Limited Credit - Credit Cards
Building credit can be difficult when you are not given an opportunity to do so. However, credit cards designed for individuals with limited credit offer a straightforward solution. These credit cards are particularly useful for recent college graduates and others with limited credit histories. By applying for one of these credit cards, you can take a crucial step towards building your credit and boosting your score. Eventually, you’ll be able to explore other credit options. Check out our comprehensive list of some of the best credit cards for individuals with limited credit to find the right offer for you.
Experian Credit Match
Get matched to credit cards based on your credit profile
- Rating
- Credit Recommended
Any Credit Welcome
- Regular Purchase APR
See Issuer Website
- Annual Fee
See Terms
- Updated For
Wed 06 Aug 2025
- Full Details
PREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
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Card Brand
MasterCard
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Credit Recommended
Fair/Poor
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Annual Fee
See Terms
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Regular Purchase APR
See Terms
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Rewards
n/a
- Full Details
Highlights
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
the secured Self Visa® Credit Card
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
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Card Brand
Visa
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Credit Recommended
No Credit, New to Credit, Limited Credit, Bad, Poor
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Annual Fee
$0 ($25 Annual Fee after the first year.)^
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Regular Purchase APR
28.24% (Variable Rates)
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Rewards
n/a
- Full Details
Highlights
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
- The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
- Use your card anywhere Visa® is accepted in the US.
- A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
- Get help staying on track with Autopay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
GO2bank
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
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Card Brand
Visa
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Credit Recommended
All Credit Types Considered
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Annual Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
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Regular Purchase APR
n/a
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Rewards
Earn up to 7% cash back when you buy eGift Cards in the app
- Full Details
Highlights
- Overdraft protection up to $200 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
Chime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Card Brand
Visa
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Credit Recommended
Any Credit Welcome
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Annual Fee
$0.00
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Regular Purchase APR
No Interest
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Rewards
n/a
- Full Details
Highlights
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
- Credit Builder is a secured credit card
- No credit check to apply
- No annual fees
- No minimum security deposit*
- Limit risk of overspending
Eligibility Requirements
- 1. “Apply” for the Credit Builder Card
- 2. Chime Checking Account required to apply
Build Credit History
- Help increase your credit scores/FICO® Score by an average of 30 points¹
- Build credit history
- A better way to build credit
- Using Credit Builder can build your credit history
- Start building credit history with money you’ve set aside
Safer Credit Building
- Turn on Safer Credit Building* to automatically pay your balance in full each month
- Your balance will be automatically paid on time², every month
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Current Build Visa® Credit Card
Credit for everyone - Regardless of your credit history!
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Card Brand
Other
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Credit Recommended
No to Good Credit
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Annual Fee
$0.00
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Regular Purchase APR
0.00%
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Rewards
Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
- Full Details
Highlights
- Credit for everyone – Regardless of your credit history!
- Get paid up to 2 days faster – Using Direct Deposit.
- Build credit not debt.
- Grow your savings – Earn up to a 4.00% Bonus on Savings Pods
Arro Card
Build and grow credit – up to $2,500 over time
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Card Brand
MasterCard
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Credit Recommended
All Credit Types Accepted
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Annual Fee
$36* (*discounted in Year 1 for starting credit lines under $200)
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Regular Purchase APR
16% Variable
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Rewards
n/a
- Full Details
Highlights
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Milestone® Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard
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Credit Recommended
Fair/Good
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Annual Fee
See Terms
-
Regular Purchase APR
See Terms
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Rewards
n/a
- Full Details
- Rates & Fees
Highlights
- Greater access to credit than before – $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
PREMIER Bankcard® Grey Credit Card
Pre-qualify with no impact to your credit score
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Card Brand
MasterCard
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Credit Recommended
Fair/Poor
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Annual Fee
See Provider Website
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Regular Purchase APR
See Provider Website
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Rewards
n/a
- Full Details
Highlights
- Pre-qualify with no impact to your credit score
- Helping people build credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
Net First Platinum
$750.00 Line of Credit*
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Card Brand
Other
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Credit Recommended
Damaged credit to Fair credit
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Annual Fee
See Terms
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Regular Purchase APR
0.00%
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Rewards
n/a
- Full Details
Highlights
The Net First Platinum card could be the perfect card for you.
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
- No Employment or Credit Check
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
*See Card for Details
Group One Platinum Card
Bad Credit, No Credit? No Problem!
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Card Brand
Other
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Credit Recommended
Damaged/Fair
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Annual Fee
See website for Details*
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Regular Purchase APR
0%
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Rewards
n/a
- Full Details
Highlights
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application