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.

Find The Card for You

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Find The Card for You
Search Now on the CreditSoup.com secure website.
Cost
No Charge to Find Out if You're Eligible
Credit Limit
Varies Based On The Card You Choose
Card Types
Cards for Every Credit Type
Search Now on the CreditSoup.com secure website.

Highlights

  • Cards for every credit score.
  • See if you're eligible with no impact to your credit.
  • Get personalized card offers in seconds.
  • Compare your offers and apply with confidence.
See additional details for Find The Card for You

Firstcard® Secured Credit Builder Card

Apply Now
Firstcard® Secured Credit Builder Card
Apply Now on the issuer’s secure website.
Primary Benefit
Build credit fast with 0% APR
Cost
See website for Details*
Coverage
Nationwide
Apply Now on the issuer’s secure website.
Credit Monitoring
Yes

Highlights

  • Build credit faster with 0% APR!
  • You’re pre-approved. No credit check or hard inquiry!
  • Firstcard users see their credit scores increase 52+ points on average within 3 months*
  • Report to all three credit bureaus: Experian, TransUnion, and Equifax
  • Get an in-depth monthly credit report with Firstcard Premium
  • Earn up to 4% APY on your deposit
See additional details for Firstcard® Secured Credit Builder Card

Atlas Rewards Credit Card

Credit Recommended:
All Credit Considered
Apply Now
Atlas Rewards Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Considered
Regular APR
0%
Rewards Rate
Up to 3% cash back on Gas, Food Delivery, Coffee Shops and more
Number of Bureaus
TransUnion and Experian
Apply Now on the issuer’s secure website.
Credit Recommended
All Credit Considered
Coverage
All U.S. states, except for NV, SD, and VT

Highlights

  • Cash back on gas, subscriptions and more
  • Safe spending limits that grow with you
  • No credit history required
See additional details for Atlas Rewards Credit 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

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
Rewards Rate
1% Cash Back
Credit Limit
$300
Checking Account Required
Yes
Apply Now on the First Digital secure website.
Regular APR
35.99%*
Program Fee
$95.00*
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®

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
24.99%
Credit Recommended
All Credit Types Accepted
Card Brand
Mastercard®
Apply Now on the issuer’s secure website.
Late Payment Fee
Up to $38
Return Payment Fee
$0
Annual Fee
$60* (*discounted in Year 1 for starting credit lines under $300)

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
See additional details for Arro 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
Credit Line
$200-$3000 at time of application
Annual Fee
$35
Apply Now on the Capital Bank N.A. secure website.
Regular APR
24.39% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
24.39% (variable)

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
See additional details for opensky® Secured Visa® 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
Minimum Deposit
$200
Annual Fee
$36 for first year. Billed $3 per month thereafter
Apply Now on the Merrick Bank secure website.
Regular APR
22.45% Variable
Cash Advance APR
27.45% Variable
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

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

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
Credit Line
$300-$3000 at time of application
Annual Fee
$0
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.74% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
28.74% (variable)

Highlights

  • No annual fee – keep more money in your pocket!
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Earn up to 10% cash back on everyday purchases
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
See additional details for opensky® Plus Secured Visa® Credit Card

opensky® Launch Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
opensky® Launch 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
Credit Line
$100- $1,000
Minimum Deposit
$100
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.74% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Recommended
No credit, Poor, Fair

Highlights

  • Start building credit with just $100 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
See additional details for opensky® Launch Secured Visa® Credit Card

The Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Apply Now
The Secured Self Visa® Credit Card
Apply Now on the Self's secure website.
Credit Recommended:
None/Poor
Credit Line
Starts at $100 and is equal to your deposit
Minimum Deposit
$100 minimum security deposit*
Credit Check
No Hard Credit Check Required
Apply Now on the Self's secure website.
Regular APR
27.99% Variable
Credit Recommended
None/Poor
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)^

Highlights

  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
    *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
    The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
    ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.99%. Offer valid for new customers only.
See additional details for The Secured Self 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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