Starting from scratch with no credit history can feel like a financial dead end. Whether you’re a student, a young adult, or someone rebuilding your credit profile, the right credit card with easy approval can be your first step toward financial independence.
In this guide, we’ll explore the best easy-approval credit cards for people with no credit in 2025, with real examples, a comparison chart, and expert tips to boost your approval odds.
Building Credit from Scratch: A Simple Guide
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✅ Why Credit History Matters – and How to Start
Having no credit history makes it harder to qualify for traditional credit products like loans or high-limit credit cards. Lenders can’t assess your risk without a track record, so they tend to say “no” or offer very high fees and interest.
The good news? Many issuers offer starter cards that are designed for beginners or people with no credit. These cards are easier to qualify for and report your activity to the credit bureaus — helping you build credit month by month.
🏆 Top 7 Easy Approval Credit Cards for No Credit (2025 Picks)
Here’s our curated list of easy-approval credit cards with no credit history required. These cards have minimal requirements, no or low annual fees, and credit-building features.
📊 Comparison Table: Best Easy-Approval Cards 2025
| Credit Card | Approval Ease | Annual Fee | APR | Rewards | Ideal For | Apply |
|---|---|---|---|---|---|---|
| Capital One Platinum Secured | ★★★★★ | $0–$49 deposit | 30.74% (V) | None | Rebuilders | Apply |
| Discover it® Student Chrome | ★★★★☆ | High for students | $0 | 18.24% – 27.24% (V) | 2% cashback | Students |
| Chime Credit Builder Visa® | ★★★★★ | No credit check | 0% | None | Beginners | Apply |
| Petal® 1 “No Annual Fee” Visa | ★★★★☆ | Moderate | $0 | 25.24% – 34.74% (V) | 2% cashback | Young adults |
| Deserve® EDU Mastercard for Students | ★★★★☆ | Medium | $0 | 22.74% (V) | 1% cashback + Amazon Prime | International students |
| OpenSky® Secured Visa® | ★★★★★ | No credit check | $35 | 25.64% (V) | None | Anyone |
| Self Visa® Credit Card | ★★★★☆ | Requires credit builder account | $25 | 26.99% (V) | None | Credit rebuilders |
🔍 Quick Overview of Each Card
1. Capital One Platinum Secured
- Ideal for: Credit newbies and rebuilders
- Why it stands out: You may qualify for a lower security deposit ($49, $99, or $200) for a $200 credit line.
- Monthly reporting to all three credit bureaus.
2. Discover it® Student Chrome
- Ideal for: College students
- Features: Earn 2% cashback at gas stations and restaurants, plus Discover matches your cashback at the end of year one.
- Bonus: No late fee on first missed payment.
📍Check out our full guide for students here:
👉 Best Student Credit Cards with No Credit History – 2025
3. Chime Credit Builder Visa
- Ideal for: Total beginners
- No credit check required, no fees, no APR.
- Connects to a Chime Spending Account; you set the credit limit using your own money.
4. Petal® 1 Visa
- Ideal for: Young adults
- Uses cash-flow underwriting (not just credit score).
- Cashback at select merchants, no deposits needed.
5. Deserve EDU Mastercard
- Ideal for: Students, especially international ones
- Offers 1% cashback on all purchases.
- Perk: Free Amazon Prime Student (6 months).
6. OpenSky® Secured Visa
- Ideal for: Anyone rejected elsewhere
- No credit check required.
- Requires refundable deposit; helps build credit safely.
7. Self Visa® Credit Card
- Ideal for: Rebuilders
- Comes with a Credit Builder Loan tied to a savings account.
- Convert into a secured card after saving a specific amount.
🧠 Pro Tips to Get Approved Faster
- Apply for just one card at a time. Multiple applications can hurt your chances.
- Use your checking/savings activity. Cards like Petal or Chime assess financial behavior, not credit scores.
- Add yourself as an authorized user on a parent’s or partner’s card with good standing — it builds your credit history.
- Always pay on time. This is the #1 factor for improving your score.
🧭 Related Guides You Should Read Next
If you’re ready to explore more targeted options, check out these:
📘 Best Student Credit Cards with No Credit History in 2025
📗 Best Credit Cards for Beginners With No Credit in 2025
🌐 External Resources Worth Exploring
These trusted sources also cover the topic in detail — great for comparison and validation:
- NerdWallet – Best Starter Credit Cards of 2025
- Bankrate – Credit Cards for No Credit History
- The Points Guy (TPG) – Best Credit Cards for Beginners
- Credit Karma – Build Credit With No History
- Experian – How to Build Credit from Scratch
💬 Final Thoughts
Starting with no credit may feel like you’re locked out of the system — but you’re not. With the right easy-approval credit card, you can get started safely and smartly, avoiding high fees and building your score month by month.
The key is to use it responsibly, pay on time, and keep your balance low. Within 6 to 12 months, you’ll open the door to better rates, higher limits, and more financial freedom.
📌 Don’t forget to explore: