Best Credit Cards for No Credit

Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.Learn more about our partners and how we make money.

Discover it® Student Cash Back

Our rating:5.0

See Rates & Fees

Add to compare

Apply now

Rewards rate

5%: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%: Earn unlimited 1% cash back on all other purchases - automatically.

Annual fee: $0

Balance transfer intro APR: 10.99% for 6 months

Regular APR: 17.49% - 26.49% Variable APR *Rates as of December 12, 2024.

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
No credit score required to apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies. Rates as of December 12, 2024.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 6 months
Regular APR: 17.49% - 26.49% Variable APR *Rates as of December 12, 2024.
Intro Balance Transfers APR: 10.99% for 6 months

The Card with No Credit Check - The Secured Self Visa® Credit Card*

Our rating:2.5

Add to compare

Apply now

Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $25

Balance transfer intro APR: N/A

Regular APR: 28.49% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

With no credit check or prior credit required, anyone can start building credit. Fund your card with a minimum security deposit of $100 and use it anywhere Visa® is accepted in the U.S. Build credit by making on-time payments and maintaining a low credit utilization ratio. Every on-time payment helps build credit history.
If you don’t have the $100 security deposit today, consider a Credit Builder Account² starting at $25 a month⁴. Consistent, on-time payments help you build credit and build savings to secure the Self Visa® Credit Card³.
*The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.
²Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.
³Qualification 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.
⁴$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing

Rates & Fees

Annual Fee: $25
Intro Purchase APR: N/A
Regular APR: 28.49% APR Variable
Intro Balance Transfers APR: N/A

Best Credit Cards for No Credit

How we Choose

Discover it® Student Cash Back

Rewards rate

At A Glance

The Card with No Credit Check - The Secured Self Visa® Credit Card*

Rewards rate

At A Glance