The Best Credit Cards For Those With No Credit History

The Best Credit Cards For Those With No Credit History

Finding the best credit cards when you’re new to using these cards can be a challenge.

It can also be difficult for those who are wary of credit cards, in general, so we will be informing you on the best credit cards to use to set you off on the right foot and to also have you feeling assured that the cards you’re using are legitimate and trustworthy.

Petal 2 Visa Credit Card

Credit Limit: $300 – $10,000

With no credit history required, an immediate 1% cash back on eligible purchases, and up to 10% cashback at select merchants, Petal Visa Credit Card is for those who want to build their credit history, all the while making money back for every purchase they make. 

There are no fees required for this card, and you’ll have a credit limit from $300 to $10,000. However, if you’re applying for this card with a credit history, keep in mind that it will affect your credit decision. 

Secured Sable One Credit Card 

sable credit card

Credit Limit: $10,000

If you like to shop till you drop, rest assured that the Secured Sable One card will handle all your spending without a killer price tag. The card has a $0 monthly and annual fee and also comes with a 1% – 2% cashback.

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Credit Limit Details

Credit Limit: $300 but there may be an increase after 6 months.

Capital One keeps those who are a bit more frugal in mind since all you need is to spend at least $2,600 a year (1.5% cashback on all daily purchases) to negate the $39 annual fee. While cardholders can also be considered for a higher line of credit after only 6 months.

Capital One Platinum Credit Card

Credit Limit: $300 or more, depending on your creditworthiness.

For those with no credit history, Capital One’s Platinum Credit Card will have you covered. It has a high approval rating for individuals with limited to no credit history and if you’re approved, there won’t be any annual fees or a required security deposit waiting for you. The only con to this card is that it doesn’t offer rewards, but what you lose in rewards is what you get in affordability.

Discover It Secured Credit Card

Credit Limit: $200 – $2,500

The best-secured credit card (type of credit card that is backed by a cash deposit from the cardholder) for individuals with no credit is Discover it® Secured Credit Card. Unlike many secured credit cards, it has a $0 annual fee and gives users rewards. Each quarter, you can earn 2% cashback on up to $1,000 spent at gas stations and restaurants and an unlimited 1% cash back on other purchases. 

Also, Discover will double your rewards as a first-year, anniversary present. 


Credit Limit: $10,000

With no credit check required, Chime’s Credit Builder Secured Visa Credit Card welcomes those with limited to no credit history to apply. There is no annual fee or interest, so it allows you to build your credit without any unnecessary cost. And Chime reports payments to major credit bureaus, so common purchases like gas, groceries, bills, and subscriptions can increase your credit score.

Still, be sure to pay off your balance each month to have your purchases factor into your score.

Deserve® EDU Mastercard for Students

Credit Limit: $5,000

Now here’s a credit card made for student ex-pats. Deserve® EDU Mastercard for Students was developed with international students in mind since it doesn’t require a credit history or a social security number. The card also has a $0 annual fee and gives 1% cashback on all purchases. And you won’t experience the headache of dealing with international transaction fees on purchases while abroad. 

However, the eligibility requirements for this card keep a limited few eligible to receive it since only students enrolled in a U.S. college can apply. 

Bank of America Unlimited Cash Rewards Credit Card For Students

Credit Limit: $500 or more

With a plethora of rewards and a $0 annual fee, this card will have you spending, while also making your money back in droves. Bank of America Unlimited Cash Rewards Credit Card For Students offers a $200 cash reward bonus after making at least $1,000 in purchases in the first 90 days of your account opening and also will allow you to earn 1.5% cashback on all purchases.

There’s no limit to the amount of cashback you can earn and cash rewards do not expire.

Citi Secured Credit Card

Credit Limit: $200 – $2,500

Citi Secured keeps cardholders safe and secured since it keeps cardholders deposits as collateral to keep you from worrying about paying your balance at the end of the month. It also offers $0 annual and monthly fees. 

However, Discover does not offer rewards, and it requires a $200 security deposit for all cardholders.

OpenSky® Secured Visa® Credit Card

Credit Limit: $200 – $3,000

Anyone, credit or no credit, is guaranteed to get this card. OpenSky® Secured Visa® Credit Card has no credit check when you apply, so approval is almost guaranteed for you if you’re at least 18 years old with enough money to afford monthly bill payments.

But the Visa has a $35 annual fee and requires a refundable security deposit of at least $200, which will be your spending limit.



The BFM Fund (Black Founders Matter), a Portland-based, seed-stage venture fund focused on Black and innovative founders, is slated to receive investment from Bank of America. The BFM Fund Logo Led by a full women of color leadership team, The BFM Fund will allocate Bank of America's investment into Black founders across various verticals within the United States. [...]

HBCU Grads Behind America’s Fastest-Growing Pizza Chain

The famed Black-owned hip-hop-inspired gourmet pizza chain Slim + Husky’s is ranked #5 in The Daily Meal's "101 Best Pizzas in America." The three remarkable owners dish out innovative pizza creations to underserved communities. [...]

Kaleidoscope X Da Brat Styling Collection Sells Out in Just Six Minutes!

One of the largest Black-owned hair-care brands in the U.S. [...]

National Alliance for Black Business (NABB) and the U.S. Department of Commerce’s Minority Business Development Agency (MBDA) Form a Historic Alliance to Develop Black-Owned...

On Wednesday, February 22, 2023, the U.S. Department of Commerce Minority Business Development Agency (MBDA), and the National Alliance for Black Business (NABB) signed a historic MOU during the NABB's first annual National Black Business Policy Conference in Washington, D.C. [...]
Kevin Ross
Kevin Ross
Kevin "KevRoss" Ross is a music and radio industry expert. He is a 20 -plus year entrepreneur with the leading most successful industry trade publication and site Radio Facts ( He has also published various books, magazines, performed marketing and promotions for major corporations and recording artists and he is on the advisory board of several industry organizations. This year Ross introduced his non profit organization LOMARI (Leaders of the Music and Recording Industry) to help teach young minority students how to market and manage their music and products.


Rick Party is New Voice for ESPN Show

Congrats to Rick Party is ESPN's official voice for the Stephen A. Smith syndicated radio show. The show is broadcast at 1pm est on 710 ESPN in LA, 98.7 in NYC and more. [...]

Small Business Tip: Five Types of Clients to Avoid

Small Business Tip: Five Types of Clients to Avoid. In business, there are the clients we love and the ones we’d rather not deal with. Once you have been doing business for a while, you start to develop a 6th sense when it comes to prospects. In my business, the music industry, after so many years of doing this, there are certain people, I know to avoid right away. [...]

There’s Some business You Just WON’T Get… How to Make it Work to Your Advantage

I was once told by a client… “Most people do business with you because they like you.” While that doesn’t say much about the product, what he said certainly does have merit. After all, there are also people who DON’T do business with you, sans a great product, because they DON’T like you. [...]

Small business Tip: Want to increase your earnings? Give some away

To all the black entrepreneurs… I know the first thing most people think is WHAT? It’s already hard enough to make ends meet with the money I’m making now. Trust me, I understand but let me give you a piece of advice that I learned a LONG time ago. When you give… you get back and a lot of times MANY times more than you gave. [...]

10 ways to find your Dream Team NOW

One of the most incredible and frustrating things I could expect with my business was finding the right dream team. It took me years to do it, which completely stifled my growth because I was doing most of the work. I would find someone to train them. [...]

Payroll Services to Consider for Your Business

Payroll Services to save time and money with your business Businesses everywhere, big and small, are turning to automated, online services to streamline their payroll systems. As we all know, a worker is worth his wages. And, a worker is also worth a reliable system that delivers their paycheck on time—every time. Streamlining your company’s payroll system can ensure that your employees are well taken care of. [...]

Business Management, 10 Ways to Make more Money for your Small business

Great Business Management Congratulations, entrepreneur….you've made it through another year of doing business. There is always room to improve, and my golden rule is, "If a client is not coming back for more services from you, you are doing something wrong." Too many times, we are living in the business moment and looking for instant financial gratification instead of building a great relationship with a client(s). There are ways you can improve your services that you may be overlooking. [...]

14 Things Successful business Owners Do

There are many things that set winners and losers apart in the small business game.  I'm sure you have heard the old saying... find your passion and the money will come. That's incredibly true and passion is FIRST. If you are in business ONLY to make money chances are you will fail miserably. You will not be dedicated to the creative end or quality service and it will be garbage in and garbage out. For the true black entrepreneur who wants to win... here are some tips.  (click "NEXT" to see each segment) 1. [...]

Leave a Reply