How to Get a Credit Card with No Credit History

Getting a Credit Card With No History Is Not Easy, But Not Impossible

Ideally, to get the best rates, you would need to have credit history. Thats why if you are a student its best to apply for a student credit card earlier on, and make the full payments every month in order to start building a good credit history.  Many times, if you are a student or you are from a foreign country and studying in the United States, you will need a way to get a credit card, even without a credit history.  Some transactions require only credit card and will not accept cash payments.

Is it possible to get a credit card with no high annual fee and not secured?

Is there a way to do it without having to pay for monthly utility bills or car loans?

Sometimes, even applying to student credit cards from Discover or Master card may result in rejection.

Remove Negative Items on your Report

You must start by disputing any negative items.  Say you had medical bills when you were younger and could not pay them.  You need to dispute and remove them or find a way to pay for them.  Even a small debt like $300 will show you are not responsible to creditors.

Dispute your negative credit card charges.

Start with a Secured Credit Card

Go to a bank and open a secured credit card.  You may have to deposit a minimum of $500.  If you have the money to get a secured card it may be better to take care of the outstanding debts that you have.  You can only use up to the amount that you have on your account.

Stop Applying To Many Credit Cards

If you keep applying to many credit cards, your credit score will get hit and you will lose points for each new inquiry.  This accounts for 10% of your total credit score.  You need to take a break from doing this.  Even if you are declined, this will negatively affect your credit score.

 

Best Credit Cards for People with Limited Credit or No Credit History
Capital One® Platinum Credit Card
Capital One Standard Platinum Credit Card
Capital One Standard Platinum Credit Card Rates & Disclosures
  • Click APPLY HERE to apply online or call 1-866-605-0808
  • $0 intro annual fee for the first year; $19 after that
  • Image Card personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with text message alerts
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 24.90% (Variable) $0 intro for first year; $19 after that Fair Credit

 

Capital One® Classic Platinum Credit Card
Capital One Classic Platinum Application
Capital One Classic Platinum Offer Rates & Disclosures
  • Click APPLY HERE to apply online or call 1-866-585-0808
  • 0% intro APR on purchases until September 2013
  • $0 Fraud Liability if your card is lost or stolen
  • Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 09/2013 N/A N/A 19.80% (Variable) $39 Fair Credit

 

Capital One® Cash Rewards
Capital One® Cash Rewards
Capital One® Cash Rewards
  • Click APPLY HERE to apply online or call 1-866-960-8704
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash back that doesnt expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases until September 2013
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% Until 09/2013 N/A N/A 19.80% (Variable) $39 Average Credit

 

Pink ACE EliteTM Visa® Prepaid Card
ACE Pink Visa Prepaid Debit Card Card Application
ACE Pink Visa Prepaid Debit Card Card Application
  • As an official sponsor of the National Breast Cancer Foundation, purchases from the ACE Elite Card have contributed to over $2 million towards breast cancer awareness and detection.
  • Get your tax refund faster with direct deposit*
  • Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
  • Free Anytime AlertsTM – Get your balance and transactions via text or email*
  • Secure: Card funds are backed by Visa® Zero Liability*
Purchases Balance Transfers Regular APR Monthly Fee (up to) Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A $9.95* No Credit Check

 

Prepaid Visa® Classic RushCard
Prepaid Visa® Original RushCard
Prepaid Visa® Original RushCard
  • Get Your Taxes Back Safely Easily, and Quickly. Direct Deposit your Refund.
  • Convenient monthly or pay as you go plans available
  • Get Your Paycheck up to 2 days Early with Direct Deposit
  • Get Your Government benefits check up to three days early
  • No overdraft fees
  • Easy Bill Pay pay bills, rent, or write personal checks
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Check

 

Capital One® Cash Rewards for Newcomers
Capital One Cash Rewards for Newcomers Application
Capital One Cash Rewards for Newcomers  Application
  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with responsible use-plus automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 24.90% (Variable) $0 Fair Credit

 

Capital One® Secured MasterCard®
Capital One Secured MasterCard
Capital One Secured MasterCard
  • Click APPLY HERE to apply online or call 1-866-927-5828
  • Get the credit you need with no processing fees or application fees
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • Your refundable security deposit can get you a line up to $3000
  • You may qualify for credit line increases with no further security deposit required
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 22.90% (Variable) $29 Bad Credit

 

Serve® from American Express
Serve from American Express Offer
Serve from American Express
  • Free sign up and no credit check
  • No monthly or annual fees
  • Get the prepaid card and mobile app
  • Send and receive money by email and text
  • American Express safety and security
  • Link a bank account, debit or credit card; add money with MoneyPak® and use at ATMs*
  • Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access
  • *Terms, conditions and exclusions apply.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A $0 No Credit Check

 

Account Now Gold Visa® Prepaid Card
Account Now Gold Visa Prepaid Card
Account Now Gold Visa Prepaid Card
  • 100% Guaranteed Approval up successful ID verification
  • Perfect for tax refund deposit your checking account alternative.
  • $0 Activation Fee
  • Earn Bonus§ with Free Direct Deposit
  • Shop online & Pay bills online
  • Up to $10,000 balance limit
  • Deposits are FDIC insured
  • BBB Accredited A+ Company
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A up to $9.95 monthly fee No Credit Check

 

Prepaid Visa® Baby Phat RushCard
Prepaid Visa® Baby Phat RushCard
Prepaid Visa® Baby Phat RushCard
  • Free Direct Deposit sign up now and have a safe place to put your tax refund
  • Only card that lets you change your fee plan whenever you want to
  • Get Your Paycheck up to 2 Days Early with Direct Deposit
  • Easy Bill Pay pay bills, rent, or write personal checks
  • Card to card transfers
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Check

 

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