Fair or No Credit

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.

Discover it® for Students

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  • Discover matches all the cash back you’ve earned at the end of your first year – automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% – 22.24%.
  • Click “Apply Now”. *See rates, rewards, FICO® Credit Score terms & other information.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% for 6 months 10.99% for 6 months 13.24%-22.24% Variable* $0 Fair Credit

Discover it® Secured Credit Card

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  • No annual fee. No late fee on your first late payment. Paying late won’t raise your APR.*
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter.
  • Earn 1% cash back on all other purchases.
  • Discover matches all the cash back you’ve earned at the end of your first year – automatically. New cardmembers only.*
  • Your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).*
  • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you.
  • continue to enjoy your Discover card benefits.*
  • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.*
  • FICO® Credit Score for free on monthly statements & online.*
  • Click “Apply Now.” *See rates, rewards, FICO® Credit Score terms and secured card information.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/A 10.99% for 6 months 23.24% Variable* $0 Fair/Bad Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn.
  • 0% intro APR on purchases until January 2017; 23.24% variable APR after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is ever lost or stolen.
  • No Annual Fee.
  • Fraud coverage if your card is ever lost or stolen.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% intro on purchases for 9 months 0% intro on balance transfers for 9 months 23.24% (Variable) $39 Fair Credit

Capital One® Platinum Credit Card

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  • Pay no annual fee.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account, even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee – and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Help strengthen your credit for the future with responsible card use.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/A N/A 24.99% (Variable) $0 Fair Credit

Discover it® chrome for Students

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  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% – 22.24%.
  • Click “Apply Now”. *See rates, rewards, FICO® Credit Score terms & other information.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% for 6 months 10.99% for 6 months 13.24% - 22.24% Variable* $0 Fair Credits
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