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How to Get a Credit Card with No Credit History and No Cosigner
By Jack Barnes
Starting your credit journey can feel like trying to crack a secret code, especially if you have no credit history and no one to cosign for you. But don’t worry—building credit from scratch is entirely possible, and I’m here to walk you through it.
In this article, I’ll cover exactly how to get a credit card with no credit history and no cosigner, the best credit cards tailored for newcomers, and tips to boost your credit score safely and effectively. Ready? Let’s dive in!
Why Getting a Credit Card Without Credit History or a Cosigner Is Challenging
Credit card issuers rely heavily on your credit history to determine your creditworthiness. Without a track record, they can’t easily assess risk, so many cards require a cosigner or an existing credit history. But luckily, the financial industry offers options designed specifically for people just starting out.
Having no credit history means you have to prove reliability in other ways, and that’s exactly what some cards and banks are willing to consider.
3 Main Types of Credit Cards for People with No Credit History and No Cosigner
Here’s a quick overview of the primary options you have:
1. Secured Credit Cards
These require a refundable security deposit that usually becomes your credit limit. Think of it as a safety net for the bank — they hold your money in case you don’t pay your bill. Secured cards are generally easier to qualify for without credit history.
2. Student Credit Cards
Targeted at college students, these cards often have more lenient approval criteria and sometimes no annual fee. If you’re in school, you can leverage your student status to get started.
3. Starter or “No Credit Needed” Credit Cards
These cards specifically cater to applicants with no credit history and don’t require a cosigner or deposit, though they might come with higher interest rates or lower credit limits.
Top Credit Cards for Applicants Without Credit or Cosigners
I’ve researched and gathered some of the best credit cards that fit this category. Here’s a simple comparison to get you started:
| Credit Card | Type | Security Deposit | Annual Fee | Key Features | Affiliate Link |
|---|---|---|---|---|---|
| Discover it® Secured | Secured | $200 minimum | $0 | Cashback rewards, no annual fee, automatic reviews for upgrade | Apply Now |
| Capital One Platinum Credit Card | Unsecured Starter Card | None | $0 | No security deposit, designed for building credit, access to higher credit line after 6 months | Apply Now |
| Petal® 2 “Cash Back, No Fees” Visa® Credit Card | Unsecured Starter Card | None | $0 | Cashback rewards, no fees, uses alternative data for approval | Apply Now |
| Deserve® EDU Mastercard for Students | Student Card | None | $0 | Designed for international students, no SSN required, cash back rewards | Apply Now |
Step-by-Step Guide: How to Apply for a Credit Card with No Credit History and No Cosigner
- Check Your Eligibility & Requirements. Make sure you meet the age (usually 18+) and income requirements. Some cards require proof of income or student status.
- Choose the Right Card. Use the table above as a guide. Consider whether you want a secured card or an unsecured starter card.
- Gather Necessary Documents. This might include ID, proof of income, bank statements, or school enrollment verification.
- Apply Online or In-Person. Applying online is fastest, and you often get instant decisions.
- Use Responsibly & Build Credit. Once approved, keep your balance low and pay your bill on time every month.
5 Expert Tips to Build Credit Quickly and Safely
- Keep Your Credit Utilization Low. Aim to use less than 30% of your credit limit. This shows lenders you’re responsible with borrowing.
- Pay On Time, Every Time. Your payment history is the biggest factor in your credit score[1]. Set reminders or automatic payments.
- Monitor Your Credit Report Regularly. Get free reports annually from AnnualCreditReport.com to check for errors or signs of fraud.
- Avoid Opening Too Many Accounts at Once. Too many applications can hurt your score temporarily[2]. Be selective.
- Consider Credit-Builder Loans or Alternative Data Cards. Some cards like Petal® use banking history (income, spending) to approve applicants with no credit[3].
FAQs About Getting a Credit Card With No Credit History and No Cosigner
1. Can I get a credit card with no credit and no cosigner?
Absolutely. While it might be more challenging, secured credit cards and certain starter cards are designed for people exactly in your situation.
2. Are secured credit cards the only option for no credit history?
No, some unsecured starter cards and student cards accept applicants without credit history by considering other financial factors.
3. How much should I deposit for a secured credit card?
Typically $200 is the minimum deposit, but some cards allow smaller amounts depending on your financial situation.
4. Will applying for a credit card hurt my credit score?
Applying results in a hard inquiry, which might cause a small, temporary dip. But responsible use will quickly offset this.
5. How long until I can get an unsecured card after a secured card?
Many issuers review your activity after 6-12 months and may upgrade you to an unsecured card if you’ve been responsible with payments and usage.
Start Building Your Credit Today!
If you’re ready to take the first step toward financial independence, applying for a secured card or one of the recommended no-credit-needed credit cards is your best bet. I personally recommend starting with the Discover it® Secured Card for its cashback rewards and no annual fee. Or check out the Petal® 2 Card if you prefer an unsecured option that uses alternative data for approval.
Remember: earning good credit opens doors to better rates, more financial products, and even new opportunities in life. Start small, be patient, and watch your credit history grow strong and healthy.
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