Can you get a credit card without a credit score?
Emma Miller
Updated on January 26, 2026
Without a credit history of any kind, you’ll only be eligible for a few select types of credit cards. The first is a secured credit card, which is a type of credit card that requires a cash deposit as collateral. Even people without a credit history have options when it comes to getting a credit card.
How many points do you lose when applying for credit?
five points
According to FICO, a hard inquiry from a lender will decrease your credit score five points or less. If you have a strong credit history and no other credit issues, you may find that your scores drop even less than that. The drop is temporary.
How to find out if you have no credit?
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How to get a business credit card without a personal credit check?
Other ways to get a business credit card without a personal credit check. If you have a good credit score but want to avoid personal liability on a traditional business credit card or simply want to untangle your business finances from your personal ones, there are a few nontraditional approaches you can take to truly separate the two entities.
Where can I get a free credit score without a credit card?
But, while it’s not hard to find a website promising a free credit score, it can be a challenge to find a website that gives you a truly free credit score without asking for your credit card number. If you want to see your credit report before you actually have a credit card, this can be a catch-22.
What to do if you dont have a credit card?
If you don’t have a credit card, it’s important to use other forms of credit or loans to show your ability to make on-time payments and manage debt. If you take out a student loan and make regular, on-time payments, this can help build your score. But if you’re not getting approved for other forms of credit, a secured card may be an option.