Discover the best credit card deals

Credit Cards for Limited or No Credit

A person with a limited credit history may have no record of a loan on their credit report. Alternatively, not using much credit can also count as a limited history, according to Experian. Having, say, a single credit card with a $1,500 limit for a year or two would likely make a lender think you do not have enough history.

Having limited or no credit is common for people who are new immigrants or new college graduates looking for their first credit card. You can start with these entry-level credit cards specially designed for people with limited or no credit. After you build your credit history, you can have access to prime credit cards that offer lucrative perks of cash back, generous bonus, or 0% introductory APR.

Journey Student Rewards from Capital One
Apply for Journey Student Rewards from Capital One Online

Journey℠ Student Rewards from Capital One®

  • Earn 1% cash back on every purchase
  • For every month you pay on time, you receive a 25% bonus-that's a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly payment due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Travel Accident Insurance
  • Click here for more details on Journey℠ Student Rewards from Capital One®
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A19.8% (V)$0

Barclaycard Rewards MasterCard - Average Credit
Apply for Barclaycard Rewards MasterCard - Average Credit Online

Barclaycard® Rewards MasterCard® - Average Credit

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Click here for more details on Barclaycard® Rewards MasterCard® - Average Credit from Barclays
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A24.99%* Variable$0

Capital One Classic Platinum Credit Card
Apply for Capital One Classic Platinum Credit Card Online

Capital One® Classic Platinum Credit Card

  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account-even from your smartphone with our mobile app
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Click here for more details on Capital One® Classic Platinum Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A20.9% (V)$39

Capital One Secured MasterCard
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Capital One® Secured MasterCard®

  • Unlike a prepaid card, it builds credit when used responsibly
  • Regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness-no additional deposit required
  • It's a credit card-accepted at millions of locations worldwide
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Click here for more details on Capital One® Secured MasterCard®
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A22.9%(V)$29

Credit One Bank Credit Card with Gas Rewards
Apply for Credit One Bank Credit Card with Gas Rewards Online

Credit One Bank® Credit Card with Gas Rewards

Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A17.90% - 23.90% (Variable)*$35 - $99*

Credit One Bank Credit Card - Online Monthly Credit Score Tracking Included
Apply for Credit One Bank Credit Card - Online Monthly Credit Score Tracking Included Online

Credit One Bank® Credit Card - Online Monthly Credit Score Tracking Included

Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A17.90% - 23.90% (Variable)*$35 - $99*

Credit One Bank Platinum Card
Apply for Credit One Bank Platinum Card Online

Credit One Bank® Platinum Card

  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges
  • Click here for more details on Credit One Bank® Platinum Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A17.90% - 23.90% (Variable)*$35 - $99*

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