The presence of a credit history and its quality determine the financial capabilities of a person in the USA. You can’t buy anything expensive on credit for favorable conditions. You may have difficulties in different situations in which you need a credit rating and credit history.
Despite this state of affairs 10% of Americans have no credit history at all. Zero credit is when young people start their adult lives in college or after graduation.
Where do you start building your loan if you have it zero? We have selected best offers of credit cards for no credit customers who can help you to successfully start your credit history or fix the spoiled one.
- Credit One Bank Unsecured Platinum Visa
This is an unsecured credit card that offers one of the best low annual interest rates. In addition to this obvious advantage, Credit One Bank Unsecured Platinum Visa offers a rewards program, returning 1% of your purchases as cash back.
This is a great offer for people with bad credit. You can change the settlement day for six days from the original in any direction. So you can make more convenient payment, bringing the payment day to the day of your salary.
- Indigo Platinum Mastercard
The Mastercard Indigo Platinum card will also be an excellent offer for people with bad credit, who also went through a bankruptcy procedure. This is a rare credit card option that can approve your credit limit even after your bankruptcy.
Of course, the Indigo Platinum Mastercard issuer has certain requirements for borrowers, which you can find out on their website. You will be able to recover your credit until you exceed the balance.
- Milestone Gold Mastercard
Mastercard’s Milestone Gold credit card only conducts a superficial examination of your credit when it qualifies you. The pre-qualification will show your solvency to determine the level of the annual fee, which may be $ 35.
Milestone Gold Mastercard is a good option to start recovering a loan for bankruptcy survivors. The absence of a strict credit check does not harm the credit rating, and if you make monthly payments in a timely manner, you will noticeably increase your credit rating in a few months.
- The Secured Visa from Merrick Bank
This credit card can provide a credit limit of up to $ 3,000 if you make a large purchase. Merrick Bank regularly checks your The Secured Visa credit card after the first year of use for an increase in credit limit. If the company decides that it is possible to increase the credit limit for you, then you do not even have to rise the deposit to secure the loan.
Do not miss the required monthly payments and after a year you will see your credit in good condition. Then you can count on the best deals with large rewards.
- Total VISA Unsecured Credit Card
This way a credit card can help you acquire good financial habits, not allowing you to spend more than $ 300 a month. You simply can’t spend more than you can afford and do not increase your debt.
Total VISA Unsecured Credit Card has a fairly significant annual fee, but each dollar is worth it. You can rebuild your credit again with it and get new financial opportunities.
- Capital One Secured Mastercard
The Capital One Secured card will give you a $ 200 credit line with a deposit of just $ 49. It also represents a worthy option for restoring a damaged credit or starting a credit history, for example, for students.
A timely monthly repayment of the debt will raise your credit score and you can expect to increase the credit limit and better conditions in the near future.
- USAA Secured Card American Express Card
This is a special card that provides a low interest rate for US military personnel. You will need to make a small deposit to open a credit line to you, which can reach $ 5,000 over time.
The USAA Secured Card American Express Card still has an annual payment, but rather low. It can provide the military with a loan at an annual interest rate of only 4%. It’s worth it, especially for beginners to build the credit.
- First Progress Platinum Elite Secure MasterCard Credit Card
You can claim a credit limit of up to $ 2,000 with First Progress Platinum Elite. Quick registration of the card through the tax return check makes it an extremely convenient option for a novice with no credit history.
Start shopping with First Progress Platinum Elite, make monthly payments on time and each of your actions with the card will be sent to the credit bureaus. If these actions are correct, then your credit rating will grow very soon.
- Discover it Secured Card
Take a card and start using it, even if you have zero credit or a bad credit history. You will receive 2% cashback from the amount spent at gas stations and catering establishments. For other purchases, the company will reward you with a 1% cashback.
Improve your credit quickly and pleasantly, through cashback and daily use. Interest rates and other fees do not exceed the average among other credit cards, so this offer is one of the best.
- AmaZing Launch Credit Card
And finally – do you want to start your credit history from scratch with a credit card with a 0% annual interest rate? From the very start AmaZing Launch credit card is just such an interest rate, then rising to an average of 12%, but not higher than 18%. She also offers many other rewards to its users.
You will build your credit while receiving all sorts of bonuses. Just remember about the monthly payments and redeem them in a timely manner and you will get all the benefits of AmaZing Launch credit cards.
As you can see, there are enough decent credit card offers for those with a broken or zero credit. You can choose the most suitable for yourself and start building your credit now. By following simple rules and making monthly payments in a timely manner, you will increase your credit rating month after month. Such special financial products for people with no credit are specially designed to help them get new financial opportunities.
Use the form on our website to apply for a loan and get the best offers from lenders. Read our financial blog and write to us if you have any questions.