Apply for First Time Credit Cards Online

First Time Credit Cards

Many people are looking for first time credit cards. There are several options available to those who do not yet have a credit history and each opportunity will allow you to gradually build up your credit status. So, there is no need to hesitate when applying for a credit card for the first time.
Apart from the well known convenience of using credit cards to make payments in stores and online, there are many additional advantages to using a credit card to make your payments.

 

What are some reasons to apply for a first time credit card?

• A credit card will provide extra protection if an item or service you purchase fails to meet your expectations.
• Monthly credit card statements help you track your expenses.
• It is usually safer to carry a credit card rather than cash.
• Paying your credit card balance each month will help you to build a solid credit rating over time.

 

Why is credit important?

By paying your credit card bills in a timely way a first time credit card holder will be able to develop a solid credit track record. A good credit history will allow you many credit possibilities in the future such as the ability to receive a personal loan, a mortgage, a lower interest rate on your credit card and a higher credit limit.

 

What are some of the options for someone looking for a first time credit card?  

Several options are available depending on your situation. There are prepaid and secured credit cards to choose from. If you are employed, had a bank account for over a year and are over 18 years old then any credit card which requires Fair or Average credit status should also be available to you. If you are a student and entering the credit card market for the first time then a student credit card would be the best choice for you.

 

What is a Prepaid Credit Card?

A prepaid credit card is a credit card in which money is loaded onto the card. The card can be used up to the limit of the prepaid amount. A prepaid credit card does not require a credit history and can therefore be issued quickly. Look for a prepaid credit card that will allow you to build up your credit rating. See our large selection of Prepaid Credit Cards.

 

What is a Secured Credit Card?

A secured credit card is secured with a security deposit. You can use the card up to the secured amount. Before applying for a secured credit card be sure the issuer will eventually offer you an unsecured credit card once you have established that you pay your balance regularly. See our large selection of Secured Credit Cards.

 

What is a Student Credit Card?

Many first time credit card holders are students. Though you may not have a credit history, if you are enrolled in an accredited school then you will qualify for a student credit card. A first time student credit card is an opportunity to create a good credit history if you regularly pay your monthly balance on time. See our large selection of Student Credit Cards.

 

If you have a fair or average credit rating you should be able to apply for a first time credit card. 

If you have had a bank account for one year or longer and have not bounced any checks and if you have been regularly employed you should be able to apply for a credit card that requires a fair or average credit rating. CreditCreator.com offers many credit cards for those who have fair or average credit.

 

	Discover® Motiva(SM) Card
	5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners Free Payment by Phone or Online – Even on Your Payment Due Date Choose a Payment Due Date That Meets Your Needs No Annual Fee *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 3.99% Intro APR* Free as low as 11.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	Current by Discover - Teen Prepaid Debit Card
	Debit Card for Teens with Built-In Parental Controls; Set Daily, Weekly, and Monthly Spending Limits Restrict Teen Card Use in Unwanted Shopping Categories (e.g. Liquor Stores, Tobacco Stores, Hotels, etc.) Free Direct Deposit for Parents and Teens; Free Deposits from Any Credit Card of Bank Account $0 Fraud Liability Guarantee Withdraw Cash at ATMs Get Exclusive Discounts at Teen's Favorite Merchants Free E-Mail and Text Message Activity Alerts No Minimum Balances, Loading Fees or Credit Check
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $0 No APR $50 Average Balance Transfers: N/A Issuer: Discover Rating:

	Escape by Discover® Card
	25,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase the First 25 Months Unlimited Double Miles on All Purchases Book Any Travel, Anytime with No Blackout Dates or Restrictions 2 Additional Miles for Every $1 You Spend Through ShopDiscover, Our Exclusive Online Shopping Site Enhanced Travel Benefits Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 90 Brand-Name Partners, or Cash Starting at Just 1,000 Miles $60 Annual Fee
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR* Free as low as 11.99% $60 Average Balance Transfers: YES Issuer: Discover Rating:

	IberiaBank Visa® Classic Card
	No Annual Membership Fee Low Introductory APR on balance transfers for the first 6 billing cycles. 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 1.99% APR for 6 Months Free As low as 8.75%* $0 Average Balance Transfers: YES Issuer: IberiaBank Rating:

	IberiaBank Visa® Select Card
	Introductory Fixed Rate on Purchases and Balance Transfers of 8.75% APR for the First 12 Billing Cycles Low Ongoing Variable Rate APR after introductory period No Transaction Fee for Balance Transfers 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 8.75% APR for 12 Months Free 8.75% $45 Average Balance Transfers: YES Issuer: IberiaBank Rating:

	Ultra VX Visa® Card
	Credit-On Demand™: Up to $25,000 Credit Line - Patent Pending Instant Approval: No Credit Check, No Minimum Income, or Bank Account Required Credit Reporting: Reports to Major Credit Bureaus Clear Rewards™ American Airlines, Southwest, jetBlue, Marriot, and More No Restrictions! Powerful Account Features: Direct Deposit, Bill Pay, Free Alerts, Add Cash Instantly at 100,000 Retail Locations Nationwide
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $29.95 14.9% $0 Average Balance Transfers: N/A Issuer: New Millennium Bank Rating:

	Wired Plastic™ Prepaid Visa® Card
	New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide No Bounced Check, NSF and Overdraft Charges EVER! FREE Rewards Program - Earn 1 Point for Every $1 Spent, Redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls FREE Bill Pay Service - Pay Anyone Online or Over the Phone FREE Credit Builder with Overdraft Protection FREE Mobile & Email Alerts FREE Direct Deposit - Eliminate Check Cashing Fees Add Cash Instantly at 100,000 Retail Locations Nationwide
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $9.95 No APR $0 Average Balance Transfers: N/A Issuer: The Bancorp Bank Rating:

	Delta Reserve Credit Card
	Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket! Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles Complimentary Crown Room Club(R) access for you and two guests Access to American Express(R) Concierge Services Pay with Miles - pay for all or part of any Delta flight with your miles
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. Free 14.50% $450 Average Balance Transfers: N/A Issuer: American Express Rating:

	Applied Bank® Secured Visa® Credit Card
	9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late! CHOOSE Your Credit Limit Up To $5,000* $0 Fraud Liability NO Credit Requirements NO Income Requirements ACCEPTED Worldwide at Millions of Locations CREDIT Bureau Reporting *Minimum $200 Deposit Required. Your Credit Limit Will Be Equal to the Amount of Your Deposit.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $0 9.99% $50 Average Balance Transfers: N/A Issuer: Applied Bank Rating:

	AccountNow® Prepaid Visa®
	iAdvance Line of Credit, No Credit Check Needed $0 ACTIVATION FEE - When You Load Your Card By Direct Deposit 100% Guaranteed Approval* FREE Credit Builder FREE Online Bill Pay NO Overdraft Fees or Minimum Balance Required Re-loadable With a $10,000 Balance
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $9.95** No APR $0 Average Balance Transfers: N/A Issuer: MetaBank Rating:

	READYdebit® Card
	Visa® Debit Card — Accepted Worldwide Access to a Million ATMs Around the World Online Bill-Payment and Check-Writing Service That Lets Customers Pay Anyone By Check Free Direct Deposit, Plus a Network of 50,000 Locations Where Customers Can Load Their Visa® Card With Cash 24x7 Customer Support — Online and Phone FDIC Insurance & Visa®'s Zero Liability Protection Against Fraudulent Use
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $9.95 No APR $0 Average Balance Transfers: N/A Issuer: MetaBank Rating:

	Vision Silver(SM) Prepaid MasterCard®
	Perfect Card for Government/Benefits Checks Recipients $0 Activation with Rebate* 100% Guaranteed Approval*/No Credit Check Free Direct Deposit of Your Pay or Government Check Free Unlimited Purchase Transactions Anywhere Where MasterCard Debit Card is Accepted No Overdraft Fees or Minimum Balances Online Checking - Electronic or Paper Checks
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $9.95 No APR $0 Average Balance Transfers: N/A Issuer: MetaBank Rating:

	AccountNow® Prepaid MasterCard®
	iAdvance Line of Credit, No Credit Check Needed $0 ACTIVATION FEE - When You Load Your Card By Direct Deposit 100% Guaranteed Approval* FREE Credit Builder FREE Online Bill Pay NO Overdraft Fees or Minimum Balance Required Re-loadable With a $10,000 Balance
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $9.95 No APR $0 Average Balance Transfers: N/A Issuer: MetaBank Rating:

	Facecard Prepaid MasterCard®
	FREE Activation with NO Annual or Monthly Fees! A Safe Alternative to Credit Card Debt Instant and Convenient Access to Funds - Have Your Paycheck Deposited Directly on Your Facecard Set Up Bill Pay, No More Forgetting the Electricity Bill Friend-to-friend Paybacks as Easy as Going to the Website Via Internet or Mobile Phone Ability to Use Anywhere MasterCard Debit Cards are Accepted, Including ATMs Receive Prewards, Which are Like Coupons, Put Directly on Your Card
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $0 n/app $0 Average Balance Transfers: N/A Issuer: MetaBank Rating:

	TrueEarnings® Card from Costco and American Express
	Earn cash back on gas and a $25 statement credit with your first purchase made with the Card Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco No Annual Fee with your paid Costco Membership The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card No Limit on the Cash Back earned
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free 15.24% $0 Average Balance Transfers: N/A Issuer: American Express Rating:

	Public Savings Bank Secured Black Card
	0% APR for 6 Months on Purchases No Annual Fee We Report to All 3 Credit Bureaus No Minimum Credit Score, No Income/Employment Verifications 25 Day Grace Period Use the Card Everywhere You See the Visa® Logo Lifetime Credit limit up to $10,000
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months $79 11.24% $0 Average Balance Transfers: N/A Issuer: Public Savings Bank Rating:

	Vision Premier(SM) Prepaid Visa® Card
	$0 ACTIVATION with Direct Deposit* $0 WEEKLY FEE with Direct Deposit* Guaranteed Approval / No Credit Check FREE Direct Deposit; No More Check Cashing Fees FREE Email/SMS Alerts; Instantly Know Your Balance FREE Unlimited Purchase Transactions FREE Online Checking Popular Load Locations: Western Union, MoneyGram, ACE, & More
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available Up to $29.95 No APR $0 Average Balance Transfers: N/A Issuer: The Bancorp Bank Rating:

	Discover® Student Card - Clear
	More Ways to Earn More Cash than Anyone Else(SM)* Unlimited Cash Rewards, Automatically Up to 20% Cashback Bonus® When You Shop Online* Double Rewards with More than 100 Cashback Bonus® Partners* Customer Service in Less than a Minute, Anytime You Want *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	Discover® Student Card - Monogram Collection
	More Ways to Earn More Cash than Anyone Else(SM)* Unlimited Cash Rewards, Automatically Up to 20% Cashback Bonus® When You Shop Online* Double Rewards with More than 100 Cashback Bonus® Partners* Customer Service in Less than a Minute, Anytime You Want *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	Discover® Student Card - Tropical Beach
	More Ways to Earn More Cash than Anyone Else(SM)* Unlimited Cash Rewards, Automatically Up to 20% Cashback Bonus® When You Shop Online* Double Rewards with More than 100 Cashback Bonus® Partners* Customer Service in Less than a Minute, Anytime You Want *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Interest* for 6 Months Free 14.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	Millennium Advantage Pre-Paid MasterCard®
	Use Your Card at Over 900,000 ATMs and Millions of Locations Worldwide! No Credit Check or Income Verification Required No Chexsystem Check No Minimal Balance Required! Phone and On-line Account Access Shop and Pay Bills On-line!
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $99 No APR $0 Average Balance Transfers: N/A Issuer: New Millennium Bank Rating:

	Next Millennium MasterCard®
	Get a Full Privilege Secured MasterCard® Credit Card Account Get Approved for Up To $5,000 in Secured Credit with No Credit Check Guaranteed Approved Regardless of Credit History or Income Earn Interest on Your Deposits FDIC Insured
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $35* 19.5% $59 Average Balance Transfers: N/A Issuer: New Millennium Bank Rating:

	First Option Visa® Card
	Get a Full Privilege Secured Visa® Credit Card Account Get Approved for Up To $5,000 in Secured Credit with No Credit Check Guaranteed Approved Regardless of Credit History or Income Earn Interest on Your Deposits FDIC Insured
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $99.95 19.5% $59 Average Balance Transfers: N/A Issuer: New Millennium Bank Rating:

 

 

 

 

 

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