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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2 Cards Available:
Journey Student Rewards from Capital One
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
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.
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
This credit card from Chase is designed to help those building credit to do so faster.
Receive a 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.49% - 28.24% on balance transfers and purchases after the introductory period ends.
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.
Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
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Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
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Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
