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.
| Credit Card | Annual Fee | *Rewards Rate | Sign Up Bonus | Interest Rates |
 Capital One® Cash Rewards for Newcomers |
$0 | 1.00% | None | Ongoing 24.9%(V) Variable Intro None Apply Now |
 I. H. Mississippi Valley Credit Union Smart |
$0 | 0.00% | None | Ongoing 19.90% Intro None Apply Now |
 Credit Union 1 NextGen |
$0 | 0.00% | None | Ongoing 16.50% Intro None Apply Now |
 University Federal Credit Union Travel Rewards |
$39 | 1.00% | None | Ongoing 13.90%-17.90% Intro None Apply Now |
 Unitus Community Credit Union Classic Rewards |
$0 | 1.00% | None | Ongoing 9.99%-17.49% Variable Intro None Apply Now |
 Spectrum Federal Credit Union CreditBuilder |
$0 | 0.00% | None | Ongoing 15.90% Intro None Apply Now |
 First Community Credit Union Classic Basic |
$10 | 0.00% | None | Ongoing 18.00% Intro None Apply Now |
 TUCOEMAS Federal Credit Union Platinum |
$0 | 0.50% for first $3,000 /yr then 1.00% | None | Ongoing 9.90% Intro None Apply Now |
 University Federal Credit Union Cash Back |
$0 | 0.50% for first $3,000 /yr then 1.00% | None | Ongoing 13.90%-17.90% Intro None Apply Now |
 Jeanne D'Arc Credit Union Platinum with CashBack Rewards |
$0 | 1.00% | None | Ongoing 7.99%-15.99% Variable Intro 3.99% for 6 mos on purchases & transfers Apply Now |
*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process. Please note that NerdWallet has financial relationships with some of the merchants mentioned here. NerdWallet may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.
