Limited Credit CREDIT CARDSHow can you build credit when no one will give you the chance? This is a great question, and there’s a simple answer: credit cards for limited credit. There are many credit cards designed for people with limited credit, such as recent college graduates. Once you apply for one of these, you’re closer than ever to building your credit and boosting your score. Soon enough, you’ll be able to look into other options. Below, we share a long list of some of the best credit cards for limited credit.
Start building credit by keeping your balance low and paying all your bills on time each month
Fair/Poor
Annual FeeSee Provider Website
Wed 23 Apr 2025
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
Intro Purchase APR See Terms
Intro Balance Transfer APR See Terms
Annual Fee See Terms
Credit Recommended Any Credit History
Regular Purchase APR See Terms
Full Details Card Page
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
See your best matches based on you
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
See your best matches based on you
Advertiser Disclosure: The offers that appear on this site are from third party companies (“our partners”) from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more
| Intro (Purchases) | See Terms |
|---|---|
| Intro (Transfers) | See Terms |
| Regular APR | See Terms |
| Annual Fee | See Terms |
| Credit Recommended | Any Credit History |
| 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 |
No credit check or score required
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $25
Credit Recommended No Credit, New to Credit, Limited Credit, Bad, Poor
Regular Purchase APR 28.24% Variable
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.
*Limited Time Only: $0 Intro Annual Fee For Year 1 with the Self Card
*$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
*Limited Time Only: $0 Intro Annual Fee For Year 1 with the Self Card
*$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
¹ The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.
² 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.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 28.24% Variable |
| Annual Fee | $25 |
| Credit Recommended | No Credit, New to Credit, Limited Credit, Bad, Poor |
| 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 |
Overdraft protection up to $200 with opt-in and eligible direct deposit*
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0.00
Credit Recommended All Credit Types Considered
Regular Purchase APR n/a
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.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | n/a |
| Annual Fee | $0.00 |
| Credit Recommended | All Credit Types Considered |
| 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 |
No Credit Check to Apply
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00%
Credit Recommended Limited to Good
Regular Purchase APR 0.00%
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.
| Intro (Purchases) | See Website for Details |
|---|---|
| Intro (Transfers) | See Website for Details |
| Regular APR | No Interest |
| Annual Fee | 0.00 |
| Credit Recommended | Limited to Good |
| 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 |
Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee n/a
Credit Recommended n/a
Regular Purchase APR n/a
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | n/a |
| Annual Fee | See Terms |
| Credit Recommended | 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 |
NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee Starting at just $6/month for the annual plan
Credit Recommended Any Credit Welcome
Regular Purchase APR 0.00%
Full Details Card Page
Why Ava, you ask?
Quick Results: 74% of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+ point boost in three months!
Easy Setup: You’ll be up and running in less time than it takes to make a cup of coffee – less than 5 minutes!.
Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history.
Included in our simple pricing are:
CREDIT BUILDER CARD:
Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.
We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours.
SECURED CREDIT BUILDING ACCOUNT:
The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 – 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan!
MONTHLY FREE CREDIT REPORT
Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments.
DEDICATED CUSTOMER SUPPORT
Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at support@meetava.com.
Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we’ve got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away.
Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | Starting at just $6/month for the annual plan |
| Credit Recommended | Any Credit Welcome |
| 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 |
Pre-qualify with no impact to your credit score
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Provider Website
Credit Recommended Fair/Poor
Regular Purchase APR See Provider Website
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Provider Website |
| Annual Fee | See Provider Website |
| Credit Recommended | Fair/Poor |
| 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 |
Greater access to credit than before - $700 credit limit
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms
Credit Recommended Fair/Good
Regular Purchase APR See Terms
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms |
| Annual Fee | See Terms |
| Credit Recommended | Fair/Good |
| 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 |
Credit for everyone - Regardless of your credit history!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0.00
Credit Recommended No to Good Credit
Regular Purchase APR 0.00%
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.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | $0.00 |
| Credit Recommended | No to Good Credit |
| 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 |
No credit check or hard inquiry
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended No Credit, Limited Credit
Regular Purchase APR 0.00%
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
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0% |
| Annual Fee | 0.00 |
| Credit Recommended | No Credit, Limited Credit |
| 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 |
$750.00 Line of Credit*
Intro Purchase APR 0.00%
Intro Balance Transfer APR N/A
Annual Fee See website for Details*
Credit Recommended Damaged credit to Fair credit
Regular Purchase APR 0.00%
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.
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged credit to Fair credit |
| 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 |
Bad Credit, No Credit? No Problem!
Intro Purchase APR 0.00%
Intro Balance Transfer APR n/a
Annual Fee See website for Details*
Credit Recommended Damaged/Fair
Regular Purchase APR 0.00%
Full Details Card Page
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged/Fair |
| 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 |
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).
