No Credit - Credit Cards
If you’re starting from scratch in building your credit or are new to credit and seeking a starter credit card, you’re in the right place. Today, consumers with little to no credit history can make significant progress more quickly than ever before. Several credit card providers offer options for those looking for their first line of credit with no prior experience. The card providers listed below are specifically tailored to meet the needs of individuals who are new to credit.
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
Fri 10 Oct 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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Monthly Fee
N/A
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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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Monthly Fee
N/A
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Regular Purchase APR
27.99% (Variable)
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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 27.99%. 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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Monthly Fee
N/A
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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.
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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Monthly Fee
N/A
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Regular Purchase APR
0.00%
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Rewards
N/A
- Full Details
Highlights
Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.
- Credit for everyone – Regardless of your credit history!
- Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
- No minimum security deposit required.
- Enjoy instant gas hold removals.
- Reports monthly to all three major credit bureaus.
- View Product Disclosures
Chime Card™
No Credit Check to Apply6
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Card Brand
Visa®
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Credit Recommended
All Credit Welcome
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Annual Fee
N/A
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Monthly Fee
N/A
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Regular Purchase APR
N/A
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Rewards
(1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
- Full Details
Highlights
The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.
To apply for a Chime Card™, Chime® Checking Account is required to apply.
Chime Card™ Key Highlights:
- Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
- Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
- Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
- Credit Building Made Simple – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months5.
- No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
- Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.
Get Started today and take the first step toward building your credit.
Indigo® Mastercard® for Less than Perfect Credit
Higher limit than before, still no security deposit required!
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Card Brand
MasterCard
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Credit Recommended
Bad/Poor/Fair
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Annual Fee
$175 the first year; $49 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Regular Purchase APR
35.9%
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Rewards
n/a
- Full Details
- Rates & Fees
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Arro Card
Start with credit limit up to $300, grow to $2,500
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Card Brand
MasterCard
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Credit Recommended
All Credit Types Accepted
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Annual Fee
$60* (*discounted in Year 1 for starting credit lines under $300)
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Monthly Fee
N/A
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Regular Purchase APR
24.99% Variable
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Rewards
1% cashback on gas and groceries
- 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.
Walmart MoneyCard®
Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
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Card Brand
MasterCard
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Credit Recommended
Any Credit Welcome
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Annual Fee
n/a
- Monthly Fee
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Regular Purchase APR
n/a
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Rewards
n/a
- Full Details
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.
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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Monthly Fee
N/A
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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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Monthly Fee
N/A
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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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Monthly Fee
N/A
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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