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.

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First Progress Prestige Secured Mastercard®

Apply with no impact to your credit!*

Highlights

Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
Apply with no impact to your credit!*
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
All credit types welcome to apply!
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
*See Important Disclosures for complete offer details

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First Progress Select Secured Mastercard®

Apply with no impact to your credit!*

Highlights

Put Your Tax Refund to Work — Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
Apply with no impact to your credit!*
Secure your credit line with your refundable security deposit – choose from $200- $2,000 – with the ability to increase up to $5,000 over time!
Choose the First Progress Select Card for a lower annual fee!
All credit types welcome to apply!
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
*See Important Disclosures for complete offer details

Card Details Page

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the Secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

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 27.49%. Offer valid for new customers only.

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Klover

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

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.

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