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.

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at issuer’s secured site
fair credit
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

2X points on gas, utility 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

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Credit One® Visa® Rewards Credit Card

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

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at issuer’s secured site
fair credit
no credit
intro purchase APR no intro offerregular APR15.65 - 24.15% (V)
intro BT APR no intro offer 15.65-24.15%
rewards 1% on gas and groceries, terms apply 

1% cash back on eligible purchases, terms apply

Email or text alerts to remind you when your payment is due

Flexible payment date to assist you in making your payments on time

$0-$99 annual fee

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