Best Credit Card with no credit history

Cisco / Design eeKk42
Jul 29, 2018 36 Comments

So have a bud who just graduated, has a modest job and is looking out credit cards. Got rejected already by Chase and BoA. Any good suggestions on applying for one?

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TOP 36 Comments
  • Microsoft / Eng Tier 1
    Discover
    Jul 29, 2018 3
    • Cisco / Design eeKk42
      OP
      Any one? Can still get Student Cash Back after graduation?
      Jul 29, 2018
    • Microsoft / Eng Tier 1
      Not sure. Even the normal ones should be fine.
      Jul 29, 2018
    • Axtria 💗69
      OP, yes you can, if you provide your school email id
      Jul 29, 2018
  • Facebook Gimli
    I think Target gives credit cards to basically anyone because it's a $100 limit you can only spend at Target. Still builds credit.
    Jul 29, 2018 2
    • Cisco / Design eeKk42
      OP
      Thanks. Looking for a generic one though.
      Jul 29, 2018
    • Microsoft / Eng Tier 1
      This is a good option just to build history before getting another card.

      You want cards that you will keep open forever. I don’t believe Target charged fees
      Jul 29, 2018
  • Akamai Technologies / Eng
    Leet!

    Akamai Technologies Eng

    PRE
    Amazon
    Leet!more
    Citi dividend visa card - i know a kid who just graduated n got this card.
    Jul 29, 2018 0
  • Microsoft tKvD07
    Discover seems to specialize in giving cards to people just starting out.
    Jul 29, 2018 0
  • Cisco TcUN43
    Discover is a good card to get when you don’t have much credit. Plus, they double the cash back you earn in the first year.
    Jul 29, 2018 5
    • Cisco / Design eeKk42
      OP
      Thanks. Which Discover card? Confirmed cannot apply for student card as already graduated.
      Jul 29, 2018
    • Amazon npYz41
      I just graduated too and got approved with no history. Can pm you a referral for discover if you want.
      Jul 29, 2018
    • Amazon vdQy55
      Discover it
      Jul 29, 2018
    • Axtria 💗69
      OP, what you said is not true
      Jul 29, 2018
    • Cisco TcUN43
      Discover it is the card. And use a referral to apply, you will get 50 and it will be doubled to 100 at year end. Can pm you referral if you need one.
      Jul 29, 2018
  • Uber / Eng
    tROh00

    Uber Eng

    PRE
    Google
    tROh00more
    Capitalone is your best chance. Just get the credit card. No "secure credit card" BS.
    Jul 30, 2018 3
    • Cisco / Design eeKk42
      OP
      How much credit limit can one expect with CapitalOne? In Secure, you own the credit limit to maintain your < 20% utilization criteria.
      Jul 31, 2018
    • Uber / Eng
      tROh00

      Uber Eng

      PRE
      Google
      tROh00more
      A few thousand but that doesn't matter.
      A tip for utilization: pay the balance BEFORE statement comes. Utilization is ZERO.
      Jul 31, 2018
    • Cisco / Design eeKk42
      OP
      Got it
      Jul 31, 2018
  • Flagged by the community.

  • Amazon Ehdoubleus
    Secure cards are scams. Discover will give u the IT cars easy
    Jul 29, 2018 0
  • Salesforce Poor man
    When I came to usa I got a Credit card from DCU digital federal credit union . They give you a credit limit of 5k . So even if I spend 1k my credit card utilization is under 20% .

    Then in 3 months I applied a discover. Discover will give only 1k credit line which makes even a 300$ bill look huge.

    If you are looking to build good credit history follow my option
    Jul 29, 2018 0
  • CVS Health Troy !!!
    Discover should be the best option.
    Jul 29, 2018 0
  • Microsoft f(x)
    Get a card from a credit union. It is easier to get approved from credit unions than via big banks.
    Jul 29, 2018 0
  • Expedia Fenriq
    Well you can really only get one by banking through one of the banks. Then apply for one of the lower ends... like USBank and apply for a Cash+ card or something?
    Jul 29, 2018 0
  • Google mfj
    cap 1 journey
    Jul 29, 2018 0
  • Oath A3578801
    Jul 29, 2018 2
    • Microsoft / Eng Tier 1
      That bank is a joke smh
      Jul 29, 2018
    • Axtria 💗69
      This looks like a fraud bank to me
      Jul 29, 2018
  • Cisco / Design eeKk42
    OP
    Thanks guys closing in on Discover Secure.
    Jul 29, 2018 1
    • Cisco TcUN43
      Discover it cash back . Don’t take the secure one
      Jul 29, 2018
  • Nutanix
    MBapeBB2

    Nutanix

    PRE
    Google
    MBapeBB2more
    Even chase and bofa should give secured credit cards
    Jul 29, 2018 1
    • Cisco / Design eeKk42
      OP
      Bofa has $39 annual fee for secure. Not sure worth paying for it yearly if no plan to use it long term.
      Jul 29, 2018
  • Sprint UyrR86
    Digital credit union. Very good card.. been using it forever .
    Jul 29, 2018 0
  • Tango Health / Eng WaterColor
    Try capital one and Citi. They both are good try with no credit history. Even if you do not get through on refusal they offer a secure card with no annual fee.
    Jul 29, 2018 0
  • Amazon Ehdoubleus
    I got discover when I got rejected by Chase. I got approved online while I applied
    Jul 29, 2018 0

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