Limited Credit History

These credit cards are designed for consumers who have no credit history, but not necessarily bad credit. You may be a young adult, a recent immigrant, or just new to the credit card world. Your best bet for a first credit card is probably an easy credit card. But if you already have a decent credit history, try looking for a no annual fee credit card to earn rewards and build up your score even further. Not sure? Check your credit score. Don't worry if it seems hard to build credit initially. It may be an arduous process, but in the long run, you'll save money and hassle.

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Credit Card Annual Fee *Rewards Rate Sign Up Bonus Interest Rates
Capital+One Cash+Rewards+for+Newcomers Credit Card

Capital One® Cash Rewards for Newcomers


Show Details
$0 1.00% None
Ongoing
24.9%(V) Variable

Intro
None

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I.+H.+Mississippi+Valley+Credit+Union Smart Credit Card

I. H. Mississippi Valley Credit Union Smart


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$0 0.00% None
Ongoing
19.90%
Intro
None

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Credit+Union+1 NextGen Credit Card

Credit Union 1 NextGen


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$0 0.00% None
Ongoing
16.50%
Intro
None

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University+Federal+Credit+Union Travel+Rewards Credit Card

University Federal Credit Union Travel Rewards


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$39 1.00% None
Ongoing
13.90%-17.90%
Intro
None

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Unitus+Community+Credit+Union Classic+Rewards Credit Card

Unitus Community Credit Union Classic Rewards


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$0 1.00% None
Ongoing
9.99%-17.49% Variable

Intro
None

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Spectrum+Federal+Credit+Union CreditBuilder Credit Card

Spectrum Federal Credit Union CreditBuilder


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$0 0.00% None
Ongoing
15.90%
Intro
None

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First+Community+Credit+Union Classic+Basic Credit Card

First Community Credit Union Classic Basic


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$10 0.00% None
Ongoing
18.00%
Intro
None

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TUCOEMAS+Federal+Credit+Union Platinum Credit Card

TUCOEMAS Federal Credit Union Platinum


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$0 0.50% for first $3,000 /yr then 1.00% None
Ongoing
9.90%
Intro
None

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University+Federal+Credit+Union Cash+Back Credit Card

University Federal Credit Union Cash Back


Show Details
$0 0.50% for first $3,000 /yr then 1.00% None
Ongoing
13.90%-17.90%
Intro
None

Apply Now
Jeanne+D%27Arc+Credit+Union Platinum+with+CashBack+Rewards Credit Card

Jeanne D'Arc Credit Union Platinum with CashBack Rewards


Show Details
$0 1.00% None
Ongoing
7.99%-15.99% Variable

Intro
3.99% for 6 mos on purchases & transfers

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* These values are NerdWallet's estimates and do not represent content provided by or commissioned by credit card providers.
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