Having no credit history doesn't mean you can't get a credit card — it just means you need to start with the right type of card. Secured cards, student cards, and credit builder accounts are all designed for people with no credit file.
670+
Min. Credit Score
$200+
Avg. Limit
20–29%
Typical APR
Discover it Secured2% cash back, no annual fee, upgrade review at 7 months
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Top Picks at a Glance
Discover it® Secured
Capital One Platinum Secured
Petal 2 Visa
Chase Freedom Rise
Self Visa Credit Card
OpenSky Secured VisaCapital One Platinum Secured$0 annual fee, $49 minimum deposit, automatic credit reviews
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✓ Pros
- Build or rebuild credit history
- Earn rewards on everyday spending
- Fraud protection & zero liability
- Free FICO score on statements
✗ Cons
- High APR if you carry a balance
- Low initial credit limits
- Annual fees on some cards
- Hard inquiry on application
How We Chose These Picks
WiseIQ's editorial team evaluated each option based on annual fees, rewards rates, approval requirements, customer service ratings, and overall value for the target user. All rates and terms are verified as of April 2026.
💡 Expert Tip: Always pay your full statement balance each month to avoid interest charges. Even a small balance can cost you significantly at 20–29% APR.
Petal 2 VisaNo deposit, no annual fee, 1–1.5% cash back
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Frequently Asked Questions
Can I get a credit card with no credit history?
Yes. Secured cards (Discover it Secured, Capital One Platinum Secured), student cards (Discover it Student), and cards designed for thin files (Petal 2) are all accessible with no credit history.
What's the easiest credit card to get with no credit?
The OpenSky Secured Visa is the easiest — it requires no credit check and no bank account. The Discover it Secured and Capital One Platinum Secured are also highly accessible with no credit history.
How long does it take to build credit from zero?
Most people see a credit score generated within 3–6 months of opening their first credit account. Meaningful score improvement (to 650+) typically takes 12–18 months of on-time payments and responsible use.
Should I get a secured or unsecured card with no credit?
Start with a secured card if you have no credit history. Secured cards are easier to get approved for and report to all three bureaus just like regular cards. After 6–12 months of on-time payments, many issuers will upgrade you to an unsecured card.