Credit Card Offers for New to Credit from Our Partners

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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.

About New to Credit Credit Cards

Do you need to go with a no credit history credit card?

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.

What is a new to credit credit card?

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.

What kind of credit card can I get?

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.

What are the pros and cons?

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.

Helpful Resources

OpenSky® Secured Visa® Credit Card Review

Credit card pre-approval preparation

Credit vs debit: What does your payment method say about you?

Using your first credit card to create lifelong habits

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† 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.

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