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Building credit is easier said than done, especially since many credit card issuers don’t want to offer cards to consumers who do not have credit. However, there are card issuers that can help. There are a variety of credit card programs designed to help you build your credit and increase your credit score. Not only are these issued by some of the top rated credit providers, but they come equipped with competitive APRs, no or low annual fees, and plenty of benefits to make your life easier.
No credit check or score required
Card BrandVisa®
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 APR 28.24% Variable
Rewards n/a
Full Details Card Page
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
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.
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
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.
¹ The secured Self Visa® Credit Card is issued by Lead Bank 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 28.24%. Offer valid for new customers only.
Regular APR | 28.24% Variable |
---|---|
Annual Fee | $0 ($25 Annual Fee after the first year.)^ |
Monthly Fee | N/A |
Credit Recommended | No Credit, New to Credit, Limited Credit, Bad, Poor |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | $15 |
Overlimit Fee | n/a |
Return Check Fee | $15 |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
Start building credit by keeping your balance low and paying all your bills on time each month
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Monthly Fee N/A
Regular APR See Provider Website
Rewards n/a
Full Details Card Page
Regular APR | See Provider Website |
---|---|
Annual Fee | See Provider Website |
Monthly Fee | N/A |
Credit Recommended | Fair/Poor |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Provider Website |
Cash Advance Fee | See Provider Website |
Cash Grace Period | n/a |
Late Payment Fee | See Provider Website |
Overlimit Fee | n/a |
Return Check Fee | See Provider Website |
Foreign Transaction Fee | See Provider Website |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
Overdraft protection up to $200 with opt-in and eligible direct deposit*
Card BrandVisa®
Credit Recommended All Credit Types Considered
Annual Fee $0.00
Monthly Fee N/A
Regular APR n/a
Rewards Earn up to 7% cash back when you buy eGift Cards in the app
Full Details Card Page
*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
Regular APR | n/a |
---|---|
Annual Fee | $0.00 |
Monthly Fee | N/A |
Credit Recommended | All Credit Types Considered |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | Earn up to 7% cash back when you buy eGift Cards in the app |
No Credit Check to Apply6
Card BrandVisa®
Credit Recommended All Credit Welcome
Annual Fee N/A
Monthly Fee N/A
Regular 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
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.
Get Started today and take the first step toward building your credit.
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.
Get Started today and take the first step toward building your credit.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. and may be used everywhere Visa credit cards are accepted.
1 Out-of-network ATM withdrawal and over the counter advance fees may apply.
2 Based on a representative study conducted by Experian® in January 2024 members who made their first purchase with Credit Builder, an earlier version of Chime Card™, between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. A credit score improvement is not guaranteed. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Activity on other credit accounts may also impact your score.
3 With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
4 To fund your Chime Card™, you can deposit funds to your Checking Account (including direct deposit, ACH transfer, linking an external debit card, payment apps) or deposit cash at retailers with your debit card, barcode, or Chime Card™. Funds added to your Checking Account are transferred to your Chime Card Secured Deposit Account – other than Chime Card™ cash deposits at retailers, which go to your Chime Card Account, then deposit to your Secured Deposit Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. See your Chime mobile app for funding option details.
5 Study of Credit Builder (an earlier version of Chime Card™) saw users on avg increase their FICO® Score 8 by 30 pts over time with on-time payments. Other financial activity may impact overall credit history and scores. Results may vary, click to learn more.
6 Out-of-network ATM withdrawal and over the counter advance fees may apply.
7 Money added to Chime Card™ will be held in a secured deposit account as collateral for your Chime Card™, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
8 Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.
Regular APR | N/A |
---|---|
Annual Fee | N/A |
Monthly Fee | N/A |
Credit Recommended | All Credit Welcome |
Intro (Purchases) | N/A |
Intro (Transfers) | N/A |
Cash Advance APR | N/A |
Cash Advance Fee | N/A |
Cash Grace Period | N/A |
Late Payment Fee | N/A |
Overlimit Fee | N/A |
Return Check Fee | N/A |
Foreign Transaction Fee | N/A |
Balance Transfer Fee | N/A |
Rewards Rate | Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3 |
No Credit Check to Apply
Card BrandVisa®
Credit Recommended Limited to Good
Annual Fee 0.00
Monthly Fee N/A
Regular APR 0%
Rewards n/a
Full Details Card Page
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
Eligibility Requirements
Build Credit History
Safer Credit Building
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
Eligibility Requirements
Build Credit History
Safer Credit Building
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
¹ Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
² On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
* Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
Regular APR | 0% |
---|---|
Annual Fee | 0.00 |
Monthly Fee | N/A |
Credit Recommended | Limited to Good |
Intro (Purchases) | See Website for Details |
Intro (Transfers) | See Website for Details |
Cash Advance APR | See Website for Details |
Cash Advance Fee | See Website for Details |
Cash Grace Period | See Website for Details |
Late Payment Fee | See Website for Details |
Overlimit Fee | See Website for Details |
Return Check Fee | See Website for Details |
Foreign Transaction Fee | See Website for Details |
Balance Transfer Fee | See Website for Details |
Rewards Rate | n/a |
Credit for everyone - Regardless of your credit history!
Card BrandVisa®
Credit Recommended No to Good Credit
Annual Fee $0.00
Monthly Fee N/A
Regular APR 0.00%
Rewards Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
Full Details Card Page
Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
Regular APR | 0.00% |
---|---|
Annual Fee | $0.00 |
Monthly Fee | N/A |
Credit Recommended | No to Good Credit |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Website for Details |
Cash Advance Fee | See Website for Details |
Cash Grace Period | See Website for Details |
Late Payment Fee | See Website for Details |
Overlimit Fee | See Website for Details |
Return Check Fee | See Website for Details |
Foreign Transaction Fee | See Website for Details |
Balance Transfer Fee | See Website for Details |
Rewards Rate | Grow your savings - Earn up to a 4.00% Bonus on Savings Pods |
Pre-qualify with no impact to your credit score
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Monthly Fee N/A
Regular APR See Provider Website
Rewards n/a
Full Details Card Page
Regular APR | See Provider Website |
---|---|
Annual Fee | See Provider Website |
Monthly Fee | N/A |
Credit Recommended | Fair/Poor |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Provider Website |
Cash Advance Fee | See Provider Website |
Cash Grace Period | n/a |
Late Payment Fee | See Provider Website |
Overlimit Fee | n/a |
Return Check Fee | See Provider Website |
Foreign Transaction Fee | See Provider Website |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
No credit history needed; no hard check required
Card BrandOther
Credit Recommended All Credit Types Considered
Annual Fee n/a
Monthly Fee N/A
Regular APR n/a
Rewards n/a
Full Details Card Page
*Individual results may vary, terms and conditions may apply.
*Individual results may vary, terms and conditions may apply.
Regular APR | n/a |
---|---|
Annual Fee | n/a |
Monthly Fee | N/A |
Credit Recommended | All Credit Types Considered |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Terms |
Cash Advance Fee | See Terms |
Cash Grace Period | See Terms |
Late Payment Fee | See Terms |
Overlimit Fee | See Terms |
Return Check Fee | See Terms |
Foreign Transaction Fee | See Terms |
Balance Transfer Fee | See Terms |
Rewards Rate | n/a |
Start with credit limit up to $300, grow to $2,500
Card BrandMasterCard
Credit Recommended All Credit Types Accepted
Annual Fee $60* (*discounted in Year 1 for starting credit lines under $300)
Monthly Fee N/A
Regular APR 24.99% Variable
Rewards 1% cashback on gas and groceries
Full Details Card Page
Regular APR | 24.99% Variable |
---|---|
Annual Fee | $60* (*discounted in Year 1 for starting credit lines under $300) |
Monthly Fee | N/A |
Credit Recommended | All Credit Types Accepted |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | Up to $38 |
Overlimit Fee | n/a |
Return Check Fee | None |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | 1% cashback on gas and groceries |
Pre-qualify with no impact to your credit score
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Monthly Fee N/A
Regular APR See Provider Website
Rewards n/a
Full Details Card Page
Regular APR | See Provider Website |
---|---|
Annual Fee | See Provider Website |
Monthly Fee | N/A |
Credit Recommended | Fair/Poor |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Provider Website |
Cash Advance Fee | See Provider Website |
Cash Grace Period | n/a |
Late Payment Fee | See Provider Website |
Overlimit Fee | n/a |
Return Check Fee | See Provider Website |
Foreign Transaction Fee | See Provider Website |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Monthly Fee N/A
Regular APR See Provider Website
Rewards n/a
Full Details Card Page
Regular APR | See Provider Website |
---|---|
Annual Fee | See Provider Website |
Monthly Fee | N/A |
Credit Recommended | Fair/Poor |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Provider Website |
Cash Advance Fee | See Provider Website |
Cash Grace Period | n/a |
Late Payment Fee | See Provider Website |
Overlimit Fee | n/a |
Return Check Fee | See Provider Website |
Foreign Transaction Fee | See Provider Website |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
No credit check or hard inquiry
Card BrandMasterCard
Credit Recommended No Credit, Limited Credit
Annual Fee 0.00
Monthly Fee N/A
Regular APR 0%
Rewards Earn up to 15% cashback at selected merchants
Full Details Card Page
Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.
BUILD YOUR CREDIT SCORE EARLY AND SAFELY
Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.
BUILD YOUR CREDIT SCORE EARLY AND SAFELY
EARN CASHBACK² EVERY TIME YOU SPEND
GROW YOUR MONEY OVER TIME
EQUAL ACCESS FOR EVERYONE
SECURITY AND SUPPORT YOU CAN TRUST
Regular APR | 0% |
---|---|
Annual Fee | 0.00 |
Monthly Fee | N/A |
Credit Recommended | No Credit, Limited Credit |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | See Website for Details |
Balance Transfer Fee | n/a |
Rewards Rate | Earn up to 15% cashback at selected merchants |
$750.00 Line of Credit*
Card BrandOther
Credit Recommended Damaged credit to Fair credit
Annual Fee See website for Details*
Monthly Fee N/A
Regular APR 0.00%
Rewards N/A
Full Details Card Page
The Net First Platinum card could be the perfect card for you.
*See Card for Details
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.
The Net First Platinum card could be the perfect card for you.
*See Card for Details
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.
Regular APR | 0.00% |
---|---|
Annual Fee | See website for Details* |
Monthly Fee | N/A |
Credit Recommended | Damaged credit to Fair credit |
Intro (Purchases) | 0.00% |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | N/A |
Bad Credit, No Credit? No Problem!
Card BrandOther
Credit Recommended Damaged/Fair
Annual Fee See website for Details*
Monthly Fee N/A
Regular APR 0.00%
Rewards n/a
Full Details Card Page
Regular APR | 0.00% |
---|---|
Annual Fee | See website for Details* |
Monthly Fee | N/A |
Credit Recommended | Damaged/Fair |
Intro (Purchases) | 0.00% |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
You are pre-approved for a $750 unsecured credit line
Card BrandOther
Credit Recommended Damaged credit to Fair credit
Annual Fee See website for Details*
Monthly Fee N/A
Regular APR 0.00%
Rewards n/a
Full Details Card Page
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.
*See site for details
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.
*See site for details
Regular APR | 0.00% |
---|---|
Annual Fee | See website for Details* |
Monthly Fee | N/A |
Credit Recommended | Damaged credit to Fair credit |
Intro (Purchases) | 0.00% |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | n/a |
$750.00 Line of Credit*
Card BrandOther
Credit Recommended Damaged credit to Fair credit
Annual Fee See website for Details*
Monthly Fee N/A
Regular APR 0.00%
Rewards N/A
Full Details Card Page
The Net First Platinum card could be the perfect card for you.
*See Card for Details
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.
The Net First Platinum card could be the perfect card for you.
*See Card for Details
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.
Regular APR | 0.00% |
---|---|
Annual Fee | See website for Details* |
Monthly Fee | N/A |
Credit Recommended | Damaged credit to Fair credit |
Intro (Purchases) | 0.00% |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Rewards Rate | N/A |
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.
General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)
Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).