Limited/No Credit

Limited Credit/No Credit

What if you have No Credit History?

Simply put, in order to get credit, you need a Credit History.  If you want to get a loan to buy a car, you need Credit History. If you want to buy online, in most cases you will need a Credit Card.  If you are planning to rent an apartment, you can expect a credit check as part of the process.  Cable companies and utilities will look for a satisfactory Credit History or require a security deposit.  So if you are starting out, building a Credit History is important to you.  Take a look at the cards below, explore and compare them to see if they match your needs in helping to build your credit history.

What if you have Limited Credit History?

Have limited credit? Here are offers designed to help you build your credit and improve your score. Make sure to pay on time and keep a low balance (relative to your credit limit) and this may improve your credit report each month.

Here are Cards our Visitors like the Most

Applied Bank® Unsecured Classic Visa® Card

Credit Recommended

Poor/Damaged Credit

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  • Regular APR: 29.99%
  • Late Payment Fee: Up to $38
  • Return Payment Fee: Up to $38
  • Card Brand: Visa®
  • Annual Fee: See website for Details*
  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATMs and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Wont Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments

BOOST Platinum Card

Credit Recommended

Damaged credit to Fair credit

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  • Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR: None
  • Monthly Fee: $177.24 annually ($14.77 per month)
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check

Upgrade Select Visa®

Credit Recommended

See website for Details*

Apply Now

  • Annual Fee: $39
  • Intro Purchase APR: N/A
  • Regular APR: 21.96% -29.99%
  • Intro Transfer APR: N/A
  • Cash Advance APR: N/A
  • Cash Advance Fee: N/A
  • Late Payment Fee: $0
  • Penalty APR: N/A
  • Regular Transfer APR: 21.96% -29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Trans Fee: Up to 5%
  • Return Payment Fee: $0
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Mobile app to access your account anytime, anywhere

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

FIT™ Platinum Mastercard®

Credit Recommended

Fair/Poor/Bad

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  • Regular APR: 35.90% Fixed
  • Annual Fee: $99 introductory fee for the first year, then $125 thereafter
  • Return Payment Fee: Up to $41.00
  • Late Payment Fee: Up to $41.00
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Monthly Maintenance Fee: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
  • Credit Limit: $400 unsecured (with upfront processing fee)
  • Processing Fee: $95 (one-time fee)
  • Additional Card Fee: $30 (one-time, if applicable)
  • Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Trans Fee: 3% of each transaction in U.S. dollars
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

Group One Platinum Card

Credit Recommended

Damaged/Fair

Apply Now

  • Credit Limit: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR: 0% APR
  • Monthly Fee: See website for Details*
  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

Net First Platinum

Credit Recommended

Damaged credit to Fair credit

Apply Now

  • Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR: 0% APR
  • Monthly Fee: See website for Details*
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

*See Card for Details

No Credit History? Apply for a secured credit card

If a person has cash available, they could be approved for a secured credit card. You can use a secured credit card just like a typical credit card, and charge up to the credit line equal to a cash deposit you put down in advance.  For example, with a $300 cash deposit, you’ll have $300 to spend with that card.  Repaying your card bill on time will lead to your much-needed credit score.  See some good secured credit card options below.

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended

No credit, Poor, Fair

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  • Regular APR: 29.99% (variable)
  • Annual Fee: $0
  • Credit Line: $300-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 29.99% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended

Poor/Fair/Limited/Damaged

Apply Now

  • Regular APR: 9.99% Fixed
  • Annual Fee: $48
  • Credit Line: $200 - $1,000
  • Brand Name: Visa®
  • Security Deposit: $200 - $1,000
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

OpenSky® Secured Visa® Credit Card

Credit Recommended

Poor

Apply Now

  • Regular APR: 25.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 25.64% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

First Progress Platinum Prestige Mastercard® Secured Credit Card

Credit Recommended

Poor/Limited/No Credit

Apply Now

  • Regular APR: 15.24% (V)
  • Annual Fee: $49
  • Credit Line: $2,000
  • Cash Advance APR: 24.24% (V)
  • Rewards Rate: 1% Cash Back
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Merrick Bank Secured Credit Card

Credit Recommended

See website for Details*

Apply Now

  • Regular APR: 22.70% Variable
  • Annual Fee: $36 for first year. Billed $3 per month thereafter
  • Credit Line: $200-$3,000, depending on deposit amount
  • Cash Advance APR: 27.70% Variable
  • Cash Advance Fee: 4% Min: $10
  • Late Payment Fee: Up to $40
  • Return Payment Fee: Up to $40
  • Foreign Trans Fee: 2%
  • Minimum Deposit: $200
  • Regular Transfer APR: N/A
  • Penalty APR: N/A
  • Balance Transfer Fee: N/A
  • Intro (Purchases): N/A
  • Intro (Transfers): N/A
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Here are more cards that might meet your needs, Click a card below to find out more.

Freedom Gold Card

Credit Recommended

Damage credit to Fair credit

Apply Now

  • Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
  • Monthly Fee: See website for Details*
  • Regular APR: 0% APR
  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK

*See site for details

Reflex® Platinum Mastercard®

Credit Recommended

Fair/Poor/Bad/Limited

Apply Now

  • Regular APR: 35.90% Fixed
  • Credit Limit: up to $1,000
  • Annual Fee: $75 - $125
  • Late Payment Fee: Up to $41.00
  • Return Payment Fee: Up to $41.00
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Monthly Maintenance Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $
  • Additional Card Fee: $30 (one time, if applicable)
  • Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Trans Fee: 3% of each transaction in U.S. dollars
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Surge® Platinum Mastercard®

Credit Recommended

See website for Details*

Apply Now

  • Regular APR: 35.90% Fixed
  • Late Payment Fee: Up to $41.00
  • Return Payment Fee: Up to $41.00
  • Intro Rate: See website for Details*
  • Intro Period: See website for Details*
  • Annual Fee: $75 - $125
  • Balance Transfer: See website for Details*
  • Intro (Purchases): See website for Details*
  • Intro (Balance Transfers): See website for Details*
  • Monthly Maintenance Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $
  • Additional Card Fee: $30 (one time, if applicable)
  • Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Trans Fee: 3% of each transaction in U.S. dollars
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required

First Access Visa® Card

Credit Recommended

Fair

Apply Now

  • Regular APR: 35.99%*
  • Cash Advance APR: 35.99%*
  • Annual Fee: $75.00 1st year, $48.00 after*
  • Program Fee: $95.00*
  • Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
  • Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
  • Credit Limit: $300
  • Rewards Rate: 1% Cash Back
  • Card Brand: Visa®