9 Best Credit Cards for No Credit History: Starter Credit Cards
What Does Having “No Credit” Mean?
Everyone has to start somewhere. That means you initially have no credit but eventually take specific actions like opening a credit account, loan or credit card, which the major credit bureaus deem essential for building creditworthiness—and, by extension, establishing credit for yourself.
This card is best for those with thin to no credit files because Petal accepts applicants based on cash flow underwriting alone—meaning no credit history is required.
Petal 2 “Cash Back, No Fees” Visa Credit Card
The Petal 1 “No Annual Fee” Visa card is also best for those with thin to no credit files because Petal accepts applicants based on Cash Flow underwriting alone.
Petal 1 “No Annual Fee” Visa Credit Card
The Deserve EDU starter credit card is a non-conventional option that acts as neither a secure credit card nor a sub-prime card. This card works well for international college students who lack a Social Security Number.
Deserve EDU Mastercard for Students
This card has no annual fee from the Discover® it Student Cash Back and even allows you to earn a statement credit each time you refer a friend, and they’re approved for this no annual fee unsecured credit card for students.
Discover® it Student Cash Back
You get an actual card with no annual fees, and Discover® will report your progress to all three major bureaus, unlike most debit cards or prepaid cards.
Discover® it Secured Credit Card
You put down a refundable deposit starting at $49 to get an initial $200 credit line. With enough responsible card use, you could earn back your security deposit as a statement credit.
Secured Mastercard from Capital One
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