Best Credit Cards for No Credit
5 cards whose issuers name new or limited credit as the credit level they are meant for, ranked by score, plus 11 secured and student cards listed separately.
“No credit” or “limited credit” means you have little or no history on file, so there is not enough to generate a score. This page lists the cards whose issuer pages describe them as for people new to credit or establishing it. The wording is the issuer’s, not ours, and each issuer decides who it approves: a card being listed here does not mean you will be approved.
Secured and student cards are also common first cards. Their issuers do not state a credit level in the data we track, so they appear in a separate section below rather than in the main ranking.
Cards for no credit ranked
Ranked from our card database on October 9, 2026. Confirm the terms on the issuer’s site before you apply.
| # | Card | Type | Annual fee | Security deposit | All 3 bureaus | Ongoing APR | Score | Link |
|---|---|---|---|---|---|---|---|---|
| #1 | Chase Freedom Rise® Credit CardChase1.5% cash back on all purchases | No deposit | $0 | None | — | — | 83 | View card → |
| #2 | Fingerhut Advantage Credit AccountWebBankNo rewards | Store account | $0 | None | Yes | 29.99% fixed APR | 20 | View card → |
| #3 | Montgomery Ward Credit AccountMontgomery Ward (in-house)No rewards | Store account | $0 | None | — | high catalog rate (unknown) APR | 20 | View card → |
| #4 | Gettington Credit AccountWebBankNo rewards | Store account | $0 | None | — | ~29.99% APR | 20 | View card → |
| #5 | Stoneberry Credit AccountMason Companies (in-house)No rewards | Store account | $0 | None | — | high catalog rate (unknown) APR | 20 | View card → |
How this list is ranked. Cards are placed on this page by the credit level the issuer itself states (its own “credit level” or “best for” wording), then sorted by our card score (0–100), the same score used on our other ranking pages. We do not assign the tier ourselves, and a dash in the table means our data doesn’t state it. Partner links never change the order. Full methodology →
Also worth considering: secured and student cards
These secured and student cards are common first cards. We do not list a credit tier for them, and their issuers do not state one in our data, so they are shown here separately and ranked by the same score.
| # | Card | Type | Annual fee | Security deposit | All 3 bureaus | Ongoing APR | Score | Link |
|---|---|---|---|---|---|---|---|---|
| #1 | Secured Chime Visa® Credit CardThe Bancorp Bank / Stride Bank5% cash back on one spend category you pick each month with Chime Prime ($3,000+ direct deposits in 34 days)… | Secured | $0 | No minimum | Yes | — | 85 | View card → |
| #2 | U.S. Bank Secured Visa® CardU.S. Bank | Secured | $0 | Refundable deposit | — | — | 80 | View card → |
| #3 | Merrick Bank® Secured Credit CardMerrick Bank | Secured | $36 | Refundable deposit | — | — | 77 | View card → |
| #4 | Capital One Savor Student Cash RewardsCapital OneEarn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus… | Student | $0 | None | — | — | 70 | View card → |
| #5 | Capital One Quicksilver Student Cash RewardsCapital OneUnlimited 1.5% cash back on all purchases | Student | $0 | None | — | — | 68 | View card → |
| #6 | Bank of America® Customized Cash Rewards for StudentsBank of America6% cash back first year in choice category (then 3%) | Student | $0 | None | — | 17.49%-27.49% APR | 63 | View card → |
| #7 | BankAmericard® Credit Card for StudentsBank of America | Student | $0 | None | — | 14.99%–25.99% APR | 60 | View card → |
| #8 | Bank of America® Customized Cash Rewards Secured Credit CardBank of AmericaEarn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and… | Secured | $0 | Refundable deposit | — | — | 51 | View card → |
| #9 | Bank of America® Unlimited Cash Rewards for StudentsBank of America2% cash back on all purchases first year, then unlimited 1.5% | Student | $0 | None | — | 17.49%-27.49% APR | 46 | View card → |
| #10 | Bank of America® Travel Rewards Credit Card for StudentsBank of America1.5 points per $1 on all purchases | Student | $0 | None | — | 17.49%-27.49% APR | 41 | View card → |
| #11 | Bank of America® Unlimited Cash Rewards Secured Credit CardBank of AmericaUnlimited 2% cash back first year then 1.5% cash back on all purchases | Secured | $0 | Refundable deposit | — | — | 34 | View card → |
What to check before you apply
- Check what the account reports. Some store and in-house accounts may not report to all three bureaus, which limits how much they help.
- Mind the fee and APR. Starter accounts can be expensive; compare before you apply.
- Confirm the terms on the issuer’s page. Offers, fees and eligibility change.
Prefer a refundable deposit? See secured cards, or try a credit-builder loan.
FAQ
What counts as no credit?
These are cards whose issuer pages describe them as for people new to credit or establishing credit. No credit means too little history on file to generate a score. We list a card on this page only when the issuer’s own wording places it at this credit level; we do not infer it from our scores.
Will I be approved for these no credit cards?
Not necessarily. Each issuer decides who is approved, based on your full credit report, income and other factors, and a card’s listed credit level is only a guide. Applying can trigger a hard inquiry, so check the issuer’s requirements first.
Which no credit card ranks first?
By our score, the Chase Freedom Rise® Credit Card ranks first on this page (score 83, $0 annual fee). Of the 5 cards listed, 5 have a $0 annual fee. The order is by score only; partner links never change it.
Keep going
- Best cards for fair credit →
- Best cards for bad credit →
- Best cards to build credit (secured vs. no deposit) →
- Best secured credit cards →
- Secured, student & starter cards compared →
- Best credit-builder loans & accounts →
- How long it takes to rebuild credit →
- Credit score ranges (FICO and VantageScore) →
- Credit utilization guide and calculator →
- Authorized-user strategy →
- Rent and utility reporting →
Card details come from our card database, the same one YourBestCards uses. Verify terms with each issuer before applying. · Advertiser disclosure