Credit Check *
Capital One® Cash Rewards - Average Credit

Cashrewards_capitalone_cardart_2 Capital One® Cash Rewards - Average Credit

  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases until February 2014
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until February 2014* N/A* 19.80% (Variable)* $39* Fair Credit *
MAGIC Prepaid Mastercard® by Magic Johnson

Magic_card_cardart MAGIC Prepaid Mastercard® by Magic Johnson

  • Receive a $10 Bonus Credit*
  • A reloadable card for all your spending needs
  • Act now for No Activation Fee
  • No Bank Account
  • No Credit Checks
  • No Overdraft Fees
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* N/A* $4.95 monthly fee* No Credit Check *
Capital One® Platinum Credit Card

Platinum_capitalone_cardart Capital One® Platinum Credit Card

  • $0 intro annual fee for the first year; $19 after that
  • Image Card - personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with text message alerts
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.90% (Variable)* $0 intro for first year; $19 after that* Average Credit *
First Progress Platinum Select Secured MasterCard

Firstprogress_blackcard_cardart First Progress Platinum Select Secured MasterCard

  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000
  • Free 24/7 Access to Your Account Online
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Bad Credit *
First Progress Platinum Elite MasterCard® Secured Credit Card

154-first-progress First Progress Platinum Elite MasterCard® Secured Credit Card

  • Nationwide Program - though not yet available in NY, IA, AR, or WI
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Get Your Deposit Back at Any Time
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • No Credit History or Minimum Credit Score Required for Approval
  • 24/7 Access to Your Account Online
  • New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 19.99% (Variable)* $29* Bad Credit *

Related Offers

Springleaf Financial Loans

Springleaf

  • Loans from $1,000 - $25,000 or more
  • Lower Interest rates
  • Loans for ANY Reason
  • Loans to meet your needs & fit your budget
  • 1,100 branch locations for your convenience
Springleaf Financial Loans

* See the online credit card application for details about terms and conditions.  Reasonable efforts are made to
maintain accurate information. However, all credit card information is presented without warranty. When you click
on the "Apply Here" button, you can review the credit card terms & conditions on the credit card issuer's website.

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Credit Card 321™ The Easy Guide to Credit Card Offers