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Compare Credit Cards for New to Credit

Credit card offers from our partners

Choosing a credit card has never been easier. Browse cards based on credit bands, quickly compare offers, and find the right fit for you. 

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Cards for New to Credit

For those of you who are new to credit, have limited or no credit history, and are building your credit, below are options for a credit card from our partners that may fit your current situation and needs. These credit cards are for if you’re getting started in the credit card world and are looking to build your credit. Use your credit responsibly, for example by making your payments on-time and if you carry balances on your credit cards, try to keep them low (generally 30% or less) relative to your overall credit limit. Be sure to read the terms and conditions of the credit card offer and compare the different benefits you can get with each. Each card issuer has different criteria they use to determine if you will be approved for a credit card, so, having a credit score in a particular range is not a guarantee that you will be approved for the credit card or for the terms you applied for.

Capital One Platinum Secured Credit Card

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Limited, Bad
Highlights
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Regular APRAnnual FeeCredit Needed
29.99% (Variable)$0Limited, Bad

First Progress Platinum Select Mastercard® Secured Credit Card

Regular APR
19.24% (Variable)
Annual Fee
$39
Credit Needed
Poor/Limited/No Credit
Highlights
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APRAnnual FeeCredit Needed
19.24% (Variable)$39Poor/Limited/No Credit

First Progress Platinum Elite Mastercard® Secured Credit Card

Regular APR
25.24% (Variable)
Annual Fee
$29
Credit Needed
Poor/Limited/No Credit
Highlights
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APRAnnual FeeCredit Needed
25.24% (Variable)$29Poor/Limited/No Credit

First Progress Platinum Prestige Mastercard® Secured Credit Card

Regular APR
15.24% (Variable)
Annual Fee
$49
Credit Needed
Poor/Limited/No Credit
Highlights
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APRAnnual FeeCredit Needed
15.24% (Variable)$49Poor/Limited/No Credit

Capital One Platinum Credit Card

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Highlights
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Regular APRAnnual FeeCredit Needed
29.99% (Variable)$0Average, Fair, Limited

Capital One QuicksilverOne Cash Rewards Credit Card

Regular APR
29.99% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Regular APRAnnual FeeCredit Needed
29.99% (Variable)$39Average, Fair, Limited

Capital One Quicksilver Secured Cash Rewards Credit Card

Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Needed
Limited, Bad
Highlights
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Regular APRAnnual FeeCredit Needed
29.99% (Variable)$0Limited, Bad

First Latitude Select Mastercard® Secured Credit Card

Regular APR
19.24% (V)
Annual Fee
$39.00
Credit Needed
Poor/Limited/No Credit
Highlights
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!¹
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.
  • *See Important Disclosures for complete offer details https://images.totalcardinc.com/documents/disclosures/FirstLatitude/Important_Disclosures_Select.pdf
Regular APRAnnual FeeCredit Needed
19.24% (V)$39.00Poor/Limited/No Credit

About New to Credit Credit Cards

If you do not have credit history, then typically yes, you will need to start off with a credit card that allows for limited or no credit history at all. Credit card companies will want to know that you will be able to pay your balances and are a responsible credit holder. Once you build enough credit you may be able to be considered for a credit card with more features and benefits and higher limits.

New to credit credit cards are for people who either have a limited credit history or none at all. These credit cards are great for starting to build up your credit. Many, but not all, are secured credit cards where you have to make a security deposit with the issuing bank and the amount of your security deposit is generally what determines your line of credit. By using the credit card responsibly, such as paying your balance due on time, you could help improve your credit.

If you are starting to build your credit, there are both secured and unsecured credit cards that may be an option for you. With responsible credit management by you, you can start building up your credit history to move on to better offers. This is a solid starting point if you are a first time credit card owner and you find yourself looking to build your credit.

The upside to these credit cards is that you do not need a credit history in most cases to apply and get accepted, however approval is not guaranteed. Most secured credit card offers request a relatively low deposit to get started and some even offer rewards. The downside is that they can have relatively high interest rates, most have an annual fee you have to pay, and in some cases a processing fee as well. If one of your goals is to build your credit be sure the issuer reports your transactions to the three major credit bureaus. It’s important to start building up your credit as it can affect the types of loan terms you can get, the insurance you will pay, and the type of apartment you can rent or car you can buy. In some cases it may even translate to the job you can get. These credit cards can be a stepping stone on your journey to building your credit, but remember, it is up to you to manage your credit responsibly.

Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

Advertiser Disclosure

Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.