💳 Top 5 Credit Cards for Beginners in the U.S. (No Credit History Required – 2025)
New to credit? No problem. Whether you’re a student, immigrant, or just starting your financial journey — these beginner-friendly credit cards can help you build your credit from scratch without any past history.
🔍 What to Look for in a Beginner Credit Card:
- ✅ No credit or low credit score required
- ✅ No annual fees
- ✅ Reports to all 3 major credit bureaus
- ✅ Low deposit (for secured cards)
🔥 Top 5 Credit Cards for U.S. Beginners (2025)
1️⃣ Discover it® Secured Credit Card
- ✔️ No annual fee
- ✔️ Reports to all 3 credit bureaus
- ✔️ 2% cashback on gas & restaurants
- ✔️ Automatic review after 7 months to upgrade
2️⃣ Capital One Platinum Secured
- ✔️ No annual fee
- ✔️ Deposit can be as low as $49
- ✔️ Great for first-time cardholders
3️⃣ Chime Credit Builder Visa®
- ✔️ No annual fee, no interest
- ✔️ No credit check to apply
- ✔️ Requires Chime account
4️⃣ OpenSky® Secured Visa®
- ✔️ No credit check
- ✔️ $200 minimum deposit
- ✔️ Great for people rebuilding credit
5️⃣ Petal® 1 "No Annual Fee" Visa®
- ✔️ Doesn’t rely on credit score — uses banking data
- ✔️ No fees, rewards program available
- ✔️ Ideal for U.S. newcomers
📌 Tips Before Applying
- 💡 Only apply for 1–2 cards at a time
- 💡 Always pay your balance on time
- 💡 Keep usage below 30%
📈 What Happens After You Get the Card?
- ✔️ Use it regularly for small expenses
- ✔️ Pay it off in full every month
- ✔️ Your credit score will start improving in 2–3 months
💬 Have questions or want to share your experience with beginner cards? Drop a comment below — let’s grow smarter together!