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Credit Cards for No Credit History

If you don’t have credit history in the United States, you won’t be approved for traditional credit cards because without a US-based credit history (FICO credit score) and a Social Security Number, the credit card companies cannot assess your risk profile.

“Credit Builder” credit cards are credit cards for people with no credit history. No social security numbers nor US credit scores are required. 

 

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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5 Cards Available:

Credit card
Estimated Bonus Value :

$100

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$100

Offer: Receive $100 as a statement credit when you spend $500 within your first 6 months.

This credit card from Chase is designed to help those building credit to do so faster.

Receive a 0% Intro APR for 12 the first months after account opening on purchases and balance transfers (at which point you'll have a variable APR of 14.99 - 23.74%.)

You will automatically be considered for an APR reduction of 2% per year when you pay on time each month and have spent at least $1,000 before your next card anniversary date.

Chase will also automatically consider you for a higher credit line: They will automatically review your account (one time) for a higher credit limit when you pay on time as long as you spend $500 within your first six months.

This card has no annual fee.

Offer: Receive $100 as a statement credit when you spend $500 within your first 6 months.
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: Get a monthly $5 Streaming Subscription credit for 12 months on select Streaming Subscriptions as long as you you pay on time

Designed with students in mind, this no-fee card offers 1% cash back on everything, plus a .25% bonus when you pay on time, for a total of 1.25%.

You only need average credit to qualify and it comes with nice extras that other student cards might not have, like no foreign transaction fees.

A solid starter card to build your credit from.

NOTE: Our calculator assumes you will make on-time payments, for the full 1.25% cash back. Your rewards will be less if you do not pay on-time.

Offer: Get a monthly $5 Streaming Subscription credit for 12 months on select Streaming Subscriptions as long as you you pay on time
Credit card

Jasper Mastercard®

Annual Fee: $0

Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: None

If you don't already have a credit history in the United States, likely because you are a new arrival without a Social Security Number, you are in the awkward position of trying to prove to US credit card companies that you are credit worthy.

The Jasper Mastercard® is designed just for you, with credit lines up to $5,000. 

Your on-time payments will be reported to US credit bureaus, which will help you build your US credit history. 

There are no annual fees, and you can even add Jasper to your mobile wallet like any other Mastercard. 

A Jasper rewards program is coming soon, but for right now you will not earn any rewards or cash back.

Offer: None
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: Get 1 year of free Amazon Prime Student after spending $500 in your first three billing cycles with your new EDU card (Lifetime Value of $59).

The Deserve EDU credit card is designed for students looking to build their credit profile while still earning 1% back in rewards.

Deserve EDU Review, Features and Benefits

  • Amazon Prime Student free for one year after your first purchase.
  • Cell Phone Protection (Up to $600 a year; see terms)
  • Car rental Collision Damage Waiver (CDW) coverage (see terms)
  • No annual fees
  • No foreign transaction fees
  • No Social Security Number is required to apply if you are an international student in the US. (Build your US Credit!)
  • Earn 1% Cash Back on all purchases with your Deserve Mastercard
Offer: Get 1 year of free Amazon Prime Student after spending $500 in your first three billing cycles with your new EDU card (Lifetime Value of $59).
Credit card

Citi Secured Credit Card

Annual Fee: $0

Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: No bonus offer is available at this time.

The Citi Secured card is for people with limited or no credit history that cannot be approved for a traditional credit card.

You will need to make a security deposit of at least $200 and your credit line will be equal to the amount of security deposit that you give.

The Citi Secured card can be used anywhere that Mastercard is accepted.

This credit card does not earn rewards or cash back.

Offer: No bonus offer is available at this time.

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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