Best of

Best Unsecured Cards for Short Credit Histories of 2019

NerdWalletMay 21, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Unsecured Cards for Short Credit Histories of 2019

Our pick for

Cash-back rewards

Capital One QuicksilverOne Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$39

Regular APR

26.96% Variable APR

Intro APR

N/A

recommended credit score

The Capital One® QuicksilverOne® Cash Rewards Credit Card earns an unlimited 1.5% cash back on all purchases. When you're relatively new to credit, that kind of rewards rate is hard to find. You can also get access to a higher credit limit after making your first five monthly payments on time.

Our pick for

Boosting your credit limit

Capital One Platinum Credit Card Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

26.96% Variable APR

Intro APR

N/A

recommended credit score

For anyone who wants a no-fuss way to build their credit history and eventually increase their credit limit, the $0-annual-fee Capital One® Platinum Credit Card keeps it simple.

Our pick for

Bonus category rewards

ABOC Platinum Rewards

on Amalgamated Bank of Chicago's website

on Amalgamated Bank of Chicago's website

Annual Fee

$0

Regular APR

15.15% - 25.15% Variable APR

Intro APR

0% Intro APR for 12 months on Purchase and Balance Transfers

recommended credit score

The ABOC Platinum Rewards Card offers an impressive rewards program for cardholders with fair credit. It includes a sign-up bonus, rotating rewards categories and a $0 annual fee.

Our pick for

New immigrants

Deserve® Pro Mastercard

on Deserve's website

on Deserve's website

Annual Fee

$0

Regular APR

18.49% - 25.49% Variable

Intro APR

N/A

recommended credit score

It's not easy to establish credit as an immigrant in the U.S., even if you had a good credit history in your home country. The Deserve® Pro Mastercard uses an underwriting process that also takes employment and income into consideration.

Our pick for

Minimizing impact on credit score

AvantCard Credit Card

on Avant's website

on Avant's website

Annual Fee

$29

Regular APR

26.24% Variable

Intro APR

N/A

recommended credit score

The AvantCard Credit Card is an option for applicants with a thin credit file who don't want to risk hurting their credit scores by applying for multiple cards in search of approval. That's because you first complete a pre-qualification process that doesn't need a hard credit pull. That will give you an idea of your likelihood of being accepted for the card, and the terms you'd be eligible for, without the ding to your credit. If you'd like to proceed from there, you can complete the application process with a hard credit pull.

Last updated on May 21, 2019

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.