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Credit Cards for People with No Credit History

The credit cards listed below are for people with no credit history. Compare offers side by side and apply online for the card that is right for you. Apply for the no credit credit card of your choice by completing a secure online application online.

 
     

 
Capital One® Low Rate Guaranteed MasterCard®
Capital One® Low Rate Guaranteed MasterCard®

Capital One® Low Rate Guaranteed MasterCard®
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • Annual interest rate for cash advances is 19.8%
  • May help you strengthen your credit history
  • Security funds may be required
  • Annual fee of $79
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
14.9%
Balance Transfer
14.9%
Balance Transfer Fee
See Application
Annual Fee
$79
Credit Needed
Credit Needs Improvement

Capital One® Guaranteed MasterCard®
Capital One® Guaranteed MasterCard®

Capital One® Guaranteed MasterCard®
  • May help you strengthen your credit history
  • 24/7 customer service online or by phone
  • Security funds may be required
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
19.8%
Balance Transfer
19.8%
Balance Transfer Fee
See Application
Annual Fee
$59
Credit Needed
Credit Needs Improvement

Capital One® Guaranteed Secured MasterCard®
Capital One® Guaranteed Secured MasterCard®

Capital One® Guaranteed Secured MasterCard®
  • Guaranteed access to credit
  • May help you establish or re-establish your credit history
  • Security funds required
  • MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Typical APR
19.8%
Balance Transfer
19.8%
Balance Transfer Fee
See Application
Annual Fee
$59
Credit Needed
No Credit History

 
     

 

Tips for people with limited or no credit history

If you have limited or no credit history, the resources listed below could be of help.

The most innocent misstep while using credit cards can impact your finances. Watch the video to the right, to learn how to avoid common credit card mistakes.

This article from Finance Consumer Agency of Canada explains how credit cards work, and your rights as a credit card user.

Office of Consumer Affairs from Industry Canada offers numerous tips on how to improve your credit score.