Apply Online for a No Credit Card
Credit card issuers are hesitant to grant credit to people with little or no credit history. It seems ironic, but it's true: you need credit to get credit. This makes it hard for many people to build a good credit rating. However, there are some credit card companies that are willing to take a chance on consumers that are new to the world of credit.
Some issuers will consider your earnings on a paystub as a means of granting credit. Often, the credit card company will require you to set up a secured account, which means you'll have to offer collateral to open the credit card.
Once you secure this type of credit card, it is key to use it wisely. You'll be using it to build your credit history, so you don't want to use it in a way that will reflect badly on your creditworthiness. Credit cards given to people with no credit history generally have a low credit limit. In some cases, they may also have a high interest rate, so make sure you don't carry a balance. Otherwise, you'll be subject to large finance charges.
Online No Credit Credit Card Applications
The following online credit card applications keep your personal data safe with SSL technology, so you can apply with confidence.
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- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- 0% APR on Purchases for Up to 15 Months
- Low Balance Transfer APR — 4.99% Fixed APR for the Life of the Balance
- No Annual Fee
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 15 Months
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As low as 8.99%
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None
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$0
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- 0% APR for Up To 6 Months on Purchases and Balance Transfers
- Earn Up To 10% in Introductory Rebates
- There's No Limit to the Amount of Rebates You Can Earn!
- Earn Up To 5% in Rebates after the Introductory Period
- No Annual Fee
- Online Account Management
- Zero Liability Against Unauthorized Purchases
- Read our review
- Apply online now at Chase's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 6 Months
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13.99%
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None
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$0
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for Up to 12 Months
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As low as 8.99%
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None
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$0
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- Option to Enroll in the Complimentary Membership Rewards Express® Program, with Flexible Rewards for You or Your Business
- 0% introductory APR on Purchases for Up To 15 Months
- No Annual Fee for Additional Cards
- No Annual Fee with the Flexibility to Pay in Full or Carry a Balance
- There's No Limit to the Number of Points You Can Earn and Points Have No Expiration Date
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- Built-In ExpressPay Technology that Lets You Make Small Purchases Fast without Swiping Your Card
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 15 Months
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As low as Prime Rate + 2.99%
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None
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$0
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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6.50%
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None
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$35
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- FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING!
- As Seen in Stores Nationwide
- FREE (5% APR) Savings Account - EXCLUSIVE OFFERING!
- Extra User Cards — EXCLUSIVE OFFERING!
- FREE Mobile Money Transfers - EXCLUSIVE OFFERING!
- Refer-a-Friend and You Both Get Paid - EXCLUSIVE OFFERING!
- Direct Deposit - Get Paid Fast
- Unlimited Purchase Transactions
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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No Introductory Rate Available
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No APR
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None
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$0
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- Free Online Account Management
- 0% APR for 6 Months on Purchases, Cash Advances, and Balance Transfers
- Build Your Credit History
- Earn Rebates Towards Any Car, New or Used**
- $0 Liability on Unauthorized Purchases
- No Annual Fee
- Read our review
- Apply online now at Citibank's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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14.99%
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None
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$0
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- Online Access to View Transactions, Pay Your Bill, View Up to 48 Prior Statements for Both Individual Cardholders and for Companies With Multiple Cardholders
- 0% APR* on Purchases for the First 12 Billing Cycles After Account is Opened
- Separate Business Expenses for Company Travel, Entertainment, Supplies or Other Necessary Purchases
- No Annual Fee
- Purchases Automatically Protected From Theft or Damage Within the First 90 Days
- Receive Easy-To-Read Management Reports, Itemizing Your Employees' Business Expenditures
- Get Records of Tax-Deductible Expenses
- Receive Up to 60% Off Regular Rates at More Than 11,000 Hotels, Motels and Resorts in 146 Countries and Territories
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 12 Billing Cycles
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9.99%
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None
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$0
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- Receive Easy-to-Read Management Reports, Itemizing Your Employees' Business Expenditures, and Records of Tax-Deductible Expenses
- Introductory 0% APR* on Purchases for the First Six Billing Cycles After Your Account is Opened
- No Annual Fee
- Earn 3 Points With Every Dollar You Spend on Gas, Restaurants, Office Supply and Home Improvement Stores. Plus 1 Point on All Other Purchases*
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Billing Cycles
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13.99%
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None
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$0
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- 0% Intro APR for First 6 Months
- Up To 5% Cash Back on Virtually all Purchases
- No Annual Fee
- No Limit on the Cash Back You Can Earn
- Option to Pay over Time or Pay in Full
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- Earn Cash Rewards on Purchases Made by Additional Cardholders
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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As low as Prime + 2.99%
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None
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$0
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The credit card information shown here is provided by CardOffers.com. Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.