Credit Cards For No/Limited Credit

Have a limited credit history or no credit at all? There's a handful of great credit cards you can use to build your credit while earning valuable rewards.

There's a hefty amount of credit cards you can obtain if you have limited credit or no credit at all. These cards can help you build up your credit profile when you make on-time payments and keep your balances low. Several of these top-rated cards also allow you to build up cash back rewards which is superb.

If you have no credit or limited credit because you're a student and you're starting fresh, you'll want to check out our partner's list of Student Credit Cards which are generally the better option if you're beginning your credit journey. You can also check out the cards listed on this page for alternative options.

Credit Cards No/Limited Credit

Jasper Cash Back Mastercard®
Rewards Rate
Up To 6%
Up to 6% cash back by referring friends! Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
Intro Bonus
$100 signup bonus! Apply by May 31, 2021 using promo code RVPROMO to receive a $100 statement credit upon first eligible purchase, if approved. Terms apply.
Annual Fee
$0
Regular APR
15.49% - 24.99% variable
Foreign Transaction Fee
0%
Main Card Highlights
  • Up to 6% cash back by referring friends!
  • Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
  • Cash back not limited to certain categories, earn on almost all everyday purchases
  • No annual fee, no security deposit, no foreign transaction fees
  • Simple, intuitive app to manage your account
  • Unique auto payment options that help you build and maintain your credit score
  • Receive cash back automatically every month as a statement credit after three on time payments
  • Earn cash back as long as your account is in good standing
  • Your cash back maximum varies based on your credit limit.
  • Issued by WebBank, Member FDIC
Petal® 2 'Cash Back, No Fees' Visa® Credit Card
Rewards Rate
1.5%
Up to 1.5% cash back after making 12 on-time monthly payments.
1%
1% cash back on eligible purchases right away.
Annual Fee
$0
Regular APR
12.99% - 26.99% variable
Foreign Transaction Fee
0%
Main Card Highlights
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back from select merchants
  • $500-$10,000 credit limits
  • Variable APRs 12.99%-26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Capital One QuicksilverOne Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
N/A
Annual Fee
$39
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise┬« app, free for everyone
  • Help strengthen your credit for the future with responsible card use
Upgrade Visa® Card with Cash Rewards
Rewards Rate
1.5%
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Annual Fee
$0
Regular APR
8.99% - 29.99% APR
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Capital One Platinum Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$0
Regular APR
26.99%
Main Card Highlights
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • 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 build your credit through responsible use of a card like this
Secured Mastercard® from Capital One
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$0
Regular APR
26.99 variable
Main Card Highlights
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
First PREMIER® Bank Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Issuer Website
Regular APR
See Issuer Website
Main Card Highlights
  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if youÔÇÖre approved!
  • *Build credit by keeping your balance low and paying all your bills on time every month.
Petal® 1 "No Annual Fee" Visa® Credit Card
Rewards Rate
N/A
This card does not offer cash back, points, or miles
Annual Fee
$0
Regular APR
19.99% - 29.49% variable
Main Card Highlights
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500-$5,000 credit limits
  • Variable APRs 19.99-29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
OpenSky® Secured Visa® Credit Card
Rewards Rate
N/A
This card does not offer cash back, points, or miles.
Annual Fee
$35
Regular APR
17.39% variable
Main Card Highlights
  • 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.
First Progress Platinum Select Mastercard® Secured Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$39
Regular APR
13.99% variable
Main Card Highlights
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard┬« Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Total Visa® Unsecured Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa┬« 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
  • Select your favorite card design from our gallery, for free!

Check Your Credit Score

You should always know what's on your credit report and have a good idea of what your credit score is. Listed below are the best options for keeping up to date on your credit score across the major bureaus as well as being notified when there are changes to your credit report.

Use MyFICO to grab a one-time credit score and report or sign up for a monthly membership to receive notifications when there's changes to your credit report. Sign up through The Point Calculator and get 20% off.
Credit Karma is the best option if you want to know what's on your credit report. Sign up for free and get access to your Transunion and Equifax credit reports.
You can shortcut your way to finding great offers by using the CardMatch Tool. See all of your personalized and targeted credit card offers in less than 60 seconds with a soft pull on your credit. No hard credit pull.

Other Credit Options

Get the list of all of rewards credit cards you can use to build your credit. Applicable to those with no credit, bad credit, and fair credit.
Get a list of the best credit cards for fair credit. Continue to build your credit history and improve your score with these cards.
Get a list of the best credit cards for bad credit. Boost your credit by making on-time payments and keeping a low balance.
If you have good credit (670 to 739) or excellent credit (740 to 850), you'll have access to the best of the best when it comes to earning rewards. Search for the best credit cards based on your spend with our tool!

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