Credit Cards for Limited or No Credit
If you are new to credit cards, you are likely to have limited or no credit. This 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.
- A card designed to help those new to the U.S. establish credit and earn cash back
- Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
- Get 2% cash back on travel purchases
- Earn 1% cash back on all other purchases
- No foreign transaction fees
- No annual fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 24.9% variable | $0 |
- Designed to help students build good credit with responsible use
- Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
- Customizable text and e-mail alerts to help keep you on track
- Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- Cash rewards don't expire
- There's no limit to the amount of cash you can earn
- Get your cash back anytime as an account credit or check, even set up automatic redemption
- Travel Accident Insurance
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 19.8% variable | $0 |
- Earn 2 points per $1 on gas, grocery, and utility purchases
- Earn 1 points per $1 everywhere else
- No balance transfer fee
- No annual fee
- 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
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 24.99% variable | None |
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases until February 2014
- Auto rental insurance - use your card to rent a car and you're
covered for collision, damage, and loss
- No foreign transaction fees
- Extended warranty program
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | until February 2014 | 19.8% (V) | $39 |
- 0% intro APR on purchases until February 2014
- $0 Fraud Liability if your card is lost or stolen
- Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
- No foreign transaction fees
- Auto rental insurance-use your card to rent a car and you're covered for collision, damage, and loss
- Travel accident insurance
- 24-hour travel assistance gives you a replacement card and cash advance
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | until February 2014 | 19.8% (V) | $39 |
- Get the credit you need with no application or processing fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
- Your refundable security deposit can get you a line up to $3,000
- You may qualify for credit line increases with no further security deposit required
- Use it like any MasterCard credit card, accepted at millions of locations worldwide
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 22.9% variable | $29 |
- Get pre-qualified for a Visa Platinum card
- Pick your payment due date to fit your schedule
- Email or text alerts to remind you when your payment is due
- Free online monthly credit score tracking included
- Automatic reviews for credit line increase opportunities
- Includes Travel Accident Insurance and Auto Collision Damage Waiver
- Choose your card design from our premium gallery
- *See Card Terms & Conditions for Details
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 23.90% (V) | $75 First year, $99 thereafter |
