No Credit Credit Cards

If you have no credit but you are looking to carry a credit card in your wallet, that can be a little difficult. In recent years there are several banks that have focused on providing no credit credit cards to individuals seeking them. The popular solution was to create prepaid debit credit cards for people with no credit history. Some of these products have a credit building feature built into them so that you can begin building a credit history.

There are several prepaid credit card products on the market and it can get confusing which cards offer the best value. We have researched the products that are available online and have put together a listing of the cards that offer the most benefit to consumers. Please review our Top 5 No Credit Credit Cards list and select the card that is right for you.

READYdebit Platinum Visa Prepaid Card

Get Your Premium Benefits:
Exclusive Rewards Program
Free Credit ScoreTracker*
Easy Mobile Banking and Text Alerts
Easy Online Bill Payment & Check Writing
Free Direct Deposit – paycheck, benefits, tax refunds
No Credit Check, No Overdraft Fees or Balance Minimums
Reloadable up to $10,000 Max Balance and Deposit is fully FDIC insured

Intro Purchase APR
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Intro Balance Trans. APR
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APR
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Annual Fee
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NetSpend® MasterCard® Prepaid Card

100% Approval – No credit check needed (ID verification required).
Track your spending at no additional cost, with easy–to-use online budgeting tools
Pay rent, utilities and other bills online or over the phone.
Real-time account activity alerts to your mobile phone.
Funds are FDIC insured up to the current coverage limit (ID verification required).
New – Get rewarded with NetSpend Payback Reward™ options.

Intro Purchase APR
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Intro Balance Trans. APR
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APR
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Annual Fee
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AccountNow Prepaid Visa® Card

$0 Monthly Fee
No Minimum Balance
No Credit Check. No Overdraft Fee.
Free Direct Deposit and Online Bill Payment
Use it everywhere Visa Debit Card accepted
Now with Purchase Rewards
Perfect for Occasional Usage

Intro Purchase APR
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Intro Balance Trans. APR
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APR
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Annual Fee
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Prepaid Visa® Black Diamond RushCard

Get your government benefits up to two days early with Direct Deposit. *Certain restrictions apply. See card site for details.
Easy Online Bill Pay – pay bills, rent, or write personal checks.
Safer than carrying cash, use everywhere Visa debit cards are accepted.
No overdraft fees.
Conveniently send and receive money to and from family and friends with card to card transfers.
Members now have access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance — free of charge.

Intro Purchase APR
See Terms*

Intro Balance Trans. APR
See Terms*

APR
See Terms*

Annual Fee
See Terms*

Rating: 4.3/5 (3 votes cast)

No Credit Credit Cards, 4.3 out of 5 based on 3 ratings

Credit Cards for People with No Credit History

So you have no credit history and it is difficult to find a credit card company that will approve you. There are some traditional credit card issuers and some prepaid card companies that can help. Capital One for example has a credit card designed for people who are new to the United States that are looking for a credit card. They have another card that is designed for U.S. residents looking to establish their credit history. Besides the traditional cards, there are prepaid cards that can also provide you the opportunity to build your credit history. They are relatively new. They will report your history with them to the major credit bureaus. If you are interested in a prepaid card with that option, make sure that feature is listed. If the reason that you have no credit history is because you are a college student, please check out our student credit cards page.

Picking the Right Credit Cards for No Credit

Like with any credit card, the main items you need to consider for a credit card for no credit history is very similar. The first thing is the annual fee. Most cards of this type will charge an annual fee. Anything that is $39 or less per year is fairly reasonable based on the research that we have done. The next thing that you need to consider is the interest rates. These rates will be much higher than most credit cards, but that is because you don’t have an established credit history. As you build your history, you will be presented with much better credit card offers in the future. Anything above 24.9% is unreasonable and you shouldn’t apply for a card that has interest rates higher than that. If you are considering a prepaid card, you will want to analyze the fees that they charge and see if they offer a credit building feature. We took all of these items into consideration when we formed our Top 5 No Credit Credit Cards list.

Making the Most of Your No Credit History

Everybody has to start somewhere and it is never too late. Your credit history and score are important because odds are that you won’t pay for your house or car with cash. Your credit score will determine the interest terms of your financing. Getting a credit card and making on-time payments will get you started in the right direction. It will show that you can be responsible managing your credit accounts and that will result in your credit score increasing.