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.

☆   Card Spotlight
Today’s Featured Card

Experian CreditMatch™

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

  • Rating

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    See Issuer Website

  • Annual Fee

    See Terms

  • Updated For

    Fri 20 Dec 2024

  • Full Details

    Card Page

GO2bank

Get your pay up to 2 days early - Get your government benefits up to 4 days early.*

  • Card Brand

    Visa®

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    No monthly fees with eligible direct deposit, otherwise $5 per month

  • Regular Purchase APR

    n/a

  • Rewards

    Earn up to 7% cash back when you buy eGift Cards in the app

  • Full Details

    Card Page

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.

the secured Self Visa® Credit Card

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Credit Recommended

    No Credit, New to Credit, Limited Credit, Bad, Poor

  • Annual Fee

    $25

  • Regular Purchase APR

    28.49% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

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.

Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0% interest

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.

With Ava, you can expect:

  • No hidden fees
  • 0% interest
  • Instant account set up with no credit check
  • $0.00 deposit/collateral required

Current Build Visa® Credit Card

Credit for everyone - Regardless of your credit history!

  • Card Brand

    Other

  • Credit Recommended

    No to Good Credit

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0.00%

  • Rewards

    Grow your savings - Earn up to a 4.00% Bonus on Savings Pods

  • Full Details

    Card Page

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

View Product Disclosures

MAGNUM – Credit Builder Account

No credit history needed; no hard check required

  • Card Brand

    Other

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Get up to a +86 average* FICO® Score increase on autopilot
  • Largest credit builder in the nation
  • Build from $2,000 up to $30,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

Kikoff

0% APR and No Hidden Fees

  • Card Brand

    Other

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0% APR

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A  tradeline from $750 up to $2,500
  • Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Credit building on your terms

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Other

  • Credit Recommended

    Damaged credit to Fair credit

  • Annual Fee

    See Terms

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

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!

  • Card Brand

    Other

  • Credit Recommended

    Damaged/Fair

  • Annual Fee

    See website for Details*

  • Regular Purchase APR

    0%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

Freedom Gold Card

Instant Approval*

  • Card Brand

    Other

  • Credit Recommended

    Damaged credit to fair credit

  • Annual Fee

    See Terms

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit – OK

*See site for details

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No Credit

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