Credit Cards

7 best credit cards for no credit: find the right fit for you

You can build credit and have a card with a good limit, even without having a history. So, read on to see the best credit cards for no credit!

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Find the perfect card for you and be on your way to a better financial future

girl with card and notebook
Read our list to fnid the best credit card for no credit! Source: Adobe Stock.

Starting to use credit and building a score is no easy task. However, the best credit cards for no credit can be great options for having reasonable fees and successfully building your score.

two students holding credit cards

Best student credit cards of 2022: 7 great options

If you want to know the best student credit cards in 2022, you've come to the right place! This post will show you the best options according to the analysis.

There are several card options. Some with higher rewards, some with lower fees, but all focused on building credit. Check out the options we have separated to help you with this choice.

Is it possible to get a credit card with no credit?

woman with card and notebook
Learn if you can get a credit card with no credit. Source: Adobe Stock.

Contrary to what many believe, having a credit card without a credit history is possible. And best of all, you may also be entitled to some rewards, depending on your chosen option.

Credit card options for those who don’t have a history are ideal for students who are starting their financial life. Or even for those who need a credit card and have never had one before or never needed one.

The card should be chosen as per your need, as fees and rewards vary. That’s why it’s important to analyze your objective when taking out a credit card and what you expect to get from it when using it.

There are cards for all tastes that meet different needs. But for that, it is important to know the associated fees and rewards.

Get a credit card even if you have no credit history: 7 best options

credit card options
Find the card for you! Source: Adobe Stock.

There are several credit card options for those who do not have credit in the market. However, it is important to know how to choose the one that best meets your needs. Check out the main options we separate.

1) Petal® 1 “No Annual Fee” Visa® Credit Card

The Petal 1 Visa credit card, issued by WebBank, has alternative ways of determining people’s creditworthiness other than relying on FICO scores only.

So if your score isn’t so good, don’t worry; this card can be for you.

  • Credit Score: no credit history;
  • Annual Fee: $0;
  • Regular APR: 22.24% – 31.74% variable APR;
  • Welcome bonus: N/A;
  • Rewards: Up to 10% cash back on select merchants;

And if you are interested in getting this Petal card, check out our post below to learn how to apply!

Petal 1 Visa credit card

How to Apply Peta 1 Visa Card

Ready to get a credit card fast and easy? Here is what you can expect when you apply for the Petal 1 Visa card.

2) Discover it® Student Cash Back

Discover it® Student Cash Back is a great option for students who need to start using credit. It brings great rewards and a reasonable APR.

  • Credit Score: No credit history;
  • Annual Fee: $0;
  • Regular APR: 15.24% – 24.24% Variable APR; 0% intro APR for 6 months (purchases);
  • Welcome bonus: Personalized rewards during the first use of the card through Cashback Match. There are no minimum or maximum limits for this condition;
  • Rewards: Access to a 5% cash back on purchases made in different places each quarter and 1% cash back on other purchases.

3) Discover it® Secured Credit Card

The Discover it® Secured Credit Card is an excellent choice for anyone looking for rewards at restaurants and gas stations. It offers a relatively high APR rate but with a nice intro benefit.

  • Credit Score: No credit history;
  • Annual Fee: $0;
  • Regular APR: 25.24% variable APR for purchases;
  • Welcome bonus: Personalized rewards during the first use of the card through Cashback Match. There are no minimum or maximum limits for this condition;
  • Rewards: 2% cash back at gas stations and restaurants, capped up to $1,000 per quarter, 1% unlimited cash back on all other purchases.

4) Deserve® EDU Mastercard for Students

The Deserve® EDU Mastercard for Students is another great option for anyone starting their financial life. Students can benefit from 1% cashback on multiple purchases and a reasonable APR rate for this benefit.

  • Credit Score: no credit history;
  • Annual Fee: $0;
  • Regular APR: N/A;
  • Welcome bonus: N/A;
  • Rewards: 1% cashback on all card purchases.

5) Freedom Gold Card

The Freedom Gold Card is an option that offers a high limit even to those with no credit history. Also, the associated APR rate is not high, and you can build your credit with good use.

  • Credit Score: no credit history;
  • Annual Fee: $177.24 ($14.77 per month);
  • Regular APR: None;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Now, if the Freedom Gold card is the card you’ve been looking for, read our post below to learn how to apply for it!

Freedom Gold credit card

How to apply Freedom Gold Card

The Freedom Gold card is an excellent no-red-tape option for individuals with poor credit who need to get their hands on a credit card fast. Let us help you do that.

6) Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is a great travel companion. It has no extra fees associated with international transactions.

There are no cashback rewards, but you can increase your credit limit quickly as you use it.

  • Credit Score: No credit score;
  • Annual Fee: $0;
  • Regular APR: 26.99% (Variable);
  • Welcome bonus: N/A;
  • Rewards: Credit line increase after a few months of responsible use.

7) Petal® 2 “Cash Back, No Fees” Visa® Credit Card

The Petal® 2 “Cash Back, No Fees” Visa® Credit Card is a highly rated card option by users. It has slightly lower benefits than other options but may have lower APR rates in return.

  • Credit Score: no credit history;
  • Annual Fee: $0;
  • Regular APR: 15.24% – 29.24% (Variable);
  • Welcome bonus: N/A;
  • Rewards: Up to 1.5% cashback on specific purchases after completing 12 months of timely payments on installments, up to 1% cash back on other eligible purchases.

Find other options: best rewards credit cards

Choosing the best credit cards for no credit can be difficult as many options exist. Some cards offer low APR rates but no rewards or welcome bonuses, which can be discouraging.

However, there are other card options that, in addition to a good APR rate, bring associated rewards. Many of these rewards are in the form of points or cash back after specific purchases.

It is important to know which are the best options so that you can make your choice and enjoy the best benefits. Check out which are the best rewards credit cards options in our post below!

Female hands with credit cards on color background

The best rewards credit cards of 2022

When choosing the best rewards credit cards, many questions can arise. It is important to analyze carefully so as not to regret it later. So, read on!

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