How to Get a Credit Card with No Credit History in the U.S. (Step-by-Step Guide)

Great for students, immigrants, and young adults starting their credit journey

Building credit in the U.S. can feel overwhelming, especially if you’re new to the system. Whether you’re a student, a recent immigrant, or a young adult with no financial footprint, getting your first credit card is the smartest way to start your credit journey. This guide breaks down exactly how to get a credit card with no credit history—safely and effectively.

📃 Why Credit History Is Important

In the U.S., your credit score reflects your ability to handle borrowed money. Lenders, landlords, utility companies, and sometimes even employers check this score to determine if you’re financially responsible. If you don’t have a credit history, it doesn’t mean you’re bad with money—it just means the system doesn’t know you yet.

So how do you get started with no track record? Let’s explore.

✅ Step 1: Choose the Right Type of Starter Credit Card

If you have no credit history, you can’t jump into premium cards right away. But many beginner-friendly options exist:

1. Secured Credit Cards

• These require a refundable deposit (usually $200-$500)
• Your credit limit equals the deposit
• Builds credit while minimizing risk for the lender

Top Pick: Discover it® Secured — Earns cashback, no annual fee, free FICO score.

2. Student Credit Cards

• Designed for U.S. college students
• No deposit required, but you need proof of enrollment or income

Top Pick: Capital One SavorOne Student — Great rewards, easy approval for students.

3. Cards with No Credit Check

• Use income or banking activity instead of a credit score
• Ideal for immigrants and freelancers

Top Pick: Petal® 1 Visa — No fees, uses cash-flow underwriting.

📘 Step 2: Check Your Eligibility

Even beginner cards have some basic requirements:

• Must be 18+ years old
• Have a U.S. mailing address
• Provide a Social Security Number (SSN) or ITIN
• Show proof of income (part-time job, allowance, or family support)

Pro Tip: If you have no income, ask a trusted adult to co-sign or add you as an authorized user on their card.

📊 Step 3: Apply Strategically

Every credit card application creates a “hard inquiry,” which may impact your credit score slightly. So apply wisely:

• Use pre-qualification tools from Discover, Capital One, etc.
• Only apply to 1-2 cards at a time
• Avoid store cards or cards with high annual fees

📅 Step 4: Use Your New Card Responsibly

Congratulations, you’re approved! Now it’s time to build that score:

Set up auto-pay for at least the minimum due, and treat your card like cash you already have.

📊 Step 5: Monitor Your Credit Score

Your card issuer may offer free credit monitoring. Track your progress monthly and watch for:

• Score increases
• Errors in your credit report
• Chances to upgrade to better cards

Most people can move to an unsecured card within 6–12 months of good behavior.

🚀 Bonus Tip: Become an Authorized User

If someone you trust (like a parent or spouse) adds you to their credit card, their positive payment history helps you instantly. This is a zero-risk way to start your credit journey without applying.

🔍 Quick Recap: Best Starter Cards

🌐 FAQs

Q1. Can I get a credit card without SSN?
Yes. Use your ITIN if you don’t have a Social Security Number.

Q2. How fast can I build a credit score?
You can see results in 3-6 months with smart usage.

Q3. Is there a minimum amount to apply?
Some cards have no minimum deposit or income requirements.

Getting a credit card with no history in the U.S. may seem tough, but it’s absolutely possible with the right steps. Start small, be consistent, and within a year, you’ll have the financial foundation you need for bigger goals like loans, apartments, or even buying a car.

Start building your credit today—your future self will thank you.