Credit Cards (US)

Find the best cards even with no credit history

If you are a first-time credit card user and need to build your score, read our post to know the best cards with no credit requirements!

Advertisement

by Victória Lourenço

05/02/2022 | Updated on 08/03/2022

The best options of cards for no credit: you can build your credit

Find the best cards with no credit! Source: Adobe Stock
Find the best cards with no credit! Source: Adobe Stock

If you’re starting with no credit history, it can be tough to find a credit card that’s right for you. But don’t worry – there are plenty of great cards out there that will give you the chance to build your credit rating. This blog post will show you how to find the best cards with no credit history. So, whether you’re just starting or looking for ways to boost your credit score, read on!

Advertisement

Our best recommendations of cards for no credit history!

See below some of the best credit cards on the market to help you build a healthy credit history!

Petal® 1 “No Annual Fee” Visa® Credit Card

Credit ScoreNone.
Annual Fee$0.
Regular APR22.24% – 31.74% variable APR.

Petal® 1 “No Annual Fee” Visa® Card Highlights

With the Petal® 1 “No Annual Fee” Visa® card, you can get a Cash Score to help you build credit. Also, you can raise your credit limit in six months by paying your bills on time. Plus, eligible merchants will give you 2-10% cash back. However, this card has some drawbacks, such as only certain merchants offer rewards.

  • No foreign transaction fees.
  • From 2% to 10% cash back when buying at qualifying merchants.
  • No annual fee.

If you want to know more about this card, check out our post below to know all the details about how to apply for this Peral credit card!

Cartão Petal 1 fundo branco

How to apply for Petal® 1 “No Annual Fee” Visa

Petal® 1 "No Annual Fee" Visa® Credit Card gives you 2% – 10% cash back at select merchants with no annual fee. And it helps you build a credit score!

Logo Petal fundo branco

Petal® 1 “No Annual Fee” Visa® Card Review

This card offers cash back with no annual fee and allows you to build your credit score. Take a look at the Petal® 1 "No Annual Fee" Visa® Credit Card review!

Revvi Card

Credit ScoreBad.
Annual Fee$75 for the first year. Then, $48.
Regular APR34.99% variable APR.

Revvi Card Highlights

If you have a low credit score and problems getting approved for credit cards, the Revvi card may be for you. Also, the application process is straightforward and fast. Plus, you can earn 1% cash back rewards. However, there is an annual fee, and you will need to pay a program fee to open your account with Revvi. But if you’re just starting out in the credit business, this is one of the best cards with no credit score requirements.

  • You can earn 1% cash back for purchases.
  • Ravvi sends your monthly payment reports to credit bureaus.

If you don’t get approved for credit cards and really need one right now, check out our post below to learn how to apply for a Revvi card. Plus, you can get your response in seconds!

Revvi Card

How to apply for the Revvi Card?

The Revvi Card doesn’t require a perfect credit score, and the application process is quick and easy. Check out how to apply for it!

Revvi Card full review

The Revvi Card is a financial product that can help you rebuild your credit score. Also, it offers you 1% cash back rewards^^. Interested? So, check out our full review!

NetFirst Platinum Card

Credit ScoreNone.
Annual Fee$177.24.
Regular APRN/A.

NetFirst Platinum Card Highlights

If you are looking for a card to help you make purchases at the Horizon Outlet, this NetFirst card can be good. Also, with this card, you can get a $750 credit line for merchandise. Plus, the application process does not require a credit check. However, the card does not report to the major credit bureaus.

  • Good card for shopping at Horizon Outlet.
  • Exclusive perks for cardholders.
  • There is no credit requirements or credit check.

Don’t forget to read our post below to know all about the application process to get this card!

NetFirst Platinum

How to apply for the NetFirst Platinum credit card

Horizon Card Services features another store card with no credit or employment checks. Read how to apply for a NetFirst Platinum card on this post!

NetFirst Platinum card

NetFirst Platinum card full review

A credit card that doesn’t check credit or employment so you can apply for it and get instant approval: read the NetFirst Platinum review!

Walmart Moneycard Debit Card

Credit ScoreNone.
Annual Fee*If you deposit over $500, there is no monthly fee.
*Terms apply.
Regular APRN/A.

Walmart Moneycard Debit Card Highlights

If you love Walmart shopping, you will love this Walmart card. Plus, you can earn cash back rewards, such as 3% to 1% cash back, with a limit of $75 each year. Also, there are no monthly fees if you deposit $500. However, if you don’t fit this requirement, there is a $5.94 monthly fee.

  • Special bonuses for new cardholders.
  • 3% cash back when buying at Walmart.com, 2% back valid for Walmart fuel, and 1% cash back for purchases at Walmart.
Walmart Moneycard debit card

How to apply for the Walmart Moneycard debit card?

You can easily and quickly apply for the Walmart Moneycard debit card. So, check out how you can start earning cash back and all the benefits that come with this card!

Walmart Moneycard debit card review

Are you looking for the best prepaid debit card? So, check out our review of the Walmart Moneycard, which offers overdraft protection, cash back, and more!

Chime® Credit Builder Card

Credit ScoreNone.
Annual Fee$0.
Regular APRN/A.

Chime® Credit Builder Card Highlights

The Chime® Credit Builder Card is a safe card that helps you build your credit score. Also, there is no need for a credit check to apply and no credit requirements. Moreover, you can limit the amount of money you spend. However, you need to open a checking account with Chime.

  • No need to pay a minimum security deposit to get your card.
  • Make your payments on time and increase your score.
  • No interest is charged.

Learn all about how to apply to get this credit-building card in our post below!

Cartão Chime Credit Builder e desenho de notas de dinheiro

How to apply for the Chime® Credit Builder card?

The Chime® Credit Builder card application process is fast and straightforward. You don’t need a credit history or a minimum deposit to apply for it. Check it out!

Cartão Chime® Credit Builder fundo branco

Chime® Credit Builder Card review

Start building credit for free and for a better future. Check out the Chime® Credit Builder card review article and learn how it works!

Applied Bank® Unsecured Classic Visa® Card

Credit ScoreNone.
Annual FeeN/A.
Regular APRN/A.

Applied Bank® Unsecured Classic Visa® Card Highlights

Check out the Applied Bank® Unsecured Classic Visa® Card's features. Source: The Mister Finance.
Check out the Applied Bank® Unsecured Classic Visa® Card’s features. Source: The Mister Finance.

Some people need credit cards just to help them build credit and get better card options or perks. Also, with this applied bank card, you can get accepted even with no credit history. Plus, the card will send your monthly reports to the major credit bureaus. However, there is an annual fee and other fees.

  • You can pre-qualify with no harm to your score.
  • Credit reports to all major credit bureaus.

Check out our post below to learn how to pre-qualify and apply for this card and get approved in seconds!

Applied Bank® Unsecured Classic Visa® Card

How to apply for Applied Bank® Unsecured Class

You won’t need a perfect credit score to get an Applied Bank® Unsecured Classic Visa® credit card. Therefore, check out how to apply for one!

Applied Bank® Unsecured Classic Visa® full review

The Applied Bank® Unsecured Classic Visa® credit card is for those who search for a card that doesn’t require a security deposit and accepts a poor credit score!

Freedom Gold Card

Credit ScoreNone.
Annual Fee$177.24 ($14.77 monthly).
Regular APRN/A.

Freedom Gold Card Highlights

This card is for those who like to buy at the Horizon Outlet. Also, you don’t need to have a job or a high credit score to get approved. Plus, you can get exclusive perks at the store. However, there is an annual fee, and you can only use it to shop online at the Horizon Outlet. Regardless, it is known to be one of the best cards with no credit score needed.

  • Get approved with no credit check.
  • $750 credit line.

If you are interested in getting a card to buy at Horizon Outlets, check out our post below to learn how to apply!

freedom gold card

How to apply for the Freedom Gold card?

The Freedom Gold is a store card full of benefits, such as $750 unsecured credit line, discounts and more. Check out how to apply for it!

Horizon Outlet logo

Freedom Gold card full review

If you enjoy shopping at Horizon Outlet, but don’t have enough credit score to apply for a credit card, check out the Freedom Gold review now!

How to build your credit?

See some tips on how to build your score! Source: Unsplash
See some tips on how to build your score! Source: Unsplash

Applying for regular credit cards with no research can be a bad option if you need to build credit. However, you can apply for credit cards that will report your monthly payments to the major credit bureaus, and this can increase your credit very fast. Also, you can choose cards that don’t have many fees or high fees. This way, you can spend less and ensure you make all your payments on time to increase your credit.

Therefore, if you want to extend your research and learn all about how to build your credit fast by using credit cards, read our post below!

hand holding many cards

How to build credit using a credit card

If you need to build credit, using credit cards can be a great option. Check out our post to know how to build credit using a credit card in 4 easy ways!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

Trending Topics

content

Delta SkyMiles Reserve or Delta SkyMiles Reserve Business?

Delta SkyMiles Reserve or Delta SkyMiles Reserve Business? Keep reading if you want to find out which one of these travel cards is the best!

Keep Reading
content

What is household capital income?

What is household capital income? See how to calculate it and access our recommendation to get benefits for those with lower incomes.

Keep Reading
content

How to join the Interactive Brokers Investing app?

Do you fit the trader profile to join Interactive Brokers Investing? If so, keep reading to know how to open your IBKR account!

Keep Reading

You may also like

content

Mogo Prepaid Card application: how does it work?

With a Mogo Card, you’ll learn how to spend your money better while helping the planet by reducing your carbon footprint. Learn how the application process works and get your Mogo today!

Keep Reading
content

How do travel credit cards work?

Have you ever asked yourself, "How do travel credit cards work"? If yes, you might want to check out this article. We will answer this question and tell you everything so you can make the most of your travels!

Keep Reading
content

Application for the HSBC Cash Rewards Mastercard® card: how does it work?

The HSBC Cash Rewards Mastercard® card is a good option. It will give you benefits and won't charge any fees. But can you have one? Please, keep reading to find out.

Keep Reading