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 or are rebuilding your credit, below are options for a credit card from our card 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 or rebuild your credit. Use your card responsibly, for example by making your payments on-time and if you carry balances on your 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 card offer and compare the different benefits you can get with each card. Understand 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 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 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. They mostly consist of 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. With responsible use by you, such as paying your balance due on time your credit score should improve.

What kind of card can I get?

If you are starting to build credit or want to rebuild your credit, there are both secured and unsecured 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 or if you find yourself looking to rebuild your credit.

What are the pros and cons?

The upside to these 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 or rebuild your credit be sure the card 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: The credit card offers that appear on this site are from credit card companies from which this site may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. 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. 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 author's alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer. All images and trademarks are the property of their respective owners.