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No Credit History

Best No Credit History credit cards in United States

Credit cards for no credit history in United States can be had without an established credit record — a first card, or a first card in a new country.

*a card is filed here when the issuer's own page says, in a sentence about this card, that no or limited credit history is needed. A menu link, a footnote or a line about another card does not count. In the US a card is also filed here when the issuer tells the CFPB the card targets applicants with no credit score, and not scores of 720 or more. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

15
No Credit History cards filed
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The ledger

All No Credit History cards in United States

15 cards
Capital One№ 1

Capital One Platinum Secured

Mastercard issued by Capital One.

No Annual FeeNo Credit History
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 2

Chase Freedom Rise®

Visa card issued by JPMorgan Chase Bank.

Credit BuildingDining
Annual fee$0per year
Top earn rate1.5%Other
Discover Financial Services№ 3

Discover it® Student Cash Back

Discover card issued by Discover Financial Services.

Cash BackNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
Discover Financial Services№ 4

Discover it® Student Chrome

Discover card issued by Discover Financial Services.

Cash BackDining
Annual feeNot confirmed
Top earn rate2%Dining
Fifth Third Bank№ 5

Fifth Third Secured Credit Card

Credit card issued by Fifth Third Bank.

Credit BuildingNo Credit History
Annual fee$24per year
Top earn rateNot confirmed
Joplin Metro Credit Union№ 6

JOPLIN METRO CREDIT UNION SECURED VISA

Visa card issued by Joplin Metro Credit Union.

No Credit HistoryNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 10

SavorOne Rewards

Mastercard issued by Capital One.

Cash BackFair Credit
Annual fee$39per year
Top earn rate3%Dining
Sunwest Federal Credit Union№ 11

Secured Card

Mastercard issued by Sunwest Federal Credit Union.

Low InterestNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Step№ 12

Step Visa Card

Visa card issued by Step.

No Annual FeeNo Credit History
Annual fee$0per year
Top earn rateNot confirmed
WebBank№ 13

Tilt Engage Visa

Visa card issued by WebBank.

No Credit HistoryNo FX Fee
Annual fee$59per year
Top earn rateNot confirmed
Homeland Credit Union, Inc.№ 14

Visa Classic Credit Card

Visa card issued by Homeland Credit Union, Inc..

Fair CreditNo Credit History
Annual fee$10per year
Top earn rateNot confirmed
Priority First Federal Credit Union№ 15

VISA Platinum Credit Card

Visa card issued by Priority First Federal Credit Union.

Low InterestNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best no credit history credit card in United States?

The best no credit history card in United States depends on your spending and goals. We list every no credit history card we hold — 15 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a no credit history credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a no credit history card with other cards?

Yes. Many people pair a no credit history card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these no credit history card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.