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. 

1

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

2

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

3

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

4

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

5

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

6

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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