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.
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4 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
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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
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.


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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
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
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.


Deserve EDU Student Credit Card
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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
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
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


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
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
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.
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Here’s how we calculated your Bonus Value:
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