If you have limited or no credit, you can apply for subprime credit cards to build your credit history. As long as you pay off your credit-card balance on time each month, your responsible payment records will be reported to three major credit bureaus – Equifax, Experian and TransUnion, and your credit rating will improve.

No Annual Fee Credit Card to Build Credit

Both First Latitude Assent Secured Mastercard^® and opensky^® Plus Secured Visa^® Credit Card offer cardholders to build credit without having to pay an annual fee. In addition, both card give you cash back on everyday purchases.

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First Latitude Assent Secured Mastercard^®

Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
Secure your credit line with your refundable security deposit - choose from $200- $2,000. With the ability to increase up to $5,000 over time!
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Designed to push you forward on your credit building journey with $0 Annual Fee.
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
All credit types welcome to apply!
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

Intro APR: N/A

Intro APR Period: N/A

Annual Fee: $0

Credit Needed: Poor / Limited / No

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opensky^® Plus Secured Visa^® Credit Card

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!

Intro APR: N/A

Intro APR Period: N/A

Annual Fee: $0

Credit Needed: No credit, Poor, Fair

Alternative Credit Cards to Help Building Credit

If you are interested in First Latitude Assent Secured Mastercard or OpenSky Plus Secured Visa Credit Card, you may also consider a few other credit cards with similar benefits.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Destiny Mastercard^® Hide Benefits Show Benefits	See terms	N/A	See terms	Poor To GoodApply Now View Card Details
A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. No security deposit, and a path to better credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. An unsecured card great for everyday purchases
First Latitude Elite Secured Mastercard^® Hide Benefits Show Benefits	23.99% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
Choose our First Latitude Elite Card for a lower annual APR! Apply now and fund your security deposit over 90 days with the option to make partial payments. Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹ No minimum credit score required for approval! Secure your credit line with a refundable security deposit - as low as $200 to get started! 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
opensky^® Secured Visa^® Credit Card Hide Benefits Show Benefits	24.39% (Variable) APR	N/A	$35	No Credit, Poor, FairApply Now View Card Details
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!
First Progress Select Secured Mastercard^® Hide Benefits Show Benefits	17.99% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ 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.
Total Visa^® Card Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	See Terms*	Fair / BadApply Now View Card Details
An initial credit limit Up To $500! (See terms) Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card. Checking account required. Free credit monitoring powered by TransUnion^® Fast and easy application process. All credit types welcome to apply. See Rates, Fees, Costs & Limitations for complete offer details See Total Card Visa Rewards Programs Terms & Conditions for details

Destiny Mastercard®

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A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.

First Latitude Elite Secured Mastercard®

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Choose our First Latitude Elite Card for a lower annual APR!
Apply now and fund your security deposit over 90 days with the option to make partial payments.

opensky® Secured Visa® Credit Card

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Earn up to 10% cash back on everyday purchases
No credit check required - 89% approval rate with zero credit risk to apply!

First Progress Select Secured Mastercard®

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Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time!

Total Visa® Card

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Rates & Fees

An initial credit limit Up To $500! (See terms*)
Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.