Credit Cards for No Credit History Credit Score

If you have no credit history and are looking to build credit, there may be Visa Credit cards that can help you.

Card information is provided by third parties. We have not vetted the products for accuracy, completeness or for suitability with respect to your specific needs. Visa may receive compensation from third parties in connection with the offers that appear on this website, and this may impact how and where offers appear on this site. Please be sure to carefully review all card offer Details, as well as the terms and conditions before completing the application process. This site does not include all financial companies or all financial offers that may be available to you.

7 cards

Chase Freedom Rise® Visa credit card

Chase Freedom Rise®

Apply now
Recommended credit rating
Excellent, Good, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
25.24%
Annual fee
$0

Benefits section

  • Chase Freedom Rise® Rates and Fees
  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
  • Member FDIC

Chase Freedom Rise®

Chase Freedom Rise® Visa credit card
Recommended credit rating
Excellent, Good, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
25.24%
Annual fee
$0

Benefits section

  • Chase Freedom Rise® Rates and Fees
  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
  • Member FDIC
Chase Freedom Rise® Visa credit card
Apply now opens in a new tab
Ramp Business Visa credit card

Ramp Business Card

Apply now
Recommended credit rating
No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
N/A
Annual fee
No Annual Fee

Benefits section

  • Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
  • Real-time visibility into business spending to help guide strategic business decisions
  • Seamless accounting and ERP integrations including NetSuite, Xero, QuickBooks, and more
  • Control wasteful spending before it happens with built-in vendor and category restrictions
  • Ramp is the world's first finance automation platform designed to save businesses time and money
  • 5-in-1 platform combining corporate cards, expense management, bill payments, accounting integrations, and real-time reporting into one free solution
  • Up to 1.5% cashback on every purchase, with no limits or restrictions
  • Custom-branded physical cards
  • Virtual cards with support for Apple and Google Pay
  • First and only credit card with capabilities to control spend at the merchant, category, spend, and frequency level
  • No annual fees, interest rates, or foreign transaction fees
  • Ramp helps businesses save 5% on average
  • Zero liability & fraud protection

Ramp Business Card

Ramp Business Visa credit card
Recommended credit rating
No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
N/A
Annual fee
No Annual Fee

Benefits section

  • Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
  • Real-time visibility into business spending to help guide strategic business decisions
  • Seamless accounting and ERP integrations including NetSuite, Xero, QuickBooks, and more
  • Control wasteful spending before it happens with built-in vendor and category restrictions
  • Ramp is the world's first finance automation platform designed to save businesses time and money
  • 5-in-1 platform combining corporate cards, expense management, bill payments, accounting integrations, and real-time reporting into one free solution
  • Up to 1.5% cashback on every purchase, with no limits or restrictions
  • Custom-branded physical cards
  • Virtual cards with support for Apple and Google Pay
  • First and only credit card with capabilities to control spend at the merchant, category, spend, and frequency level
  • No annual fees, interest rates, or foreign transaction fees
  • Ramp helps businesses save 5% on average
  • Zero liability & fraud protection
Ramp Business Visa credit card
Apply now opens in a new tab
Varo Believe Secured Visa credit card¹

Varo Believe Secured Credit Card¹

Apply now
Recommended credit rating
No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
0.00% APR
Annual fee
No annual fee

Benefits section

  • Build your credit as you spend
  • No annual fees or interest and No minimum security deposit
  • No credit check to apply
  • Set your own spending limit
  • More than 90% of customers with no credit score had one after using the Varo Believe secured credit card for just one month²
  • Varo Believe Card customers, on average, see a 40+ point increase in their credit score after 3 months of on-time payments
  • Reports to all 3 major credit bureaus
  • Open a Varo Bank Account to start qualifying
  • 1The Varo Visa® Believe Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.
  • 2As of September 2, 2025. Data based on comparison between VantageScore® 3.0 score from the initial pull after Believe card activation and the VantageScore® 3.0 score pulled after one month of reporting Believe Card activity. Individual results may vary.
  • 3Member FDIC

Varo Believe Secured Credit Card¹

Varo Believe Secured Visa credit card¹
Recommended credit rating
No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
0.00% APR
Annual fee
No annual fee

Benefits section

  • Build your credit as you spend
  • No annual fees or interest and No minimum security deposit
  • No credit check to apply
  • Set your own spending limit
  • More than 90% of customers with no credit score had one after using the Varo Believe secured credit card for just one month²
  • Varo Believe Card customers, on average, see a 40+ point increase in their credit score after 3 months of on-time payments
  • Reports to all 3 major credit bureaus
  • Open a Varo Bank Account to start qualifying
  • 1The Varo Visa® Believe Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.
  • 2As of September 2, 2025. Data based on comparison between VantageScore® 3.0 score from the initial pull after Believe card activation and the VantageScore® 3.0 score pulled after one month of reporting Believe Card activity. Individual results may vary.
  • 3Member FDIC
Varo Believe Secured Visa credit card¹
Apply now opens in a new tab
The secured Chime Visa® Credit Card

The secured Chime Visa® Credit Card

Apply now
Recommended credit rating
No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
N/A
Annual fee
None

Benefits section

  • A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.
  • Credit building, stress-free.¹
  • Earn 2% cash back² on category of choice with Chime Plus status.³
  • SpotMe® on Credit.⁴
  • No interest⁵, no credit check.
  • Over 47,000 fee-free ATMs.⁶
  • Fee-free in-network cash deposits.⁷
  • ¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
  • ²With a qualifying direct deposit, earn 2% cash back on eligible secured Chime Visa® Credit Card purchases.
  • ³To be eligible for Chime Plus™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime Plus benefits have additional eligibility requirements. While some Chime Plus benefits may have associated fees, none of these fees are mandatory to access Chime Plus benefits or to maintain Chime Plus status. See Chime Plus Terms and Conditions for details. Chime Plus is a Trademark of Chime Financial, Inc.
  • ⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.
  • ⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.
  • ⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
  • ⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
  • The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

The secured Chime Visa® Credit Card

The secured Chime Visa® Credit Card
Recommended credit rating
No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
N/A
Annual fee
None

Benefits section

  • A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.
  • Credit building, stress-free.¹
  • Earn 2% cash back² on category of choice with Chime Plus status.³
  • SpotMe® on Credit.⁴
  • No interest⁵, no credit check.
  • Over 47,000 fee-free ATMs.⁶
  • Fee-free in-network cash deposits.⁷
  • ¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
  • ²With a qualifying direct deposit, earn 2% cash back on eligible secured Chime Visa® Credit Card purchases.
  • ³To be eligible for Chime Plus™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime Plus benefits have additional eligibility requirements. While some Chime Plus benefits may have associated fees, none of these fees are mandatory to access Chime Plus benefits or to maintain Chime Plus status. See Chime Plus Terms and Conditions for details. Chime Plus is a Trademark of Chime Financial, Inc.
  • ⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.
  • ⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.
  • ⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
  • ⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
  • The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
The secured Chime Visa® Credit Card
Apply now opens in a new tab
opensky® Launch Secured Visa® Credit Card

opensky® Launch Secured Visa® Credit Card

Apply now
Recommended credit rating
Fair, Bad Credit / Rebuilding, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
28.24% (variable)
Annual fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.

Benefits section

  • opensky® Launch Secured Visa® Credit Card Rates and Fees
  • Start building credit with just $150 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!

opensky® Launch Secured Visa® Credit Card

opensky® Launch Secured Visa® Credit Card
Recommended credit rating
Fair, Bad Credit / Rebuilding, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
28.24% (variable)
Annual fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.

Benefits section

  • opensky® Launch Secured Visa® Credit Card Rates and Fees
  • Start building credit with just $150 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
opensky® Launch Secured Visa® Credit Card
Apply now opens in a new tab
opensky® Secured Visa® Credit Card

opensky® Secured Visa® Credit Card

Apply now
Recommended credit rating
N/A, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
23.89% (variable)
Annual fee
$35

Benefits section

  • opensky® Secured Visa® Credit Card Rates and Fees
  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!

opensky® Secured Visa® Credit Card

opensky® Secured Visa® Credit Card
Recommended credit rating
N/A, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
23.89% (variable)
Annual fee
$35

Benefits section

  • opensky® Secured Visa® Credit Card Rates and Fees
  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
opensky® Secured Visa® Credit Card
Apply now opens in a new tab
opensky® Plus Secured Visa® Credit Card

opensky® Plus Secured Visa® Credit Card

Apply now
Recommended credit rating
Fair, Bad Credit / Rebuilding, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
28.24% (variable)
Annual fee
$0

Benefits section

  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!

opensky® Plus Secured Visa® Credit Card

opensky® Plus Secured Visa® Credit Card
Recommended credit rating
Fair, Bad Credit / Rebuilding, No Credit History
Intro purchase APR
N/A
Intro balance transfer APR
N/A
Regular APR
28.24% (variable)
Annual fee
$0

Benefits section

  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
opensky® Plus Secured Visa® Credit Card
Apply now opens in a new tab

Not sure if a credit card is right for you?

A Visa prepaid card could be the way to go. Its a more secure, convenient solution to everyday spending.

Explore prepaid cards
Sample Visa Gift Card

Advertiser Disclosure

Card information is provided by third parties. We have not vetted the products for accuracy, completeness or for suitability with respect to your specific needs. Visa may receive compensation from third parties in connection with the offers that appear on this website, and this may impact how and where offers appear on this site. Please be sure to carefully review all card offer Details, as well as the terms and conditions before completing the application process. This site does not include all financial companies or all financial offers that may be available to you.