US National Credit Cards

Limited to No Credit Offers

Having limited or no credit makes getting approved for a credit card difficult. The offers below can be a good starting point to help you build a credit history for better offers.

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8 Offers -

Petal® Visa® Credit Card

Rewards: Cash Back
Good, Fair, Limited or No Credit
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Variable APRs 12.99% to 29.49%.
  • 1% cash back on eligible purchases right away
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • $500 - $10,000 credit limits
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 12.99% to 29.49% Variable $0 Be the First
Applied Bank® Unsecured Classic Visa® Card

Rewards: None
For Fair, Bad, Limited Credit
  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All Three Major Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
  • 24/7 Online Account Access and Payment Options
  • E-mail Payment reminders help you keep your account in good standing

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
See website for Details* See website for Details* None See website for Details* See website for Details* Be the First
Merrick Bank Secured Visa® from Merrick Bank

Rewards: None
For Bad, Limited or No Credit
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 17.45% Variable $36 for first year. Billed $3 per month thereafter Be the First
First Progress Platinum Prestige MasterCard® Secured Credit Card

Rewards: None
For Bad, Limited or No Credit
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 9.99% (V)* $49 Be the First
Jasper Mastercard®

Rewards: None
Good, Fair, Limited or No Credit
  • Up to a $5k credit limit
  • All the benefits of a premium Mastercard®
  • High credit limits, low interest rates
  • No annual fee*, no security deposit
  • No credit history required to apply if you don’t already have one. If you are a US citizen, a US permanent resident, or have been living in the US for over one year at the time of application, Jasper will run a hard credit inquiry with the credit bureaus.
  • An intuitive experience that includes personalized, real-time
  • financial advice, and innovative auto payment options
  • Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
  • Issued by WebBank, Member FDIC
  • Review the Jasper fee schedule: Jasper Mastercard®

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 15.49% (Variable) $0* Be the First
OpenSky® Secured Visa® Credit Card

Rewards: None
For Bad, Limited or No Credit
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 17.39% (V)* $35 Be the First
Reflex Mastercard®

Rewards: None
For Fair, Bad, Limited Credit
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 25.90% - 29.99% See Terms Be the First
Deserve Edu

Rewards: Cash Back
For Good, Limited or No Credit
  • Enjoy Amazon Student Prime Membership on us for a year, must be a student to qualify.
  • Earn 1% cash back on all purchases automatically.
  • No Social Security Number required for International Students and no credit history required.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. Lemonade Insurance Rebate - Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app.
  • Start building credit responsibly and enjoy the perks of being a student
  • No Deposit Required.
  • See Rates & Fees

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 18.74% Variable $0 Be the First


†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 issuers website.

 Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which USNationalCreditCards.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). USNationalCreditCards.com does not include all credit card companies or all available credit card offers.

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities