No Credit and Limited Credit Credit Cards

Gone are the days when "no credit" meant "bad credit" to banks

In the past, having no credit history made it difficult for consumers to get a credit card. Not anymore! Certain issuers, like Capital One®, realize one cannot have a positive credit history if no one is willing to extend him/her credit. With great features like fixed APR rates and automatic reporting, the no credit credit cards listed here can help you build, rebuild or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your balances below the credit limits.

Below, you can compare interest rates, annual fees, setup fees, and rewards program of some of the most popular credit cards for people with no credit or with limited credit. After you've chosen a card to help you build credit, apply securely online; it's quick and easy.

Capital One® Platinum Credit Card

credit cards for bad credit, capital one, no interest credit card
  • 24-hour travel assistance gives you a replacement card and cash advance
  • $0 intro annual fee for the first year; $19 after that
  • Monitor your spending with free text message alerts
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
24.9%(V) $0 $0 intro for first year; $19 after that Yes Limited to
Average Credit

Capital One® Cash Rewards for Newcomers

capital one cash rewards newcomers
  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
24.9%(V) $0 $0 Yes Limited Credit
Fair Credit OK

Baby Phat Prepaid Visa® RushCard

prepaid baby phat rushcard
  • 100% guaranteed approval* with no credit check!
  • Free direct deposit, $0 activation fee
  • Free credit builder!
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $3.95 - $14.95 See Terms* See Terms* Bad Credit OK

AccountNow® Prepaid Visa®

accountnow prepaid visa card
  • Instant Guaranteed Approval* – no credit check, no security deposit
  • High customer satisfaction!
  • $25 bonus when you set up direct deposit
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $119.40 Yes Bad Credit OK

AccountNow® Prepaid MasterCard®

prepaid debit card, accountnow
  • Reloadable - $10,000 balance limit
  • $0 ACTIVATION FEE – when you load your card by direct deposit
  • $25 bonus when you set up direct deposit! Only takes 60 seconds!
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $119.40 Yes Bad Credit OK

Discover® Student Credit Card

discover student platinum credit cards
  • No Annual Fee
  • Up to 5% rebate
  • Online Bill Payment
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 No

Discover® Open Road℠ Card for Students

Discover Open Road for Students gas rebate card
  • Up to 5% in cash back rebates
  • Earn up to a 20% Cashback Bonus® when you shop at Top Online Retailers*
  • Double your rewards when you redeem for gift cards from over 100 Cashback Bonus® partners
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 Yes

Journey(SM) Student Rewards from Capital One®

cash back student rewards card
  • Designed to help students build good credit with responsible use
  • Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
  • Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8%(V) $0 $0 Yes Average Credit

Green Dot® Prepaid MasterCard®

green dot prepaid card
  • FREE Activation Online - and NO Credit Checks!
  • Free ATM withdrawals at over 18,000 participating ATMs
  • First MoneyPak® load is refunded to you
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $0 See Terms* No Bad Credit OK

Discover® Student Card - Monogram Collection

Discover student cash back monogram card
  • Unlimited cash rewards
  • Up to 20% Cashback Bonus® when you shop online*
  • Personalize your card with a monogram of your initials!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 Yes

Discover® Student Clear Student Credit Card

Discover Student Clear credit card
  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 No

Discover® Student Tropical Beach Student Credit Card

Discover Tropical Beach Student credit card
  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR!
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 No

Prepaid Visa® RushCard

prepaid visa rushcard
  • NO credit checks, 100% guaranteed approval*!
  • Free direct deposit
  • Free credit builder
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $3.95 - $14.95 See Terms* See Terms* Bad Credit OK

Wired Plastic Prepaid Debit Card

Wired Plastic prepaid card
  • No credit checks, no income requirements, no bank account required
  • No bounced check, NSF, or overdraft fees - EVER!
  • FREE rewards program, rewarding you with 1 point per $1 spent
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $39.95 No Bad Credit OK

Horizon Gold Card
Bad Credit / Subprime Card

horizon gold credit card for bad credit
  • Bad credit accepted
  • Guaranteed approval - No employment check!
  • Reports to major credit bureaus, could help improve your credit score
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a n/a n/a Yes Bad Credit OK

Vision Premier® Prepaid Visa® Card

vision prepaid visa
  • Guaranteed Approval*, No Credit Checks!
  • NO overdraft fees or interest charges
  • Low weekly fee is waived with Direct Deposit
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $29.95 $0 No Bad Credit OK

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