{"id":22591,"date":"2025-12-12T19:39:46","date_gmt":"2025-12-12T19:39:46","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22591"},"modified":"2025-12-12T19:39:48","modified_gmt":"2025-12-12T19:39:48","slug":"how-to-choose-a-credit-card-for-no-credit-history","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22591","title":{"rendered":"How To Choose A Credit Card For No Credit History"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Cavan Images\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_eaa64053b47ff6a780f70a12fa476c7c\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            It can be intimidating to start building credit without a credit history, but there are several good credit card options available.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Interest rates, annual fees, security deposits and potential rewards are all factors to consider before making a decision.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Some top options for first-time credit card users include the <span data-capi-name=\"6743\">Discover it\u00ae Secured Credit Card<\/span> and <span data-capi-name=\"221010773\">Capital One Platinum Credit Card<\/span>.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Being new to credit is often seen as a struggle that only fresh college graduates face, but that is simply not the case. Everyone is new to credit at some point in their life. If you fall into this category, being approved for your first credit card may seem like an uphill battle.<\/p>\n<p>Many people who apply for their first credit card can find themselves in a tricky loop where they are denied a specific card due to a lack of credit history, but they can only build that history if they are actually approved for a card in the first place.<\/p>\n<p>If you are unsure about which credit card you should apply for to start, or your credit card application has been denied and you feel lost, know that you have options available.<\/p>\n<h2 id=\"what\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to consider before choosing your first credit card\" data-outcome=\"\">What to consider before choosing your first credit card<\/h2>\n<p>Many entry-level cards will require a security deposit or may have additional restrictions that traditional rewards cards aren\u2019t subject to. Before applying for your first credit card, here are a few important factors to consider.<\/p>\n<h3>Interest rate<\/h3>\n<p><u>Annual percentage rate<\/u> (APR) refers to the amount of interest you will be charged on your balance that remains unpaid at the end of the month and is about 20 percent on average. Those newer to credit cards may be charged a higher APR than veteran cardholders, but if you demonstrate good credit usage over time, you will likely be eligible for a lower APR.<\/p>\n<h3>Annual fee<\/h3>\n<p>As the name suggests, an annual fee is the amount of money you pay each year to have a particular credit card. Generally speaking, the higher the fee, the bigger the perks. There are many great cards with no annual fee, or a low annual fee, which is likely your best option if you are just starting out.<\/p>\n<h3>Security deposit<\/h3>\n<p>If you have never had a credit card, you may need to apply for a <u>secured credit card<\/u> to build your credit history. Secured credit cards require a security deposit, usually a few hundred dollars or less. This deposit will act as your line of credit with the card, so, for example, if you put down $200 your credit line will also be $200.<\/p>\n<h3>Rewards<\/h3>\n<p>The aim of choosing a starter credit card is to build good credit habits, and rewards can sometimes distract from that goal. Although some credit-building cards offer rewards, it\u2019s important to be mindful of their temptation. If you think you\u2019d be better with a no-frills card that doesn\u2019t incentivize you to overspend, then maybe it\u2019s a good idea to forgo the extra perks to start.<\/p>\n<h2 id=\"best\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Best credit cards if you have no credit history\" data-outcome=\"\">Best credit cards if you have no credit history<\/h2>\n<p>Although there are several good credit card options for those with no credit history, these are our top choices based on application odds, credit line potential and credit-building features.<\/p>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The <span data-capi-name=\"6743\">Discover it\u00ae Secured Credit Card<\/span> is unique in the category of credit building or \u201cstarter\u201d credit cards \u2014 while it will require a deposit, it also offers cash back rewards. Most secured credit cards don\u2019t offer rewards, so this can be a particularly appealing offer for new cardholders.<\/p>\n<p>You can earn 2 percent back at gas stations and restaurants (up to $1,000 in combined purchases per quarter) and 1 percent back on all other purchases. Plus, Discover offers free FICO score monitoring and alerts on your Discover app, which makes managing and building your credit history less of a hassle.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>If you are looking for a credit card that can help you build your credit score without requiring a security deposit, the <span data-capi-name=\"221010773\">Capital One Platinum Credit Card<\/span> is a good option to consider.<\/p>\n<p>With no annual fee and the ability to get your credit line increased after six months of responsible usage, this card is a great way to build a credit history without having to worry about paying money out of pocket. Your initial credit line may be relatively low with this card \u2014 likely less than $500 \u2014 but you can increase this as you build your credit profile.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The <span data-capi-name=\"10932\">Chase Freedom Rise\u00ae<\/span> is the best of both worlds when it comes to not having to put down a security deposit while still earning rewards. This unsecured card offers a starting credit line of $500, but some applicants may be approved for more. The Freedom Rise also comes with no annual fee and flat-rate cash back rewards: all purchases earn 1.5% cash back.<\/p>\n<p>This is an ideal starter card for those with Chase accounts already, as they will benefit from increased approval chances. If not, you\u2019ll still benefit from top-rated Chase perks with this card, such as complimentary credit score access and DashPass (ends Dec. 31, 2027).<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"compare\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Comparison of the best credit cards if you have no credit history\" data-outcome=\"\">Comparison of the best credit cards if you have no credit history<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd Table--spacing1 align-middle is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th><strong> Card<\/strong><\/th>\n<th><strong>APR<\/strong><\/th>\n<th><strong>Security deposit<\/strong><\/th>\n<th><strong>Annual fee<\/strong><\/th>\n<th><strong>Rewards rate<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-capi-name=\"6743\">Discover it\u00ae Secured Credit Card<\/span><\/td>\n<td><span data-capi-apr=\"ongoing_purchases\" data-pid=\"6743\">26.74% Variable APR<\/span><\/td>\n<td>Minimum of $200, maximum of $2,500<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"6743\">$0<\/span><\/td>\n<td>\n<ul>\n<li>2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter)<\/li>\n<li>1% cash back on other purchases<\/li>\n<li>Matches all your cash back in the first year<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"221010773\">Capital One Platinum Credit Card<\/span><\/td>\n<td>\n<span data-capi-apr=\"ongoing_balance_transfer\" data-pid=\"221010773\">29.49% (Variable)<\/span> APR<\/td>\n<td>N\/A<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"221010773\">$0<\/span><\/td>\n<td>\n<ul>\n<li>No rewards, but cardholders have access to a higher credit line after six months of on-time payments<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<span data-capi-name=\"10932\">Chase Freedom Rise\u00ae<\/span>\n<\/td>\n<td>\n<span data-capi-apr=\"ongoing_purchases\" data-pid=\"10932\">25.49%<\/span> APR<\/td>\n<td>N\/A<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"10932\">$0<\/span><\/td>\n<td>\n<ul>\n<li>1.5% cash back on all purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>Picking your first credit card when you don\u2019t have a credit history can feel like a daunting task. Fear of picking the wrong card or being denied a card can lead many people to decide not to apply for credit at all, but that only adds to a vicious cycle of needing access to credit but not having a sufficient credit history to be approved.<\/p>\n<p>If you choose carefully, there are many cards available that can help you build credit without falling into debt or being burdened with high fees.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"beOGffaDyY\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 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href=\"https:\/\/www.bankrate.com\/credit-cards\/building-credit\/how-to-choose-a-card-for-no-credit-history\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cavan Images\/Getty Images Key takeaways It can be intimidating to start building credit without a credit history, but there are several good credit card options available. Interest rates, annual fees, security deposits and potential rewards are all factors to consider before making a decision. Some top options for first-time credit card users include the Discover<\/p>\n","protected":false},"author":1,"featured_media":22592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22591","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Choose A Credit Card For No Credit History | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Cavan Images\/Getty Images Key takeaways It can be intimidating to start building credit without a credit history, but there are several good credit card\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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