Credit Cards for People with No Credit

In the eyes of a credit card issuer, people with no credit are just as risky as people with bad credit. If you are just entering the world of credit, you won't be able to get a high-end rewards card out of the starting gates. Instead, you will probably need to research beforehand and decide which cards you have a chance at qualifying for.

Like those with bad credit, a secured credit card will be your easiest option. Secured cards require money from you up front before you are extended any credit. If a secured credit card sounds undesirable to you, there are regular cards available to people with no credit.

However, these cards will have very high interest rates until you have proven yourself a responsible cardholder.

Credit Panda's Recommended Credit Card

Credit Panda recommends All-Access® Visa® Prepaid Card as our favorite No Credit credit card.

  • $10,000 Load Capacity - Reloadable at Retailers Nationwide
  • 100% Approved - No Credit Check and Bad Credit is Okay
  • FREE Savings Accounts - Higher Rate Than Most National Banks
  • No Upfront Payment - and No Minimum Balance Requirements
  • FREE Instant Transfers - Send Money to Other Cardholders
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

All-Access® Visa® Prepaid Card

  • $10,000 Load Capacity - Reloadable at Retailers Nationwide
  • 100% Approved - No Credit Check and Bad Credit is Okay
  • FREE Savings Accounts - Higher Rate Than Most National Banks
  • No Upfront Payment - and No Minimum Balance Requirements
  • FREE Instant Transfers - Send Money to Other Cardholders
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Eufora™ Elite Credit Builder Prepaid MasterCard®

  • Cash Reward Program
  • No Credit Check
  • Zero Liability
  • Optional Credit Bureau Reporting
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$100

None

Eufora™ Preferred Credit Builder Prepaid MasterCard®

  • Cash Reward Program
  • No Credit Check
  • Zero Liability
  • Optional Credit Bureau Reporting
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$60

None

Eufora™ Associate Prepaid MasterCard®

  • Cash Reward Program
  • No Credit Check
  • Zero Liability
  • New Car Sweepstakes
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$30

None

All-Access® MasterCard® Prepaid Card

  • 100% Approved With No Credit Check
  • NO MONTHLY Fee (Ideal For Occasional Use)
  • $10,000 Reload Capacity Nationwide
  • No Upfront Payment and No Minimum Balance
  • No Bounced Checks or Overdraft Fees
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$30

None

Wired Plastic™ Prepaid Visa® Card

  • No Bounced Check, NSF and Overdraft Charges EVER!
  • New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
  • FREE Bill Pay Service - Pay Anyone Online or Over the Phone
  • FREE Rewards Program - Earn 1 Point for Every $1 Spent, Redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Credit Builder with Overdraft Protection
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$30

None

Prepaid Visa® RushCard™

  • Created by Philanthropist and Entrepreneur Russell Simmons
  • No Monthly, Annual, or Hidden Fees
  • Quick, Easy Application
  • Everyone is Eligible � No Credit Check or Employment Verification
  • Free Money Loading With Direct Deposit of Pay or Government Benefits
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Baby Phat Prepaid Visa® RushCard™

  • Simple and Reasonable - No Monthly, Annual, or Hidden Fees
  • Use Anywhere Visa Debit Cards are Accepted - In Stores on the Internet, and Over the Phone
  • Everyone is Eligible � No Credit Check or Employment Verification
  • Free Money Loading With Direct Deposit and Free 24x7 Customer Service
  • Quick, Easy Application - No Monthly Fee
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

BuyRIGHT Pre-Paid MasterCard®

  • On-Time Monthly Payments Reported To at Least One Major Credit Bureau
  • Free Direct Deposit
  • Flexible Fee Structure
  • Free Account Activity Alerts
  • BuyRIGHT Rewards Program
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Account Now™ Vantage Debit MasterCard®

  • Keep Track of Monthly Spending
  • Free Direct Deposit
  • Make Purchases Online and Offline
  • Free Pay Anyone Bill Pay
  • No Need to Carry Cash
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Account Now™ Vantage Debit Visa® Card

  • Keep Track of Monthly Spending
  • Free Direct Deposit
  • Make Purchases Online and Offline
  • Free Pay Anyone Bill Pay
  • No Need to Carry Cash
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Western Union® Prepaid MasterCard®

  • No Credit Check
  • Short Easy Application
  • Reload with Cash at Any of over 48,000 Western Union Agent Locations in the U.S.A.
  • No Bank Account Required
  • Directly Deposit Your Paycheck to Your Card with No Charge
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

Millennium Advantage Pre-Paid MasterCard®

  • No Credit Check or Income Verification Required
  • Use Your Card at Over 900,000 ATMs and Millions of Locations Worldwide!
  • No Minimal Balance Required!
  • No Chexsystem Check
  • Phone and On-line Account Access
  • Apply now at the New Millennium Bank website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

No APR

$0

None

New Millennium Bank Platinum Visa®/MasterCard®

  • Free Companion Airfare
  • Get Approved for Up To $10,000 in Secured Credit with No Credit Check
  • Guaranteed Issue
  • Membership in TheWorldsBestTravelClub.Com, which Offers Cardholders a $69 Cash Rebate on Their First Condo Booking
  • Credit Amount Equals the Deposit
  • Apply now at the New Millennium Bank website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

19.5% Fixed

$59

None