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About Our Ratings

Please note: we are not a lender and do not issue credit or loans ourselves. Instead, we work in partnership with reputable credit card companies and lending institutions to connect you with potential offers. All terms—such as interest rates, fees, and approval criteria—are set solely by the lenders and are beyond our control. We do not make credit decisions, nor do we broker or process online loans or lines of credit. Our role is to share your information with our partners to help match you with available offers. However, submitting your information does not guarantee approval. The operator of this website is not a broker, agent, or representative of any lender or credit provider.

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Build Credit

With no credit history, it’s easy to assume you won’t qualify for a credit card. But that’s only because you haven’t taken the time to learn about credit cards for no credit. Despite your history, there are credit card issuers that are willing to do business with you. Once you learn more about these offers, you’ll come to find that you can apply for a credit card that allows you to build your history and boost your score. Search through our list below to get started.

the Secured Self Visa® Credit Card

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa

  • Credit Recommended

    No Credit, New to Credit, Limited Credit, Bad, Poor

  • Annual Fee

    $0 ($25 Annual Fee after the first year.)^

  • Regular Purchase APR

    28.24% (Variable Rates)

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

  • The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
  • Use your card anywhere Visa® is accepted in the US.
  • A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
  • Get help staying on track with Autopay and account alerts.
  • Manage your account 24/7 online, by phone, or in our mobile app.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

GO2bank

Overdraft protection up to $200 with opt-in and eligible direct deposit*

  • Card Brand

    Visa

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    No monthly fees with eligible direct deposit, otherwise $5 per month

  • Regular Purchase APR

    n/a

  • Rewards

    Earn up to 7% cash back when you buy eGift Cards in the app

  • Full Details

    Card Page

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app

PREMIER Bankcard® Grey Credit Card

Just complete the short application and find out in 60 seconds if you’re approved.

  • Card Brand

    Visa

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    No monthly fees with eligible direct deposit, otherwise $5 per month

  • Regular Purchase APR

    n/a

  • Rewards

    Earn up to 7% cash back when you buy eGift Cards in the app

  • Full Details

    Card Page

Highlights

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard

  • Credit Recommended

    Bad/Poor/Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    35.9%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

  • Card Brand

    MasterCard

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0% interest

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.

With Ava, you can expect:

  • No hidden fees
  • 0% interest
  • Instant account set up with no credit check
  • $0.00 deposit/collateral required

Current Build Visa® Credit Card

Credit for everyone - Regardless of your credit history!

  • Card Brand

    Other

  • Credit Recommended

    No to Good Credit

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0.00%

  • Rewards

    Grow your savings - Earn up to a 4.00% Bonus on Savings Pods

  • Full Details

    Card Page

Highlights

  • Credit for everyone – Regardless of your credit history!
  • Get paid up to 2 days faster – Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings – Earn up to a 4.00% Bonus on Savings Pods

View Product Disclosures

MAGNUM – Credit Builder Account

No credit history needed; no hard check required

  • Card Brand

    Other

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Get up to a +86 average* FICO® Score increase on autopilot
  • Largest credit builder in the nation
  • Build from $2,000 up to $30,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

PREMIER Bankcard® Mastercard® Credit Card

Pre-qualify with no impact to your credit score

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair/Good

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Greater access to credit than before – $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7

Destiny Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard

  • Credit Recommended

    Poor to Good

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Simple and fast application process
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Build your access to credit – $700 credit limit

Kikoff

0% APR and No Hidden Fees

  • Card Brand

    Other

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0% APR

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A  tradeline from $750 up to $2,500
  • Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Credit building on your terms

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Klover

Pocket your cash in minutes –– get up to $200

  • Card Brand

    Other

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0% APR

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $200 cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero.

HOW TO GET YOUR FIRST ADVANCE:

  • Enter your name, email and phone to sign up in seconds
  • Connect your bank so we know where to send your money
  • Pocket your cash in minutes –– get up to $200

But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie:

SCORE EASY POINTS

Earn points for things like taking surveys and watching ads. You can then cash them out for a bigger advance or to enter our daily sweepstakes.

WIN MONEY ON THE DAILY

You’ve got a chance to win $100 every day. Plus, five people get to pocket $20. That’s over 2000 chances to win each year!

BUDGET LIKE A BOSS

Level up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets.

MONEY FROM THE FUTURE

It’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero.

Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Other

  • Credit Recommended

    Damaged credit to Fair credit

  • Annual Fee

    See Terms

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

*See Card for Details

PREMIER Bankcard® Gold Credit Card

Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • Award-winning, U.S.-based customer service

Freedom Gold Card

You are pre-approved for a $750 unsecured credit line

  • Card Brand

    Other

  • Credit Recommended

    Damaged credit to fair credit

  • Annual Fee

    See Terms

  • Regular Purchase APR

    0.00%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

  • $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