CardCompareHub

Credit Cards for Limited or No Credit

If you have limited or no credit history, getting approved for your first credit card is an important step toward building a strong financial foundation. We've identified the best starter cards — from student options to secured cards — to help you get started on the right foot.

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Top Picks

11
First Progress Prestige Secured Mastercard®

Annual Fee

$49

Credit Needed

Poor/Limited/No Credit

Foreign Fee

N/A

Purchase APR

N/A

Balance Transfer

N/A

Regular APR

13.49% (V)

Apply Now
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
  • A $200 refundable deposit is your first step toward better credit!
  • Apply with no impact to your credit!2
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  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details
Rates & fees apply. See issuer's website for full terms.
12
First Progress Select Secured Mastercard®

Annual Fee

$39

Credit Needed

Poor/Limited/No Credit

Foreign Fee

N/A

Purchase APR

N/A

Balance Transfer

N/A

Regular APR

17.49% (V)

Apply Now
  • Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
  • Apply with no impact to your credit!2
  • The first step to rebuilding your credit starts with just $200!¹
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  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details
Rates & fees apply. See issuer's website for full terms.
13
Tilt Motion Card

Annual Fee

$0

Credit Needed

Fair, Limited History, No History, Limited, No Credit

Foreign Fee

$0

Purchase APR

N/A

Balance Transfer

N/A

Regular APR

28.24% - 33.24% Variable

Apply Now
  • 1-10% cash back at select national merchants
  • No Credit Score? No problem. Credit history isn’t required for approval
  • No annual fee and no security deposit required
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  • Credit limit increases in as early as 4 months for qualified borrowers
  • Build credit alongside hundreds of thousands of Tilt card members
  • Tilt reports to all 3 major credit bureaus
  • Freeze your card in the mobile app at any time for peace of mind
  • Zero liability fraud coverage
  • Card issued by WebBank
Rates & fees apply. See issuer's website for full terms.
14
Tilt Essentials Card

Annual Fee

$0

Credit Needed

Excellent, Good, Limited History, No History, Limited, No Credit

Foreign Fee

$0

Purchase APR

N/A

Balance Transfer

N/A

Regular APR

29.99% Variable

Apply Now
  • 1% cash back on all purchases. Unlock 3% on gas and groceries with AutoPay
  • No Annual Fee
  • 1-10% cash back at select national merchants
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  • Credit limit increases in as early as 4 months for qualified borrowers
  • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
  • Build credit alongside hundreds of thousands of Tilt card members
  • Tilt reports to all 3 major credit bureaus
  • Freeze your card in the mobile app at any time for peace of mind
  • Zero liability fraud coverage
  • No security deposits required
  • Card issued by WebBank
Rates & fees apply. See issuer's website for full terms.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.