Building Credit - First Credit Cards
Learn how to build credit. Improve your credit score by applying for one of our starter credit cards.
Even if you have no credit credit cards are still available to you. With no credit history you can apply for a secured credit card. You will be able to enjoy all the advantages of using a credit card but avoid the danger of falling into debt. Review our list of offers below and sign up for a credit card that will help you establish credit.
Best Expert Opinions
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Zero APR Purchases & No BT Fee
Capital One®
Platinum - Visa $crd_pid=3958; ?>
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Average Credit?Get No Annual
Fee & Exclusive Savings! Capital One®
Standard Platinum $crd_pid=3022; ?>
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Recommended by our site Experts for Bad Credit
Capital One®
Classic Platinum $crd_pid=3581; ?>
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Topic: Credit Rating Matters
The choice of the right card will mostly depend on your card habits, i.e. whether you tend to carry a balance or pay it in full every month. If you are a "transactor", a user who pays off the balance in full each month, you may consider Capital One Standard Platinum. The point is that this card comes with no annual fee but its APR is pretty high. Being a transactor, you can avoid hefty interest payments, and thus make the most of this card. In addition it's worth saying that this Capital One card requires limited credit history, so the chances are you'll be approved.
If you are a "revolver", the one who carries the balance from month to month, you'd better select the card with low or moderate interest rates. Platinum and Platinum - Visa by Capital One can be a good choice. These cards come with a 0% promo APR on purchases, plus low ongoing interest rates on purchases and balance transfers and the annual fee is quite fair.
Check through these plastic money offers, compare their features, and make your choice.
Yes, such credit deals do exist. However, when applying for an unsecured card, a card that requires no banking account, you should realize that you are a high risk for lenders. Fortunately enough, some companies offer specially designed credit products for customers with limited credit history and you have all the chances to qualify for these cards.
Platinum – Visa by Capital One is one of the top-rated plastics for limited credit history. It has a really low APR, 0% promo rates on purchases and a fair annual fee.
Another Capital One card that can suit your needs is Capital One Classic Platinum. It comes with a moderate APR and zero interest rates, plus a low annual fee.
If you plan to pay off your balance in full every month, Capital One Standard Platinum will be the right pick for you. This card has no annual fee, plus comes with a 0% intro APR on purchases.
These cards require no banking account, and what's more importantly, they're issued for people who just like you want to establish good credit.




