What are the Best Credit Cards for No Credit History?

Getting started with credit can be difficult if you don’t have any. If you’re new to the idea of credit cards or are trying to build your credit history, it’s time to know more about how people with no credit can get a starter card and use it responsibly over time to create their credit score!

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.

What Does Having “No Credit” Mean?

Getting your first credit card requires making trade-offs. In exchange for having no credit history, your credit card issuer may want to have more protection for themselves, uncertain of how you’ll handle credit.

How to Get a Credit Card with No Credit

Have a look below at the best credit cards for little credit history applicants to consider for building their credit.

Best Credit Cards for No Credit History Applicants

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

Like the first Petal starter credit card above, this alternative uses modern technology to design credit card products that help you budget, control your spending, and build credit.

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

Discover® it Student Cash Back offers several benefits students might find helpful as a starter credit card.

Discover® it Student Cash Back

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