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Tuesday, November 10, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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Credit cards for no credit history

These are cards an issuer offers to people with no credit file or a thin one, by the issuer’s own description or by the credit tiers it reports to the CFPB. Most are secured cards, where a refundable deposit sets the limit, and student cards.

The goal is a first account that reports to the credit bureaus. Keeping the balance low and paying on time every month is what builds the score.

39 cards. Checked on the issuers' official sites on October 16, 2026.

Avadian Visa Secured

Avadian CU · Visa

Annual fee
$0
Rewards
No rewards
APR
14.90% to 16.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

VISA® Secured

Latino Community CU · Visa

Annual fee
$0
Rewards
No rewards
APR
11.50%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Secured Visa

Maui County FCU · Visa

Annual fee
$0
Rewards
No rewards
APR
7.00% to 17.50%
Credit
Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Ollo® Everyday Rewards Mastercard®

Ollo (Merrick Bank) · Mastercard

Annual fee
Not stated
Rewards
Cashback
APR
24.99% to 29.99%
Credit
Excellent, Good, Poor, Limited
  • Cash back
  • No foreign transaction fee

Ollo® Platinum Mastercard®

Ollo (Merrick Bank) · Mastercard

Annual fee
$0
Rewards
No rewards
APR
22.99% to 29.99%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • No foreign transaction fee
See details

Secured Credit Card

Rivermark CCU · Visa

Annual fee
$0
Rewards
No rewards
APR
10.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Share-Secured Mastercard

SchoolsFirst FCU · Mastercard

Annual fee
$0
Rewards
No rewards
APR
13.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Secured VISA

Summit CU (NC) · Visa

Annual fee
$0
Rewards
No rewards
APR
8.95% to 16.95%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

How we make money

Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

What we are not

Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.