U R @: Education Center : Understanding the Fine Print : No Credit Credit Cards

NO CREDIT CREDIT CARDS

Only a few months ago, there were a number of credit card options for people with no credit and or short credit histories.  However, many credit card companies have stopped offering these credit cards and increased the requirements for people to get approved for credit cards.

When applying for a "no credit" credit card, there are few important things to consider.  First, be sure you have no credit.  For example, if you have had a student loan, car loan, or any other type of credit account, you will have a credit history.  In fact, you might even have a decent credit score.  If you fall into this category, you may want to take advantage of a free credit report service and check your credit.  You might be pleasantly surprised.  (You can get a free credit score here.  The link opens in a new window.)

If you truly do have no credit and want to establish a credit history, we recommend the card below, as it charges no and or low fees relative to other credit cards for people with no credit.

ORCHARD BANK CLASSIC MASTERCARDS

An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly! Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment On-call customer service representatives to assist you with questions or concerns

Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed N/A* N/A* 7.90% - 28.90% * See Terms* * Bad

AMERICAN DREAMCARD™ MASTERCARD®

Over $1.2 Million Awarded to Date! Large monthly cash jackpots Earn entries from everyday shopping Get 1,000 entries just for applying! A New Winner Every Month! Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™ See terms and conditions for important rate, fee, and other cost information, and limitations

Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed N/A* * for * 14.99% or 21.99% Variable * $0- $59* * Average

You can also view additional "no credit" credit cards here.

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