Intro APR Offer
x% intro APR† for x months on purchases.
Credit Cards for No Credit History
No credit score required to apply for a Discover credit card1
College students with no credit history could be eligible for a beginner Student 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.
What to do before you apply for a credit card with no credit score
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 be more attainable than traditional credit cards. For example, Discover student credit cards require you to be actively enrolled as a student at an accredited institution of education. Secured cards require a security deposit from your bank account, which secures your credit limit.
Apply for starter credit cards
Once you’ve evaluated the credit card options that are available for someone who is starting their credit journey, like you, decide which you want to apply for first. If you submit multiple applications for many different credit cards at the same time, this may impact your credit score negatively. That’s because the applications include hard inquiries placed on your credit report.
Create good credit habits
Your credit history, credit report, and credit score reflect the status and activity across all your financial accounts. It’s important to practice good credit habits, like paying every bill on time, as part of your journey to establish credit.
What to look for in a starter credit card
When a credit card has an annual fee, you pay money every year just to keep the account open—even if you aren’t using it. So it’s a good idea to find a starter credit card without an annual fee.
Lower credit score requirements
No credit score is required to apply for Discover Student credit cards.1 And if you aren’t a student, different credit card issuers may offer secured cards that have lower credit score requirements.
Flexible secured credit cards
Some secured credit card issuers automatically upgrade secured card customers to a standard credit card after they’ve had their secured card for a specific amount of time and have demonstrated responsible financial behaviors that have built credit.
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 usually the biggest factor when the calculating your credit 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.
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 credit with responsible use.2
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