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It is difficult to approve a credit card when you do not have credit. Before you keep a valid credit history, you need to be accepted, but if you can not establish credit history if you can not get approved. Also offer some credit card rewards – thankfully that some good credit cards allow you to start building your credit with no previous credit history.
There are two best credit cards without a student credit card and secure credit card credit. We have included a few other options for non-students and those who prefer to leave the security deposit. Get more of a credit if you read the best credit card.
01 : Best Cash Back Rewards: Capital One QuicksilverOne
Quixilver gives unlimited 1.5% cash back prizes on all purchases from one Capital One. A flat reward means that you do not have to be in any category or you do not have to register to increase your reward. QuickSilverA credit card pays a flat 1.5% cash on all your purchases. You can redeem your prize for any amount at any time and they never end. This card has an annual fee, which means that you will need to charge $ 2,600 to buy
If you start with a low credit line, do not worry – it’s normal if you get a credit card without a credit card. If you make your first five monthly payments in a timely fashion, Capital One will automatically consider to increase the credit line. The APR on this credit card is very stable, so to avoid costly interest costs and to avoid avoiding your prizes, pay your balance every month.
Capital One Quixilver comes with some extra mastercard benefits, including extended warranty of items purchased in your card, auto rental insurance and travel accident insurance.
02 : Best No Annual Fee: Capital One Platinum
Capital One Platinum does not have many frills and extras – it has the reputation of applying for consumers who are only starting with credit. There are dozens of user-submitted reviews on Capitol One’s website which were approved despite no credit history. Just make sure you earn before you apply.
If you make your first five monthly payments on time, like the other credit card of the Capital One, you will be automatically charged for a credit line increase. And due to the vertical APR, you want to pay your balance every month to avoid paying interest on your credit card balance.
03 : Best for No Credit Check: OpenSky Secured Visa
Even if you are depositing security in collateral for your credit line, most secured credit cards still check credit. OpenSky Safe Visa is an exception. This secured credit card does not require a credit check, which makes it easy to accept.
You can open an OpenSky Secure Visa with a security deposit between $ 200 to $ 3,000, which you can do by debit card, capital bank, western union, wire transfer or mail or by mail. These options are suitable for people who do not have a traditional checking account.
Your credit history will be notified to three major credit bureaus, which means that you pay your payments on time and at the time you do not have the right credit card balance, you can start making good credit. Unlike most other secured credit cards, your card will not change into unsafe credit cards. However, once you start making a credit, you may be able to qualify for an unsafe credit card.
04 : Best Cash Back Secured: Discover Secured Credit Card
Find this secure credit card is a secure credit card with additional allowances. Your purchase cash amount gives you compensation that you can redeem for credit statement in your account. Buy these two categories of cash up to $ 1000 at each restaurant or gas station in this category. All your other purchases will flush up one percent flat. Keep your card open for one year and search in the first year will automatically match all your cash.
The minimum $ 200 security deposit is required to open your credit card. Once your account is open for eight months, then Discover will consider changing your account to an unsafe credit card. You will get a refund of your security deposit and keep your credit line. Due to this benefit, submitting a bigger security for a higher credit line may be a good idea.
Discover includes free FICO scores with your monthly billing details, so you will be able to see how your credit card usage is helping your credit scores.
05 : Best Cash Rewards for Students: Discover it Student Cash Back
Student credit card is a good option for people without credit. Credit card issuers may also ask for a credit card clearance for the first nomination evidence – so before applying make sure that you are a student.
Learn that the student pays 5% cash on purchases in the cash back credit card category, which sends out every quarter and everything else after one percent As you have to sign up for the classes, you have to sign up to earn 5% cash in bonus categories. Register before the start of the quarter to ensure access to bonus in all quarters.
Keep your card active and in good condition, and at the end of your first year, Discover will match all the cash you earned at the end of your first year. If you have your GPA 3.0 or higher, you can earn a $ 20 cash back bonus for each school year for the next five years.