Intro APR Offer
x% intro APR† for x months on purchases.
Credit Cards for No Credit History
Get a Discover credit card with no credit score required to apply1
Start your credit journey with a beginner credit card from Discover.
Intro APR Offer
x% intro APR† for x months on purchases.
Then x% to x% Standard Variable Purchase APR will apply.
Build your credit with responsible use.2
Your credit line will equal your deposit amount, starting at $200.8
x% Standard Variable Purchase APR† applies.
Build your credit with responsible use.2
Your credit line will equal your deposit amount, starting at $200.8
x% Standard Variable Purchase APR† applies.
What to do before you apply for a credit card with no credit score
Check your credit score
Reviewing your current credit score can help you establish credit score goals and see how credit actions impact your score. But if you don't have a credit score, rest assured, Discover has credit cards with no credit score required to apply.1
Find the right types of credit cards for beginners
If you are looking for your first credit card, a student credit card or a secured credit card may have different credit requirements than traditional credit cards. Among other criteria, student cards require active student status. Secured cards require a security deposit from your bank account, which secures your credit limit.
Apply for starter credit cards
Making multiple applications at once for many credit cards may impact your credit score negatively, because the applications will result in hard inquiries placed on your credit report. But applying for credit cards that are built for people with no credit scores may make more sense for someone starting their credit journey.
Create good credit habits
Paying every bill on time can help you build credit history with responsible use.2 After you use a secured credit card responsibly for a while, you may be able to upgrade to an unsecured card. With the Discover it® Secured credit card, you can upgrade to an unsecured card after 6 consecutive on-time payments and maintaining good status on all your credit accounts.3
What to look for in a starter credit card
Discover student and secured credit cards also have no late fee on your first late payment. See important pricing info.
Lower credit score requirements
No credit score is required to apply for Discover it® Student Cash Back, Discover it® Student Chrome, and Discover it® Secured Credit Card.1 Discover will consider information you include on your application and provided by others to determine your eligibility.
Flexible secured credit cards
Your credit card company may review your account to see if you qualify to upgrade from a secured credit card to a traditional card. If you have a secured credit card with Discover, you can get your deposit back when you upgrade to an unsecured credit card after six consecutive on-time payments and six months of good status on all your credit accounts.3
Benefits that don't just talk the talk
$0 Fraud Liability Guarantee
You're never responsible for unauthorized purchases on your Discover Card.9
Free Social Security number alerts
Get an alert if we find your Social Security number on the dark web.10 Sign up to activate this free benefit.
Freeze your account
If you misplace your card, you can prevent new purchases and cash advances in seconds with the on/off switch on our mobile app and website.11
Real human customer service 24/7
You can talk to a real human on our customer service team any time.12
New credit users in the U.S. can build credit with responsible use2
To help make every credit card monthly payment on time, create a budget for your income to cover expenses including credit card bills. Responsible credit use means budgeting your credit card expenses to make sure you can always make at least your minimum amount due by your due date for each monthly payment.
Annualcreditreport.com requires some basic information like your name and Social Security number and then provides you with one free credit report from each major credit bureau (Equifax, Experian, and TransUnion) every year. Reviewing your credit report can help you confirm that the information reported is accurate, can build credit knowledge and see why lenders may think you have good credit, fair credit, poor credit, or limited credit.
While your payment history is the biggest factor in your FICO® Score, your amounts owed (including your balances as compared to your limits), the age of your credit accounts, the mix of your credit accounts, and the number of credit applications you have submitted all can impact your score.4
For people immigrating to the U.S. with a limited credit history, establishing personal credit can be challenging, but not impossible. After you have the required documents to apply, a secured credit card or student credit card may help you build a credit history with responsible use.2
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