Limited/No History

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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 Score today. Once you know your credit score, match it to a list of credit cards options for your score.

Capital One Quicksilver Secured Cash Rewards Credit Card

Credit Recommended:
Limited, Bad
Check Pre-Approval
Capital One Quicksilver Secured Cash Rewards Credit Card
Check Pre-Approval on the Capital One® secure website.
Credit Recommended:
Limited, Bad
Rewards Rate 1
1.5% Cash Back on every purchase, every day
Annual Fee
$0
Regular APR
29.99% (Variable)
Check Pre-Approval on the Capital One® secure website.
Minimum Deposit
$200
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee
None

Highlights

  • 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
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
Rates & Fees

Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Net First Platinum
Apply Now on the issuer’s secure website.
Credit Recommended:
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on the issuer’s secure website.
Credit Recommended
Damaged credit to Fair credit

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
See additional details for Net First Platinum

*See Card for Details

Group One Platinum Card

Credit Recommended:
Damaged/Fair
Apply Now
Group One Platinum Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Damaged/Fair
Credit Limit
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on the issuer’s secure website.
Credit Recommended
Damaged/Fair

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
See additional details for Group One Platinum Card

Capital One Quicksilver Student Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now
Capital One Quicksilver Student Cash Rewards Credit Card
Apply Now on the Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Rewards Rate 1
1.5% Cash Back on every purchase, every day
Intro Rewards Bonus
Earn $50 Cash Back when you spend $100 in the first three months
Regular APR
19.49% - 29.49% (Variable)
Apply Now on the Capital One® secure website.
Annual Fee
$0
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Purchase Grace Period
25 days

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • 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
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
See additional details for Capital One Quicksilver Student Cash Rewards Credit Card
Rates & Fees

Arro Card

Credit Recommended:
All Credit Types Accepted
Apply Now
Arro Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Accepted
Regular APR
16% Variable
Credit Recommended
All Credit Types Accepted
Card Brand
Mastercard®
Apply Now on the issuer’s secure website.
Late Payment Fee
Up to $8
Return Payment Fee
None
Annual Fee
$36* (*discounted in Year 1 for starting credit lines under $200)

Highlights

  • All credit types accepted.
  • Arro's soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
See additional details for Arro Card

First Digital Mastercard®

Credit Recommended:
Poor/Damaged/Fair
Apply Now
First Digital Mastercard®
Apply Now on the First Digital secure website.
Credit Recommended:
Poor/Damaged/Fair
Regular APR
35.99%*
Cash Advance APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Apply Now on the First Digital secure website.
Cash Advance Fee
Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Credit Recommended
Poor/Damaged/Fair
Program Fee
$95.00*

Highlights

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • 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.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details
See additional details for First Digital Mastercard®

Capital One Platinum Secured Credit Card

Credit Recommended:
Limited, Bad
Check Pre-Approval
Capital One Platinum Secured Credit Card
Check Pre-Approval on the Capital One® secure website.
Credit Recommended:
Limited, Bad
Annual Fee
$0
Minimum Deposit
$49, $99 or $200
Regular APR
29.99% (Variable)
Check Pre-Approval on the Capital One® secure website.
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee
None
Product Type
ConsumerCard

Highlights

  • 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
See additional details for Capital One Platinum Secured Credit Card
Rates & Fees

Upgrade Select Visa®

Credit Recommended:
See website for Details*
Apply Now
Upgrade Select Visa®
Apply Now on the Upgrade secure website.
Credit Recommended:
See website for Details*
Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
21.96% -29.99%
Apply Now on the Upgrade secure website.
Intro Transfer APR
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a card with the predictability of a personal loan
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • See if you qualify in seconds with no impact to your credit score
  • No touch payments with contactless technology built in
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
See additional details for Upgrade Select Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees

Merrick Bank Secured Credit Card

Credit Recommended:
See website for Details*
Apply Now
Merrick Bank Secured Credit Card
Apply Now on the Merrick Bank secure website.
Credit Recommended:
See website for Details*
Credit Line
$200-$3,000, depending on deposit amount
Regular APR
22.95% Variable
Cash Advance APR
27.95%
Apply Now on the Merrick Bank secure website.
Minimum Deposit
$200
Annual Fee
$36 for first year. Billed $3 per month thereafter
Cash Advance Fee
4% Min: $10

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • 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.
See additional details for Merrick Bank Secured Credit Card

OpenSky® Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Regular APR
24.89% (variable)
Credit Line
$200-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Annual Fee
$35
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
24.89% (variable)

Highlights

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
See additional details for OpenSky® Secured Visa® Credit Card

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Plus Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Regular APR
29.24% (variable)
Credit Line
$300-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Annual Fee
$0
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
29.24% (variable)

Highlights

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
See additional details for OpenSky® Plus Secured Visa® Credit Card

Self - Credit Builder Account + Secured Visa® Credit Card

Credit Recommended:
None/Poor
Get Started
Self - Credit Builder Account + Secured Visa® Credit Card
Get Started on the Self's secure website.
Credit Recommended:
None/Poor
Primary Benefit
Build credit and savings at the same time.
Credit Check
No Hard Credit Check Required
Products Offered
Credit Builder Account and Self Secured Credit Card
Get Started on the Self's secure website.
Credit Recommended
None/Poor
Loan Amount
See website for details*

Highlights

  • If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the Self Secured Visa Credit Card*, without a hard credit check. Criteria subject to change.
  • Build credit and savings at the same time.
  • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.
  • At the end of your plan, unlock the savings you built - minus interest and fees.
  • The Self Visa® Secured Credit Card* is accepted at millions of locations in the U.S.
    *Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa(r) Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The secured Self Visa(r) Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
See additional details for Self - Credit Builder Account + Secured Visa® Credit Card

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

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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