Geeky Insights:
Best Credit Cards for No Credit - 2023
DollarGeek's goal is to help you make the best possible financial decisions. To help us do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations or ratings.
DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.
What kind of card are you looking for?
Showing 1-10 of 14 Credit Cards
(4.9)
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
(4.9)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
17.39% - 17.39% (Variable Rate)
Geeky Insight:
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- * View the cardholder agreement
(4.8)
Green Dot primor® Visa® Gold Secured Credit Card
Green Dot primor® Visa® Gold Secured Credit Card
(4.8)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
9.99% - 9.99% (Variable Rate)
Geeky Insight:
- Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional Green Dot primor® Visa® Gold Secured Credit Card details
(4)
State Farm Bank Student Visa® Credit Card
State Farm Bank Student Visa® Credit Card
(4)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: 3% (min $10) - Regular APR:
15.24% - 23.24% (Variable Rate)
Reward Details:
- Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
- Earn 1 point for every $2 spent on eligible purchases.
- You can redeem points for gift cards at popular retailers, e-certificates, catalog merchandise, air travel, hotels, and eligible State Farm products.
- Many student discounts provided by Visa.
Geeky Insight:
- Works with Apple Pay.
- Online and mobile access anytime.
- Account Fraud Monitoring.
- Auto Rental Collision Damage Waiver.
- Zero Fraud Liability.
(4.1)
Fit Mastercard® Credit Card
Fit Mastercard® Credit Card
(4.1)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
29.99% - 29.99% (Variable Rate)
Geeky Insight:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
(4.7)
First Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card
(4.7)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
9.99% - 9.99% (Variable Rate)
Geeky Insight:
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
(4.2)
First Progress Platinum Select Mastercard® Secured Credit Card
First Progress Platinum Select Mastercard® Secured Credit Card
(4.2)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
13.99% - 13.99% (Variable Rate)
Geeky Insight:
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
(4.9)
Deserve® EDU Mastercard for Students
BEST FOR: International students + no foreign transaction fees
Deserve® EDU Mastercard for Students
(4.9)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
18.74% - 18.74% (Variable Rate)
Reward Details:
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
Geeky Insight:
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
(4.2)
Patelco Credit Union Progress Student Rewards Mastercard® Credit Card
Patelco Credit Union Progress Student Rewards Mastercard® Credit Card
(4.2)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: $0 - Regular APR:
9.65% - 13.65% (Variable Rate)
Reward Details:
- Receive 2 points for every $1 on all school and grocery purchases, and 1 point for every $1 on all other purchases
- Redeem points for cash, merchandise, and even travel. Points never expire
Geeky Insight:
- Secured with Zero Liability Protection and Mastercard ID Theft Protection™
- Mastercard Global Service™
- Free Online Banking and Mobile App for iOS and Android
(4.3)
First Progress Platinum Elite Mastercard® Secured Credit Card
First Progress Platinum Elite Mastercard® Secured Credit Card
(4.3)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
19.99% - 19.99% (Variable Rate)
Geeky Insight:
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
(4)
Reflex Mastercard® Credit Card
Reflex Mastercard® Credit Card
(4)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
25.9% - 29.99% (Variable Rate)
Geeky Insight:
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- $0 fraud liability for unauthorized charges
- $0 monthly fee for the first 12 months. $10.00 per month starting the second year, waived for those with a $750 credit limit
