Skip to content
Tweak Your Biz home.
MENUMENU
  • Home
  • Categories
    • Reviews
    • Business
    • Finance
    • Technology
    • Growth
    • Sales
    • Marketing
    • Management
  • Who We Are

Getting a Credit Card Without a Credit History

By Darren Wilson Published February 5, 2020 Updated October 2, 2022

Acquiring a credit card can be difficult when you’ve recently moved to a new country and don’t have a local credit history. Most of the credit card companies must review applicants’ credit, and without a credit history, you might be denied credit even if you’ve always paid your bills on time. However, that’s not always the case; there are great credit cards that one can get without a credit history.

Top Picks If You Have No Credit History

Some card issuers use alternative methods when reviewing credit card applications. For instance, you can let the issuer analyze your bank account transactions and make a proper decision based on that information. For those seeking credit cards for no credit, this may be one of the best routes to obtaining a credit card that has low fees and excellent benefits.

Best Cashback Card: Petal Cash Back Visa® Card

Petal Cash Back Visa® Card will consider your credit history, if you have one, or can review your linked bank information instead. This card offers a rewards program, that is, cardholder benefits, and there are few fees to worry about, making it an easy-to-use and helpful credit card to keep in your wallet.

There are no foreign transaction, no annual or late payment fees. It earns 1% cashback when you first get the card, later 1.25% cash back once you make six on-time payments, and lastly, 1.5% cashback after making 12 on-time payments. To some extent, it helps in reporting your account details as well as monthly payments to major credit bureaus.

The credit limit can range within $500 to $10,000 depending on someone’s creditworthiness, and a higher credit line could be beneficial if you want to use the card to earn rewards frequently.

Best Cardholder Benefits: Deserve® Classic

Deserve offers many cards that are created specifically for those who are new to credit or new to a particular country. Even without having a credit history, the company can approve your application based on other factors, like your job or bank account balances.

While one earn rewards with the Deserve® Classic card. He’ll receive the same primary benefits that you get with all of the company’s cards: The Deserve® Classic doesn’t usually offer anything extra, but instead, it’s a necessary no-fee card that can help someone reach your credit goals.

Best Student Card: Deserve® Edu

When you’re in the U.S. as a visiting student, you may be eligible for a student credit card. It created the Deserve® Edu card with international students in mind, and it could be one of your top choices. The Deserve® Edu doesn’t require an SSN, which can be helpful if you’re studying in the U.S. lacking a job or anything a tax can come from.

It’s importantly good to note that not every credit card is the same; they have different rates, benefits, features as well as fee. With some credit cards, people can earn cashback for every purchase. Hence one should choose the best credit cards for no credit history.

woman credit card -DepositPhotos

Posted in Finance

Enjoy the article? Share it:

  • Share on Facebook
  • Share on X
  • Share on LinkedIn
  • Share on Email

Signup for the newsletter

Sign For Our Newsletter To Get Actionable Business Advice

* indicates required
Contents
Top Picks If You Have No Credit History
Best Cashback Card: Petal Cash Back Visa® Card
Best Cardholder Benefits: Deserve® Classic
Best Student Card: Deserve® Edu

Related Articles

Business
Finance

From Local to Global: How to Tweak Your Business for International Payments

Denzel Carter September 2, 2025
Finance

Why Most People Underestimate How Long Their Savings Need to Last

Henry Davis August 27, 2025
Finance

7 Financial Moves for Retirees Looking to Boost Cash Flow — Fast

Chaz Michaels August 25, 2025

Footer

Tweak Your Biz
Visit us on Facebook Visit us on X Visit us on LinkedIn

Privacy Settings

Company

  • Contact
  • Terms of Service
  • Privacy Statement
  • Accessibility Statement
  • Sitemap

Signup for the newsletter

Sign For Our Newsletter To Get Actionable Business Advice

* indicates required

Copyright © 2025. All rights reserved. Tweak Your Biz.

Disclaimer: If you click on some of the links throughout our website and decide to make a purchase, Tweak Your Biz may receive compensation. These are products that we have used ourselves and recommend wholeheartedly. Please note that this site is for entertainment purposes only and is not intended to provide financial advice. You can read our complete disclosure statement regarding affiliates in our privacy policy. Cookie Policy.

Tweak Your Biz
Sign For Our Newsletter To Get Actionable Business Advice
[email protected]