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 Card |
- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months , then the Regular APR
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 3.99% APR* |
Free
| 11.99% - 20.99% (Variable)* | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| Escape by Discover® Card |
- 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- No limit on the Miles you earn and Miles dont expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- Industry Leading Customer Service
- Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 6 Months* | n/app | 10.99% (V) | $60 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| IberiaBank Visa® Classic Card |
- No Annual Membership Fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- 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
| 7.25%, 10.25%, 13.25%* | $0 |
Average
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
None
|
|
| IberiaBank Visa® Select Card |
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
- Online access to credit card account information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0.00% or 7.50% for 12 Months on Purchases |
Free
| 7.50% | $45 |
Average
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
None
|
|
| Applied Bank® Secured Visa® Credit Card |
- 12.99% Low Fixed APR - Rate Won't Change Even If You're Late!
- Choose Your Credit Limit - From $200 up to $500
- Monthly Credit Bureau Reporting
- Genuine Visa Credit Card - Not a Pre Paid or Debit Card
- Accepted Worldwide at Millions of Locations
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $0 | 12.99% | $
|
Average
| Balance Transfers:
N/A
| Issuer: Applied Bank | Rating:
None
|
|
| Orchard Bank® Classic MasterCards |
- An Excellent Credit Card for Rebuilding Credit Scores; Reports to 3 Major Credit Bureaus Monthly!
- Acceptance at Millions of Locations Worldwide, Including Website Purchases and Reservations
- Your Account Information is Updated and at Your Fingertips 24/7 So You Can Manage It Your Way
- Email and Text Messages to Remind You of Your Upcoming Payment Due Date with Online Enrollment
- On-Call Customer Service Representatives to Assist You with Questions or Concerns
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No introductory rate information available. | $0 - $49 | Standard APR: 7.90% - 28.90% | $
|
Average
| Balance Transfers:
N/A
| Issuer: HSBC Bank Nevada, N.A. | Rating:
None
|
|
| 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 Offer Available | $9.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
| 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 |
| $
|
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
| NetSpend® Visa® Prepaid Debit Card |
- 100% Approval - No credit check required
- Make purchases anywhere Visa Debit is accepted
- Borrow Money and Build Credit with iAdvance line of credit
- No Overdraft Fees or Minimum Balances
- Free Direct Deposit
- EXCLUSIVE - 5% APY Savings Account
- Online Bill Pay - Easily send a check to Anyone
- Add up to $10K to your account in over 65,000 locations
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 |
| $
|
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
| Public Savings Bank Classic Secured VISA Card |
- Build Credit History - We Report to All 3 Major Credit Bureaus
- 0% APR on All Purchases for the First 6 Months
- No Annual Fees or Monthly Maintenance Fees
- No Credit Check
- No Checking Account Required
- Your Credit Is Not a Factor!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 6 Months | $75 | 11.24% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Public Savings Bank | Rating:
None
|
|
| Discover® Mix Tape Student Card |
- Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR on Purchases |
Free
| as low as 13.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| Discover® Student Card - Clear |
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 6 Months* |
Free
| as low as 13.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| Discover® Student Card - Monogram Collection |
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 6 Months |
Free
| as low as 13.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| American DreamCard™ Prepaid MasterCard® |
- No credit check required.
- No checking account required.
- Your funds on the American DreamCard™ Prepaid MasterCard® are safer than cash.
- Earn entries to win monthly CASH Jackpots for everyday shopping.
- Avoid money transfer fees.
- Free online statements.
- No late payment fees.
- Enjoy the convenience of plastic.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $0 |
| $59 |
Average
| Balance Transfers:
N/A
| Issuer: The Bancorp Bank | Rating:
None
|
|
| Discover® Open Road Card for Students |
- Double Cashback Bonus® at any gas station and any restaurant (yes, even on those infamous 1 AM burritos.)
- Hello 5% to 20% Cashback Bonus at our exclusive online mall; goodbye mall-walkers.
- Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.
- Turn your Cashback Bonus into even bigger rewards by redeeming for gift cards or eCertificates from more than 100 brand-name retailers.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 6 Months* |
Free
| as low as 13.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| Discover® Student Card - Tropical Beach |
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 6 Months* |
Free
| as low as 13.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
| Blue Sky from American Express(R) |
- 0% Intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases for 6 months |
Free
| 17.24%-21.24% Variable | $0 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
| Blue Cash(R) from American Express |
- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
- Receive your cash back automatically as a statement credit.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases for 6 months |
Free
| 17.24%-21.24% Variable | $0 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
| 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 BoostSM - 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
- Check your first bag for free on every Delta flight
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | None |
Free
| 14.5% variable | $450 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
| TrueEarnings(R) 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% on Purchases for 6 months |
Free
| 15.24% variable | $0 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
| Zync from American Express(SM) |
- Earn 10,000 Membership Rewards(R) points after first purchase
- Enjoy a low annual fee of just $25 for Basic Card
- Pay no interest - that's because you pay in full each month
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Protect eligible purchases with Purchase Protection and Extended Warranty
- Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | N/A [You must pay your balance in full each month] |
Free
| N/A [You must pay your balance in full each month] | $25 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
| 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** |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
| BuyRIGHT Pre-Paid MasterCard® |
- Free Direct Deposit
- On-Time Monthly Payments Reported To at Least One Major Credit Bureau
- Free Account Activity Alerts
- Flexible Fee Structure
- BuyRIGHT Rewards Program
- BuyRIGHT Cash Back Referral Program
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $29.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
| Vision Premier® Prepaid Visa® Card |
- No Credit Check, No Debt, No Interest, No Overdraft Fees
- Free Unlimited Purchases - Signature and PIN
- Free Customer Service
- Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
- Free PayFit Credit Builder - Pay Bills and Build Credit for Free
- Free Text and Email Alerts and Online Access to Track Spending
- Safer than Cash If Lost of Stolen
- Accepted Everywhere Visa Debit Cards are Accepted
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | Up to $29.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: The Bancorp Bank | Rating:
None
|
|
| Wired Plastic™ Prepaid Visa® Card |
- Accepted Everywhere VISA is Accepted
- No Credit Check, Income Requirements or Bank Account Required
- FREE Online Access to Account
- FREE Mobile Alerts - Text to Your Mobile or Email
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Rewards Program - Earn 1 Point for Every $1 Spent
- No Bounced Check, NSF or Overdraft Charges EVER!
- FREE Direct Deposit - Eliminate Check Cashing Fees
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: The Bancorp Bank | Rating:
None
|
|
