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.
| Blue from American Express® |
- 0% APR on Purchases for Up to 12 Months
- No Annual Fee
- Low Balance Transfer APR 2.99% for 12 Months
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for Up to 12 Months |
Free
| As low as 10.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
 |
|
| Blue Cash® from American Express |
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Express Approval. Get a Decision in Less Than 60 Seconds.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for Up to 12 Months |
Free
| As low as 11.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
|
|
| Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards |
- Earn 2 Miles for Each Dollar of Monthly Spending Above $1,000
- 1 Mile Per $1 Spent on All Other Purchases
- Save With 0% Intro APR on Purchases Until January 2010
- Get Free Travel Easily with ANY Airline, Hotel, Cruise Line, or Rental Car
- No Blackout Dates and No Seat Restrictions
- No Expiration Date on Miles and No Limit on the Miles You Can Earn
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases Until January 2010 |
Free
| 9.90% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Discover® Motiva(SM) Card |
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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
| 10.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
|
|
| All-Access® Visa® Prepaid Card |
- As Seen in Stores Nationwide
- Extra User Cards EXCLUSIVE OFFERING!
- FREE (5% APR) Savings Account - EXCLUSIVE OFFERING!
- FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING!
- FREE Mobile Money Transfers - EXCLUSIVE OFFERING!
- Refer-a-Friend and You Both Get Paid - EXCLUSIVE OFFERING!
- Direct Deposit - Get Paid Fast
- Unlimited Purchase Transactions
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $0** | No APR | $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
|
|
| Pulaski Bank Visa® Card |
- Fixed Rate APR of 6.5%
- 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| 6.50% | $35 |
Average
| Balance Transfers:
YES
| Issuer: Pulaski Bank | Rating:
|
|
| ARC Travel MasterCard® |
- NO MONTHLY OR ANNUAL FEES
- 100% Guaranteed Approval - No Credit Check
- Multiple Load Options Including PayPal
- FREE Mobile and E-mail Balance and Activity Alerts
- FREE TRAVEL BENEFITS: Lost Luggage, Emergency Card Replacement, Medical Assistance, and More!
- PAYPASS TAP N’ GO Technology
- Multiple Cards Available - Get Cards for Up to 4 People Per Account
- Reloadable, Up to $9,500 Balance
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $0 | No APR | $0 |
Average
| Balance Transfers:
N/A
| Issuer: Security Savings Bank | Rating:
|
|
| Blue Sky from American Express® |
- 0% Intro APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for Up to 12 Months |
Free
| As low as 11.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | 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: BANKFIRST | Rating:
|
|
| IberiaBank Visa® Classic Card |
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| As low as 7.00%* | $0 |
Average
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
|
|
| Prepaid Visa® RushCard™ |
- Free Credit Builder with RushPath to Credit
- Free Text Alerts: Check Balance, Check Recent Transactions, and Deposit Alerts
- Free Direct Deposit of Tax Refunds, Anticipation Loans, and Paychecks
- Free 24x7 Customer Service
- Use Anywhere Visa Debit Cards are Accepted - In Stores on the Internet, and Over the Phone
- Simple and Reasonable - No Monthly, Annual, or Hidden Fees
- Everyone is Eligible No Credit Check or Employment Verification
- Helps Control Debt - You Can't Overspend!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $19.95 | No APR | $0 |
Average
| Balance Transfers:
N/A
| Issuer: Manufacturers and Traders Trust Company | Rating:
|
|
| Baby Phat Prepaid Visa® RushCard™ |
- Free Credit Builder with RushPath to Credit
- Free Text Alerts: Check Balance, Check Recent Transactions, and Deposit Alerts
- Free Direct Deposit of Tax Refunds, Anticipation Loans, and Paychecks
- Free 24x7 Customer Service
- Use Anywhere Visa Debit Cards are Accepted - In Stores on the Internet, and Over the Phone
- Simple and Reasonable - No Monthly, Annual, or Hidden Fees
- Everyone is Eligible No Credit Check or Employment Verification
- Helps Control Debt - You Can't Overspend!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $19.95 | No APR | $0 |
Average
| Balance Transfers:
N/A
| Issuer: Manufacturers and Traders Trust Company | Rating:
|
|
| All-Access® MasterCard® Prepaid Card |
- As Seen in Stores Nationwide
- Extra User Cards EXCLUSIVE OFFERING!
- FREE (5% APR) Savings Account - EXCLUSIVE OFFERING!
- FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING!
- FREE Mobile Money Transfers - EXCLUSIVE OFFERING!
- Refer-a-Friend and You Both Get Paid - EXCLUSIVE OFFERING!
- Direct Deposit - Get Paid Fast
- Pay Bills Online 24/7
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $0** | No APR | $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | 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® 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® Access for You and Two Guests
- Access to American Express® 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 | No Introductory Rate Available |
Free
| 13.99% | $450 |
Average
| Balance Transfers:
YES
| 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:
|
|
| 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 Gasoline, 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 3 Months |
Free
| 13.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | 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:
 |
|
| Discover® Open Road(SM) Card for Students |
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *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:
N/A
| 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:
|
|
| Continental Finance MasterCard® |
- Get Your Application Results in Seconds
- Monthly Reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- No Minimum Monthly Income Requirements
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- *See Website for Other Fees, Rates, and Terms and Conditions
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 19.92% | $50 |
Average
| Balance Transfers:
N/A
| Issuer: First Bank of Delaware | Rating:
 |
|
