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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.

Limited Credit - Credit Cards

Everyone has to start somewhere—and building credit shouldn’t feel like a catch-22. If you’re new to credit, whether you’re a recent grad or just haven’t had many accounts before, there are credit cards made just for you. These cards are designed to help people with limited credit history take that all-important first step. With responsible use, you can start growing your credit score and open the door to better financial opportunities down the road. Ready to get started? Browse our top picks for the best credit cards for limited credit and find the one that fits your goals.

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Today’s Featured Card

Experian CreditMatch™

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

  • Rating

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    See Terms

  • Annual Fee

    See Terms

  • Updated For

    Fri 19 Dec 2025

  • Full Details

    Card Page

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Arro Card

Start with credit limit up to $300, grow to $2,500

  • Card Brand

    MasterCard

  • Credit Recommended

    All Credit Types Accepted

  • Annual Fee

    $60* (*discounted in Year 1 for starting credit lines under $300)

  • Monthly Fee

    N/A

  • Regular Purchase APR

    24.99%

  • Rewards

    1% cashback on gas and groceries

  • Full Details

    Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
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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 Provider Website

  • Monthly Fee

    See Provider Website

  • Regular Purchase APR

    See Provider Website

  • 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.
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Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*

  • Card Brand

    MasterCard

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    n/a

  • Monthly Fee

    N/A

  • Regular Purchase APR

    n/a

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.
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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

  • Monthly Fee

    N/A

  • Regular Purchase APR

    0.00%

  • Rewards

    N/A

  • Full Details

    Card Page

Highlights

Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.

  • Credit for everyone – Regardless of your credit history!
  • Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
  • No minimum security deposit required.
  • Enjoy instant gas hold removals.
  • Reports monthly to all three major credit bureaus.
  • View Product Disclosures
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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.)^

  • Monthly Fee

    N/A

  • Regular Purchase APR

    27.74% (Variable)

  • 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 27.74%. Offer valid for new customers only.

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GO2bank™

Overdraft protection up to $300 with opt-in and eligible direct deposit*

  • Card Brand

    Visa®

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    $0.00

  • Monthly Fee

    N/A

  • 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 $300 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
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.

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Chime Card™

No Credit Check to Apply6

  • Card Brand

    Visa®

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    N/A

  • Monthly Fee

    N/A

  • Regular Purchase APR

    N/A

  • Rewards

    Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3

  • Full Details

    Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

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Experian® Personal Loans Match

Let us match you to personalized loans offers

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Monthly Fee

    N/A

  • Regular Purchase APR

    See Issuer Website

  • Rewards

    See Issuer Website

  • Full Details

    Card Page

Highlights

Let us match you to personalized loans offers.
Get started with your FICO® ScoreΘ for free. Learn about personal loans.

See your FICO® ScoreΘ for free
Get your FICO® Score and Experian Credit Report along with the positive and negative factors impacting your credit.

Offers matched to you
We’ll help analyze your individual credit situation and match you to the best offers specifically for you.

Gain a trusted financial partner
Experian’s vast data assets and smart analytics power are available to you so you can be better at credit.

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Destiny® Mastercard® – Up to 3% Cashback Rewards

No security deposit required—get started today!

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    35.90%

  • Rewards

    Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • A rewards card for people with less-than-perfect credit!
  • Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
  • A guaranteed $700 credit limit to help you build access to credit, if approved.
  • With Cashback Rewards, you get to live like an A-lister.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
  • No security deposit required—get started today!
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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

  • Monthly Fee

    N/A

  • 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
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Destiny Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard

  • Credit Recommended

    Poor to Good

  • Annual Fee

    See Terms

  • Monthly Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

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
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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

    Fair/Poor

  • Annual Fee

    See Provider Website

  • Monthly Fee

    See Provider Website

  • Regular Purchase APR

    See Provider Website

  • Rewards

    See Provider Website

  • 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.
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Klover

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

  • Card Brand

    Other

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Monthly Fee

    N/A

  • 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.

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Net First Platinum

$750.00 Line of Credit*

  • Card Brand

    Other

  • Credit Recommended

    Damaged credit to Fair credit

  • Annual Fee

    See Terms

  • Monthly Fee

    N/A

  • 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

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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

  • Monthly Fee

    N/A

  • 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

Card Details Page