Shop and compare the best credit cards

Consumer Credit Card Guide > Credit Cards for People with Limited Credit or No Credit History

Credit Cards for People with Limited Credit or No Credit History

The following Credit Cards and Prepaid Debit Cards are for people with limited or no credit history. Compare offers side by side and apply online for the card that is right for you. Apply for the Limited or No Credit credit card of your choice by completing a secure online application.

New Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt, or has an adult co-signer who agrees to accept joint liability for the account.

Prepaid Visa® Pink Diamond RushCard

100% Guaranteed Approval* - No Credit Check.
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.
Free prescription discount card.
Easy Bill Pay - pay bills, rent, or write personal checks.
Card to card transfers.

Intro APR	Intro APR Period	Regular APR	Monthly Fee (up to)	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$9.95*	N/A*	No Credit Check*

Orchard Bank Classic MasterCards

An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	14.99%-19.99%*	$0 - $59 the first year, $35 - $59 per year thereafter*	Yes*	Bad Credit*

Orchard Bank Visa Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	14.99%-19.99%*	$0 - $59 the first year, $35 - $59 per year thereafter*	Yes*	Bad Credit*

Prepaid Visa® Black Diamond RushCard

100% Guaranteed Approval* - No Credit Check
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
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Intro APR	Intro APR Period	Regular APR	Monthly Fee (up to)	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$9.95*	N/A*	No Credit Check*

Prepaid Visa® Purple Diamond RushCard

100% Guaranteed Approval* - No Credit Check
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
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Intro APR	Intro APR Period	Regular APR	Monthly Fee (up to)	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$9.95*	N/A*	No Credit Check*

Journey^SM Student Rewards from Capital One®

Journey<sup>SM</sup> Student Rewards from Capital One®

Designed to help students build good credit with responsible use
Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
Customizable text and e-mail alerts to help keep you on track
Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
No annual fee
$0 Fraud Liability if your card is lost or stolen

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	19.8% (V)*	None*	Yes*	Average*

Account Now Gold Visa^® Prepaid Card

100% Guaranteed Approval* - No Credit Check
$0 Activation Fee
$25 bonus with Free direct deposit§
Free Online Bill Payment
Up to $10,000 balance limit
Instant Account Number - Perfect for getting your Tax Refund faster with direct deposit

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	N/A*	No Credit Check*

Pink ACE Elite^TM Visa^® Prepaid Card

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.
Free Direct Deposit - tax refunds get credited in as few as 8 days and paychecks are available up to two days faster*
Direct Depositing $500 in one calendar month qualifies you for a $10 Purchase Cushion & our lowest fee plan*
No credit check, No application fee, No obligation*
Secure: Card funds are FDIC insured, backed by Visa® Zero Liability*

Intro APR	Intro APR Period	Regular APR	Monthly Fee (up to)	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$9.95*	N/A*	No Credit Check*

KLS Prepaid Visa® RushCard

100% Guaranteed Approval* - No Credit Check
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
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Intro APR	Intro APR Period	Regular APR	Monthly Fee (up to)	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$9.95*	N/A*	No Credit Check*

Walmart MoneyCard^SM Visa^® Prepaid Card

Walmart MoneyCard<sup>SM</sup> Visa® Prepaid Card

No issuance fee online.
No credit check or bank account required
No overdraft fees
No minimum balance required
Free Direct Deposit.
$10 bonus with qualifying Direct Deposit (for a limited time only)
Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs

Intro APR	Intro APR Period	Regular APR	Monthly Fee (up to)	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$3.00*	N/A*	No Credit Check*

* See the online credit cards for people with limited or no credit history applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on the credit card issuer's web site.

Recent Credit Card Help and Advice

Who You Owe: The Difference Between the Bank and the Network

When evaluating and comparing credit cards, it helps to understand the terminology used in the industry. The card issuer, for example, is entirely ...

Read full story

Recent Credit Card Blog

Credit Card Basics: What is APR

When you're comparing credit card offers and want to make the most informed financial decisions about your credit, it's important to understand how APR is calculated, and what the difference is between variable and fixed APR. Here's what you need to know.

Read full post