Limited to No Credit Offers

Having limited or no credit makes getting approved for a credit card difficult. The offers below can be a good starting point to help you build a credit history for better offers with more rewards.

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6 Offers -

Oportun® Visa® Credit Card

Rewards: None
Good, Fair, Limited or No Credit

Credit line up to $1,000 – get a response in minutes
No security deposit or credit history required to apply
Zero Fraud Liability – you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase
Worldwide acceptance in stores or online
Start establishing credit history – monthly reporting to all 3 major credit bureaus
24/7 online account management – friendly support in English and Spanish
If you are assessed a finance charge, it will be no less than $1.00
Card issued by WebBank, Member FDIC
You must respond directly to this offer to receive these terms. Applications in response to other offers may result in different terms. See the online provider's credit card Cardholder Agreement for details about terms and conditions. Reasonable efforts are made to maintain accurate information. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	24.90%-29.90% Variable	$0 - $49	Be the First

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Rewards: None
For Fair, Bad, Limited Credit

Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
Absolutely No Credit Check or Minimum Credit Score Required
Automatic Reporting to All Three National Credit Bureaus
9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
Activate Today with a $200 Minimum Deposit - Maximum $1,000.
Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	9.99% Fixed	$48	Be the First

Merrick Bank Secured Credit Card

Rewards: None
For Bad, Limited or No Credit

Choose your own credit line based on how much money you want to put down as a security deposit.
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
After 9 months, we review your account for a credit line increase. No additional deposit required!
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	22.95% Variable	$36 for first year. Billed $3 per month thereafter	Be the First

First Progress Platinum Prestige Mastercard® Secured Credit Card

Rewards: Cash Back
For Bad, Limited or No Credit

Earn 1% Cash Back Rewards with First Progress Prestige!
Apply now and fund your security deposit over 90 days with the option to make partial payments.
You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
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.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	14.49% (V)*	$49	Be the First

OpenSky® Secured Visa® Credit Card

Rewards: Cash Back
For Bad, Limited or No Credit

New feature! Earn up to 10% cash back* on everyday purchases
No credit check to apply. Zero credit risk to apply!
Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
Get free monthly access to your FICO score in our mobile application
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Apply in less than 5 minutes with our mobile first application
Choose the due date that fits your schedule with flexible payment dates
Fund your security deposit over 60 days with the option to make partial payments
Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
*See Rewards Terms and Conditions for more information

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	24.89% (variable)	$35	Be the First

Reflex® Platinum Mastercard®

Rewards: None
For Fair, Bad, Limited Credit

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See Rates & Fees

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	35.90% Fixed	$75 - $125	Be the First

†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which USNationalCreditCards.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). USNationalCreditCards.com does not include all credit card companies or all available credit card offers.

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities