Geeky Insights:

Best Credit Cards for No Credit - April 2020

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?

  • No Annual Fee
  • Lowest Transfer Intro APR
  • Lowest Interest Rate
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Showing 1-10 of 16 Credit Cards

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

Overall Rating:
(4.9/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 6 months | Transfer Fee: N/A
  • Regular APR: 17.39% - 17.39% (Variable Rate)
Compare Card Apply Now on Capital Bank's website
Overall Rating
(4.9)
Credit Range
Limited History - Bad
Annual Fee
$35
Purcahse Intro APR
N/A
Regular APR
17.39% - 17.39%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • LIMITED TIME OFFER: 0% introductory APR on all purchases for the first six months
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card.  Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card
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Green Dot primor® Visa® Gold Secured Credit Card

Green Dot primor® Visa® Gold Secured Credit Card

Overall Rating:
(4.8/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 9.99% - 9.99% (Variable Rate)
Compare Card Apply Now on Green Dot's website
Overall Rating
(4.8)
Credit Range
Fair - Limited History - Bad
Annual Fee
$49
Purcahse Intro APR
N/A
Regular APR
9.99% - 9.99%
Rewards Rate
None
Rewards Bonus
None
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
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State Farm Bank Student Visa® Credit Card

State Farm Bank Student Visa® Credit Card

Overall Rating:
(4.0/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: 3% (min $10)
  • Regular APR: 15.24% - 23.24% (Variable Rate)
Compare Card Apply Now on State Farm Bank's website
Overall Rating
(4.0)
Credit Range
Fair - Limited History
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.24% - 23.24%
Rewards Rate
0.5 points / $1
Rewards Bonus
None
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.
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Fit Mastercard® Credit Card

Fit Mastercard® Credit Card

Overall Rating:
(4.1/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 29.99% - 29.99% (Variable Rate)
Compare Card Apply Now on The Bank of Missouri's website
Overall Rating
(4.1)
Credit Range
Fair - Limited History - Bad
Annual Fee
$99
Purcahse Intro APR
N/A
Regular APR
29.99% - 29.99%
Rewards Rate
None
Rewards Bonus
None
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
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First Progress Platinum Prestige Mastercard® Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card

Overall Rating:
(4.7/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 9.99% - 9.99% (Variable Rate)
Compare Card Apply Now on First Progress's website
Overall Rating
(4.7)
Credit Range
Fair - Limited History - Bad
Annual Fee
$49
Purcahse Intro APR
N/A
Regular APR
9.99% - 9.99%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • 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
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First Progress Platinum Select Mastercard® Secured Credit Card

First Progress Platinum Select Mastercard® Secured Credit Card

Overall Rating:
(4.2/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 13.99% - 13.99% (Variable Rate)
Compare Card Apply Now on First Progress's website
Overall Rating
(4.2)
Credit Range
Fair - Limited History - Bad
Annual Fee
$39
Purcahse Intro APR
N/A
Regular APR
13.99% - 13.99%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • 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
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Deserve® EDU Mastercard for Students

Deserve® EDU Mastercard for Students

Overall Rating:
(4.9/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 18.74% - 18.74% (Variable Rate)
Compare Card Apply Now on Deserve's website
Overall Rating
(4.9)
Credit Range
Limited History
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
18.74% - 18.74%
Rewards Rate
1% Cash Back
Rewards Bonus
None
Reward Details:
  • Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (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®.
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Patelco Credit Union Progress Student Rewards Mastercard® Credit Card

Patelco Credit Union Progress Student Rewards Mastercard® Credit Card

Overall Rating:
(4.2/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: $0
  • Regular APR: 9.65% - 13.65% (Variable Rate)
Compare Card Apply Now on Patelco Credit Union's website
Overall Rating
(4.2)
Credit Range
Fair - Limited History
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
9.65% - 13.65%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
None
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™
  • Purchase Benefits: Price Protection and Extended Warranty Coverage
  • Mastercard Global Service™
  • Free Online Banking and Mobile App for iOS and Android
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First Progress Platinum Elite Mastercard® Secured Credit Card

First Progress Platinum Elite Mastercard® Secured Credit Card

Overall Rating:
(4.3/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 19.99% - 19.99% (Variable Rate)
Compare Card Apply Now on First Progress's website
Overall Rating
(4.3)
Credit Range
Fair - Limited History - Bad
Annual Fee
$29
Purcahse Intro APR
N/A
Regular APR
19.99% - 19.99%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • 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
+ SHOW MORE DETAILS

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card

Overall Rating:
(4.0/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: N/A
  • Regular APR: 25.9% - 29.99% (Variable Rate)
Compare Card Apply Now on Celtic Bank's website
Overall Rating
(4.0)
Credit Range
Fair - Limited History - Bad
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
25.9% - 29.99%
Rewards Rate
None
Rewards Bonus
None
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
+ SHOW MORE DETAILS