How can I build my credit if I have no credit?
Jackson Reed
Updated on February 13, 2026
3 things you should do if you have no credit history
- Become an authorized user. One of the simplest ways to build credit is by becoming an authorized user on a family member or friend’s credit card.
- Apply for a secured credit card.
- Get credit for paying monthly utility and cell phone bills on time.
Which is the best credit card for a person with no credit?
The best credit cards for people with no credit have annual fees as low as $0 and credit limits starting around $200 – $300. No-credit credit cards also offer high approval odds to newcomers despite their limited credit experience. So read on and find out the best credit cards to get if you don’t have any credit.
Which is the best credit card to build your credit?
Although your initial credit limit will be restricted to $200, requiring a deposit of $49 to $200 depending on your individual credit, you can qualify for a higher credit limit after just five months of responsible card use. 2. Discover it® Secured Credit Card No Annual Fee, earn cash back, and build your credit with responsible use.
Which is the best credit card to get cash back on?
No hard credit pull and no credit history required Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month No annual fee and a modest cash back rate make this a fine beginner credit card for students. Earn 1% cash back on all your purchases.
Which is the best credit card to get to restore your credit?
In the secured credit world, the Discover it® Secured Credit Card stands above the competition. With an unlimited 1% cash back rate on all purchases, plus 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, no penalty APR and no annual fee, we love this card for those who need to rebuild their credit.
