How do I have a credit score but no credit card?
Sophia Koch
Updated on February 19, 2026
You can have a credit score without a credit card if you’ve otherwise borrowed money, had a landlord report your payments to the credit bureaus, or failed to pay bills. But applying for the right credit card, like an easy-to-get secured card, is one of the cheapest ways to start building your credit history.
What stores will give you a credit card with no credit?
Here are some of the best store credit cards for no credit:
- Fingerhut Credit Account: $0 annual fee and $0 monthly fees. One-time fee: None.
- Montgomery Ward Credit Account: $0 annual fee.
- Credit One Bank® NASCAR® Credit Card: $39 – $99 annual fee.
- Harley-Davidson® Secured Credit Card: $0 annual fee.
How to get a credit card with no credit?
A cosigner agreement is one where another individual puts his own credit on the line for someone who has credit issues, or in this case, no credit. A co-signer agreement greatly increases the likelihood of getting a credit card, along with the terms of the credit card itself.
What to do if you have no credit history?
Here are some options if you have no credit history or your credit file is limited: Student credit cards. This type of card is offered to college students who may be new to credit. They may have student-friendly terms, such as rewards and no annual fee.
What should I do if I get approved for a credit card?
Once you’re approved for a credit card, use it responsibly so that you can qualify for better credit cards and loans in the future. Maintain a low balance and try to pay it in full every month to build a good credit history. Also, keep these other pointers in mind: Don’t give up if you don’t have any previous credit history.
How can I get a CD loan without a credit card?
To get a CD loan, you can use either whatever savings you have accrued or a CD account. Whoever grants the loan uses those funds as security should you fail to pay them back. Obviously, this isn’t going to be an easy route to take for most average Americans, who have little to zero savings.
