Updated: 07/25/2016

Credit cards for people with no credit

If you have no previous credit history, your choice of credit card offers is limited.

However, it is good to know that most of the offers that are available for people with fair credit are also available for customers, new to credit.

Here are our editor's picks for best credit cards for people with no credit.

Barclaycard Rewards MasterCard®

This card offers 2X rewards on dining and gas, 1X rewards on al other purchases. Free online FICO score for cardmembers will help you to monitor your credit while it grows.

intro purchase APR no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases
fair credit required

2X points on gas, utilities and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

read review

Credit One® Visa® Rewards Credit Card

The version of Credit One Platinum card that is available for people with no credit history.

intro purchase APR no intro offerregular APR16.99 - 24.99% (V)
intro BT APR no intro offer 16.99-24.99%
fair credit / no credit required

See if you Pre-Qualify without harming your credit score.

This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.

All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.

$0-$99 annual fee

read review


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