11 Easiest Credit Cards to Get With No Credit

The list of the easiest credit cards to get with no credit is primarily made for students, teens, interns and other first-time employees who have no credit at all. Although most credit cards are easy to get, the FICO score is a very important parameter for determining users’ eligibility. Good credit score will allow you to apply for the cards with unlimited funds, affordable APR, attractive rewards and high cashback rates. On the other hand, if you have a bad credit, the number of credit card possibilities will drastically shrink.

Getting your first credit is not easy. Nobody wants to give you a loan if you don’t have a proven track record of using and returning borrowed funds. Still, having no credit and being ‘credit invisible’ is better than having a negative credit score. Individuals with no credit can build their score by taking their first credit card or a credit-building loan.

Taking your first credit card or a loan is a big responsibility, and you shouldn’t apply for it if you aren’t ready to pay your bills on time. If you have decided to start building your credit score with an easy-to-get credit card, there are several things you should have in mind. Make sure that you have a job with an income that will allow you to make regular credit payments. If you want to make this process easier, try to find a co-signer. This way you will use other people’s good credit to get your first card.

There are also several different types of cards that are easily accessible to people with no credit, including secured and student credit cards. Apart from these options, our list will also contain regular credit cards that are available to people with limited and fair credit score. If you would rather focus on debit cards, check out the list of the Easiest Prepaid Debit Cards to Get for Teens.

We are going to inspect several parameters in order to rank cards on our list. Instead of focusing on APR and rewards, we are going to take into consideration the required credit score, the minimum deposit amount, and an annual fee. The combination of these three parameters will give us the score that closely describes the easiness of getting a card for people with no credit.

While writing the article that describes the easiest credit cards to get with no credit, we have used the information from Credit Rates and Wallet Hub. We have also checked the promotional or review page for each card to find more information for the list’s paragraphs. These sources have given us the top eleven picks that we have rated according to our criteria. The cards that are available to people with bad credit have received 30 points, those that require at least a limited credit received 20 points, and the cards that can be taken only by consumers with fair credit scores have received 10 points. Depending on their minimal deposit requirements, cards have received from 0 to 15 points and depending on the annual fee amount, they have been given from 0 to 5 points. Now, let’s see our list of easiest credit cards to get with no credit.

11. USAA Secured Cards American Express

Score: 33 points;

Minimum credit: Bad (30 points);

Minimum deposit: $250 (0 points);

Annual fee: $35 (3 points);

The main purpose of this credit card is to help people to build, rebuild or improve their credit score. At least that is what the USAA has shared on the card’s product page. It is available for people with no credit, and it comes with a fairly affordable APR that ranges between 10.90 and 20.90%. Balance transfers are charged up to 3% of the sum, and the card doesn’t have the penalty APR. This is a solid choice for people without credit, but there are also much better cards to choose.

10. USAA Secured Card Platinum Visa

Score: 33 points;

Minimum credit: Bad (30 points);

Minimum deposit: $250 (0 points);

Annual fee: $35 (3 points);

This is another USAA’s option for building credit and repairing a negative credit score. It offers almost the same terms as our previous entry, including the APR that ranges from 10.90 to 20.90% and $35 annual fee. The card also allows users to earn a variable interest on the deposit balance. At the moment this account offers 0.54% annual percentage yield.

9. First Progress Platinum Prestige MasterCard Secured Credit Card

Score: 35 points;

Minimum credit: Bad (30 points);

Minimum deposit: $200 (5 points);

Annual fee: $49 (0 points);

We are continuing our list of easiest credit cards to get with no credit with First Progress’s secure credit card that has a relatively high annual fee and minimum deposit, which isn’t strange for secured credit cards, which usually feature less favorable offers. With First Progress Platinum card, you will get no introductory rate period. Instead, you will need to pay an APR of 9.99% for regular purchases. The minimum deposit is $200, and it is fully refundable. If you pay off your balance, you can withhold your deposit at any time.

 

8. Primor Secured Visa Gold Card

Score: 35 points;

Minimum credit: Bad (30 points);

Minimum deposit: $200 (5 points);

Annual fee: $49 (0 points);

Although primor Secured VISA is not much different from the previous card we have described, it still comes with a few extra features and fees. For example, the purchase APR of 9.99% is fixed. The company charges 3% for foreign transactions, and there is a $29 max late fee and 18.99% cash advance rate. The company says it is a great card for people with no credit and they offer a very simple application process.

7. Capital One Quicksilver One Cash Rewards Credit Card

Score: 36 points;

Minimum credit: Limited history (20 points);

Minimum deposit: $0 (15 points);

Annual fee: $39 (1 point);

Unlike other cards, on the list, the Capital One Quicksilver offers a solid cashback of 1.5% on an unlimited number of purchases and a 5% reward cashback on special categories of expenses that are rotating on a quarterly basis. This card is a little bit harder to get because it requires at least a limited credit history, but people with no credit are still eligible. It can help them to build a positive credit after only five in-time monthly payments. The company doesn’t charge foreign transaction fees, and the APR variable is 24.99%.

 

6. OpenSky Secured Visa Credit Card

Score: 36 points;

Minimum credit: Bad (30 points);

Minimum deposit: $200 (5 points);

Annual fee: $39 (1 point);

OpenSky also has a specialized card, next in line on our list of easiest credit cards to get with no credit that allows users to rebuild and establish a positive credit history. Their card will help you to build credit in only six months. During this time you just need to make monthly payments in time, and the company will immediately report it to the all four credit bureaus. The company also offers an easy 4 step application process that takes only 10 minutes. Although the credit limit depends on the deposit you pay, it is subjected for approval later on. The minimum deposit for this card is $200, and you can pay as much as $3,000.

 

5. First Progress Platinum Select MasterCard Secured Credit Card

Score: 36 points;

Minimum credit: Bad (30 points);

Minimum deposit: $200 (5 points);

Annual fee: $39 (1 point);

First Progress offers a wide range of secured credit cards to the users with no credit rating. That is why they have taken several spots on our list of the easiest credit cards to get with no credit. This particular card comes with the variable APR of 14.99% on all purchases, while cash advances are charged with the 19.99% rate. Platinum Select MasterCard also charges foreign transactions with the 3% fee. Although it comes with the $39 annual fee and requires users to pay at least $200 of the deposit money, this card doesn’t require any credit history and therefore is a good option for new lenders and those who want to repair their FICO score.

4. First Progress Platinum Elite MasterCard Secured Credit Card

Score: 38 points;

Minimum credit: Bad (30 points);

Minimum deposit: $200 (5 points);

Annual fee: $29 (3 points);

The prime reason why Platinum Elite MasterCard, that ranks 4th on our list of easiest credit cards to get with no credit got ahead of the Platinum Select is that it has a smaller annual fee, for $10. Both cards are available to people without a credit and have a minimum deposit of $200. When it comes to APR, the Elite card is a bit more expensive. It requires users to pay the 19.99% APR for regular purchases and 24.99% for advanced transfers.

3. Capital One Platinum Credit Card

Score: 40 points;

Minimum credit: Limited history (20 points);

Minimum deposit: not required (15 points);

Annual fee: $0 (5 points);

Although it is made for users with average credit, the Capital One Platinum Premium credit card can also be used for the credit score improvements. You can easily reach the higher credit line, by making on-time payments in the first five months of card use. Since Capital One Premium is not a secured credit card, it doesn’t require a minimum deposit and users don’t need to pay an annual fee. Still, the APR for this card is relatively high. You will pay 24.99% for all purchases and transfers, but the card doesn’t require you to pay any special transfer feels.

 

2. Discover It Secured Card – No Annual Fee

Score: 40 points;

Minimum credit: Bad (30 points);

Minimum deposit: $200 (5 points);

Annual fee: $0 (5 points);

At second place on our list of easiest credit cards to get with no credit, we have the Discover It Secure card that can build up your credit rating in all four credit agencies. In order to use it, you will need to provide a $200 deposit, which is fully refundable and can be withdrawn after you pay off your balance. Unlike most other cards on this list, Discover It Secure Card comes with some fancy rewards, including the 1% cashback on unlimited purchases and 2% on gas station and restaurant bills. All the cash back you earn in the first year is matched by the company so that you will receive twice as much money at the end. The card also doesn’t require any annual fee, and it has an APR of 23.99%.

 

1. Capital One Secured MasterCard

Score: 45 points;

Minimum credit: Bad (30 points);

Minimum deposit: $49 (10 points);

Annual fee: $0 (5 points);

Capital One’s Secured MasterCard is the winner of our list of the easiest credit cards to get with no credit. The responsible use of this card helps you to build or rebuild your score and reach higher credit levels. The minimum deposit for this card is based on your creditworthiness and it can be from $49 to $200. This gives you a starting credit line of $200, 24.99% of variable APR on all purchases and an unlimited number of credit checks so you can oversee your score’s build-up.