Find the Perfect Credit Card for Your Lifestyle at CheckRates.com

Limited or No Credit History

The following Credit Cards and Prepaid Debit Cards are for people with limited or no credit history. Compare offers side by side and apply online for the card that is right for you.

Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt or has a co-signer over the age of 21 who agrees to accept joint liability for the account.

AccountNow® Gold Visa® Prepaid Card

  • Get Paid up to 2 days Faster with Free Direct Deposit ▼ - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
  • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A up to $9.95 monthly fee No Credit Check

Luxe Signature

  • 0% Interest for Members!
  • The Power to Purchase!
  • Shop with Confidence!
  • Low Monthly Payments!
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A $0 1st year, then $0 Bad Credit

UNITY® Visa Secured Credit Card

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 9.95% 6 months 17.99% (Fixed) $39 Bad Credit

READYdebit® Visa Prepaid Card

  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color - Blue, Pink, Black
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A $9.95 monthly fee No Credit Check