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 CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Extra Card

Credit Recommended:
All Credit Types Considered
Apply Now
Extra Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Minimum Deposit
$0
Rewards Rate 1
Earn up to 1% in points**
Activation Fee
$0
Apply Now on the issuer’s secure website.
Annual Fee
See Terms
Brand Name
Mastercard
Checking Account Required
Yes

Highlights

  • Extra is the first debit card that helps you build your credit and earns reward points.*
  • Earn up to 1% back** in redeemable reward points with every purchase and spend your points on everything from Apple Airpods to Beauty products in the legendary Extra Rewards store.
  • Extra is compatible with over 10,000+ banks* across the United States—keep your money where you want, while spending smarter with Extra.
  • No Credit Checks.
  • No Deposit Required.
  • No interest charges or surprises.
    *Please refer to Extra Card’s Terms of Service and Cardholder Agreement for additional details.
    **With Extra’s Credit Building + Rewards Plan
See additional details for Extra Card

The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Loans provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

Capital One Quicksilver Secured Cash Rewards Credit Card

Credit Recommended:
Limited, Bad
Apply Now
Capital One Quicksilver Secured Cash Rewards Credit Card
Apply Now 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
30.74% (Variable)
Apply Now on the Capital One® secure website.
Minimum Deposit
$200
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
See additional details for Capital One Quicksilver Secured 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.
Monthly Fee
$3/month; $1/month for the 1st year
Late Payment Fee
$10
Return Payment Fee
None

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

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

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

StellarFi Credit Builder Account

Credit Recommended:
Limited/No, Bad, Fair
Apply Now
StellarFi Credit Builder Account
Apply Now on the issuer’s secure website.
Credit Recommended:
Limited/No, Bad, Fair
Credit Check
No
Cost
Plans start at $4.99/mo.
Number of Bureaus
All three credit bureaus
Apply Now on the issuer’s secure website.
Checking Account Required
Yes
Credit Recommended
Limited/No, Bad, Fair
Product Type
Credit-builder that reports all bill payments as credit directly to all major credit bureaus.

Highlights

  • Automatically build your credit score with StellarFi.
  • Pay your monthly household bills through StellarFi and get your payments reported to the three main credit bureaus.
  • Access to free financial and credit education.
  • Easy bill linking and monitoring/tracking.
  • Promotional pricing for new members.
See additional details for StellarFi Credit Builder Account

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.
Late Payment Fee
Up to $41.00*
Cash Advance Fee
Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Credit Recommended
Poor/Damaged/Fair

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®

First Latitude Platinum Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
First Latitude Platinum Mastercard® Secured Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Rewards Rate
1% Cash Back on payments
Annual Fee
$25.00 for the first year, after that $35.00 annually*
Regular APR
24.49% (V)
Apply Now on the issuer’s secure website.
Cash Advance APR
29.49% (V)
Credit Line
Minimum refundable deposit of $100.00 up to $2,000.00*
Credit Recommended
Poor/Limited/No Credit

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
See additional details for First Latitude Platinum Mastercard® Secured Credit Card

Capital One Platinum Secured Credit Card

Credit Recommended:
Limited, Bad
Apply Now
Capital One Platinum Secured Credit Card
Apply Now on the Capital One® secure website.
Credit Recommended:
Limited, Bad
Annual Fee
$0
Minimum Deposit
$49, $99 or $200
Regular APR
30.74% (Variable)
Apply Now on the Capital One® secure website.
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign Trans Fee
None

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

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended:
Poor/Fair/Limited/Damaged
Apply Now
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Fair/Limited/Damaged
Regular APR
9.99% Fixed
Annual Fee
$48
Credit Line
$200 - $1,000
Apply Now on the issuer’s secure website.
Credit Recommended
Poor/Fair/Limited/Damaged
Brand Name
Visa®
Security Deposit
$200 - $1,000

Highlights

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
See additional details for Applied Bank® Secured Visa® Gold Preferred® Credit Card

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
22.70% Variable
Cash Advance APR
27.70% Variable
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:
Poor
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
25.64% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended
Poor
Cash Advance APR
25.64% (variable)
Late Payment Fee
Up to $40

Highlights

  • Limited Time Offer: $51 funding voucher applied for all new accounts. Get a $200 credit line for $149. Click “Apply Now” to see additional terms and conditions.
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
See additional details for OpenSky® Secured Visa® Credit Card

Total Visa® Card

Credit Recommended:
Fair/Bad Credit
Apply Now
Total Visa® Card
Apply Now on the Total Visa® Card secure website.
Credit Recommended:
Fair/Bad Credit
Regular APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Credit Recommended
Fair/Bad Credit
Apply Now on the Total Visa® Card secure website.
Cash Advance APR
35.99%*
Late Payment Fee
Up to $41.00*
Return Payment Fee
Up to $41.00*

Highlights

See additional details for Total Visa® 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
19.99% - 29.99% (Variable)
Apply Now on the Capital One® secure website.
Annual Fee
$0
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Balance Transfer Fee
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

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
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 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

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
Regular APR
29.99% (variable)
Annual Fee
$0
Credit Line
$300-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended
No credit, Poor, Fair
Late Payment Fee
Up to $40
Cash Advance APR
29.99% (variable)

Highlights

  • Limited Time Offer: $200 minimum refundable security deposit. Click “Apply Now” to see additional terms and conditions.
  • 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? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • 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
  • Offer 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 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
See additional details for OpenSky® Plus Secured Visa® Credit Card

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

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Best Credit Cards of 2023

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Issuers

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CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

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.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.

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