Unsecured Credit Cards – No Credit History
You want a credit card but you have no credit history. It’s a “Catch-22” — banks won’t take a chance on you because you have no credit, but you’ll have no credit unless someone accepts you.
Below we offer some unsecured credit card options for those with no credit history. Note that you may have a higher interest rate with these cards and may have to pay an annual fee. (If that sounds bad, you might consider using a secured credit card to help build your credit. This requires a security deposit but may be cheaper overall.)
Credit One Bank® Platinum Visa® for Building Credit – 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. ***
Credit One Bank® NASCAR® Visa® Credit Card – Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply. $0 Fraud Liability protects you from unauthorized charges. Email or text alerts to remind you when your payment is due. Choose your monthly payment due date for added convenience, terms apply. ***
Store Credit Cards, Gas Station Credit Cards
Credit cards from department stores or specific gas station chains are often easier to be approved for when you have no credit history. The interest rates are often higher, and you may be limited to purchases at that one retailer. But it can be a way to begin building a credit history. Some options:
Fingerhut – Well-known catalog/Internet retailer says “We can often say Yes! when others say no” and if you “make your payments on time, you build your buying power with us, and we report your payment history to the credit bureaus.” ***
Others to consider:
- TJX Rewards Credit Cards – The credit card of TJ Maxx and Marshalls.
- CITGO Gas Credit Card – Credit cards gets you a small discount on CITGO gas. (Also look for credit cards from the gas stations in your area.)
- Staples Credit Card – Accepted at Staples office supply stores.
- Goodyear Credit Card – Credit card for tires and related automotive purchases.
*** This site is compensated when you are approved for this card.