New to Credit - Credit Cards


If you are aiming to build credit, searching for an initial credit card, or have never owned a credit card before, you have arrived at the ideal starting point. Today, consumers seeking a new starter credit card have an unprecedented array of options. The card programs highlighted below are specifically tailored for individuals looking to acquire their first credit card. We invite you to apply with confidence.

☆   Card Spotlight
Today’s Featured Card

Experian® Personal Loans Match

Let us match you to personalized loans offers

  • Rating

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    See Issuer Website

  • Annual Fee

    See Terms

  • Updated For

    Tue 24 Jun 2025

  • Full Details

    Card Page

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

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.

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.

  • Card Brand

    Visa

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    No Interest

  • Rewards

    n/a

  • Full Details

    Card Page

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!

  • 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

Arro Card

No hard inquiry to apply

  • Card Brand

    MasterCard

  • Credit Recommended

    All Credit Types Accepted

  • Annual Fee

    $36* (*discounted in Year 1 for starting credit lines under $200)

  • Regular Purchase APR

    16% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $200 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.

Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*

  • Card Brand

    MasterCard

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    n/a

  • Regular Purchase APR

    n/a

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.**Please see site for full terms and conditions.

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

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