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Featured Credit Cards for Consumers with Limited/No Credit About

Visitors to our site with a limited credit history have found this section of our site to be helpful. The cards listed below can help you improve your credit rating if used responsibly. This section also highlights cards that cater to consumers who are seeking to "establish credit" (such consumers do not have a credit history). Unless noted, the cards below report to at least one of the three major credit reporting agencies or bureaus. If you would like to receive new reviews of credit cards in this section by e-mail, then please subscribe to our newsletter! Our newsletter includes insider credit card tips and expert analysis.

Find your best credit card

4 star rating?

American DreamCard

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American DreamCardTM - Apply Online

  • American DreamCard™ - The first and only "POOLED REWARDS™" Credit Card*
  • Over $1 million has been awarded to date
  • Every $1 in net retail purchases = 1 entry (up to 1,000 entries per purchase)
  • Build or Rebuild Your Credit (Even if Your Credit is Poor Now)
  • Annual Fee: $0, $39 or $59 depending on credit worthiness
Card Details: Note! *See terms and conditions for important rate, rebate, fee and other cost information, and limitations. Grace period for purchases: at least 20 days. Minimum finance charge: $1.00. Issued by HSBC Bank Nevada, N.A.
Intro APR
Period
Transfer Fee
Credit Needed
N/A
N/A
14.99 or 21.99 %* V
No
N/A

Credit Tip! Avoid paid credit card "search services". Most such services charge you around $30 just for helping you find a credit card (this is in addition to fees charged by the credit card issuer). Another drawback is that the credit cards associated with such services sometimes have unattractive terms. The solution is to use the free resources on our site to help you find an attractive card!

3 star rating?

debit mastercard

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AccountNow® Prepaid MasterCard® - Apply Online

  • 100% guaranteed approval*
  • New! iAdvance loan option, no credit check needed
  • Free credit builder and bill pay
  • No activation fee with direct deposit
Card Details: *The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Guaranteed Approval is contingent upon successfully passing this mandatory identification confirmation. If you sign up for Credit Builder, your bill pay transactions will be reported to PRBC®.

3 star rating?

eufora prepaid mastercard

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Eufora Pre-Paid (stored value) MasterCard® - Apply Online*

  • Builds credit - Reports to Credit Bureaus
  • 100% Guaranteed Approval* with No Credit Check - Perfect for Bad Credit or No Credit
  • Free Direct Deposit
  • Free Point of Sale Transactions
  • Free 24/7 Online Access
  • Free Live Customer Support
  • Reload at Thousands of Retail Locations Nationwide with a $5000 Maximum Value
  • Safer than Cash
  • Cash Reward Program
Card Details: This card is an alternative for consumers that can not qualify for a secured credit card. We only recommend this card if you can not qualify for a secured credit card (see Orchard Card descriptions above). This card is not a credit card, but rather is a pre-paid stored value card (the APR is 0%) and carries a balance when you deposit cash through a "Value Load." Load funds from an existing checking or savings account. Your spending limit is determined by the amount you have loaded to the card. Click Here for more important details. Issued by The Bancorp Bank.

This offer is available to online applicants. This online application is subject to the terms and conditions as described in the Important Information Section of the application.

* Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. "Guaranteed Approval" is contingent upon successfully passing this mandatory identification confirmation.

Intro APR
Period
Transfer Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

1 star rating?

new millenium bank secured gold credit card

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New Millennium Bank Secured Gold Visa® or Mastercard® - Apply Online

  • Approved regardless of credit history
  • Credit limits up to $10,000*
  • Reports to all 3 credit bureaus
  • Get cash at over 740,000 ATMs
  • No credit check
  • Annual Fee: $59.00. Application Processing Fee: $69.95.
Card Details: Your credit card will have a credit limit of $300.00 to $5,000.00. * See terms and conditions. You determine your credit limit by the amount you deposit in your collateral savings account with New Millennium Bank. Your credit limit will be equal to the balance in your collateral savings account. Minimum deposit is $300, maximum deposit is $5,000.00 per card. You will be sent your confirmation and savings account materials after receipt of your acceptance form and processing fee. Issued by New Millenium Bank. There is no grace period for this card.

This offer is available to online applicants. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers).

Intro APR
Period
Transfer Fee
Credit Needed
N/A
N/A
19.50% F
N/A
N/A
None

4 star rating?

visa black credit card

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Public Savings Bank Secured Visa® Black Card - Apply Online

  • 0% APR on purchases for 6 months
  • No annual fee
  • Your income, employment and credit are not factors
  • Reports to all 3 major credit bureaus
  • 25 day grace period
  • Use the card everywhere you see the visa/mastercard logo
Card Details: See terms and conditions. Issued by Public Savings Bank.

This offer is available to online applicants. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers).

Intro APR
Period
Transfer Fee
Credit Needed
0%
6 months
11.24% V
N/A
3.5% ($5 minimum)
None

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