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- How Can I Get a Credit Card With No Deposit?
You can apply and potentially be approved for most credit cards with no deposit, including cash back, travel and student credit cards. Some cards do, however, come with an annual fee. A traditional secured credit card can help you build your credit history, but requires a deposit that is used as collateral.
If you're looking for credit with no deposit and you don't have much credit history, there are a few options to consider:
1. Become an Authorized User on Someone Else's Credit Card
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Becoming an authorized user on a credit card account allows people who may not be able to qualify for a card by themselves to use someone else's credit card as if it were their own. Authorized users do not have all Las vegas slot winners videos. Lucky red casino no deposit. the same account capabilities of a primary account holder, but as far as general use is concerned, it's as if the card is theirs.
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One of the main benefits of being an authorized user is that if the primary account holder has a good history of use with the card, the authorized user may reap some of the rewards on their own credit. Many — but not all — issuers report authorized user activity to the credit bureaus, which means that you can essentially piggyback off a primary account holder's credit history for a given card.
On the other hand, if a primary account holder has missed payments on the card or is holding a high balance — both negative impacts to credit — an individual risks damaging their score by becoming an authorized user. Bingo patterns on slot machines.
Similarly, if an authorized user mishandles the credit card, racking up large balances they can't afford to pay off, the primary account holder will be held responsible. This responsibility may make it difficult to find someone who trusts you as an authorized user on their account.
2. Sign Up for a Student Card If You're a Student
A student credit card doesn't require a credit history or a deposit, so it could be a great option to start your credit journey – if you're a student.
Student credit cards also offer cash back rewards and can help you establish a credit score, among several other benefits.
If you're interested in applying for a student card, you'll want to make sure you have the right information to apply and get the right card for you.
3. Rethink Getting a Secured Credit Card
Yes, a secured card does include making a security deposit. However, you can qualify to get it back and it could be as low as a couple hundred dollars. The plus side is that you can still earn rewards and build your credit at the same time.
While not having to make a deposit could seem attractive up front, you also have to consider other factors, such as the interest rate you'll be charged on a revolving balance, annual fees and whether or not you will be approved.
You may want to learn more about how a secured card works before you dismiss it as a viable option.
Educating yourself on what type of behavior leads to a higher credit score should come before completing any applications. With a bit of preparation, and a commitment to good habits, you can find a credit card with no deposit that can help you create a brighter financial future. Play n go games.
Originally published September 25, 2017.
Updated August 24, 2020.
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Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
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These offers are no longer available on our site: Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Platinum Credit Card
Building credit can take time, and you may not want a secured card if you don't have enough cash to cover the security deposit. Fortunately, you might qualify for a second-chance credit card with no security deposit.
If you have bad credit, second-chance credit cards may help you improve your credit health. But as unsecured cards, they don't require that you put any money down upfront as a security deposit. Here are our picks for the top second chance credit cards.
Best for cash back rewards: Capital One® QuicksilverOne® Cash Rewards Credit Card
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Here's why: The Capital One® QuicksilverOne® Cash Rewards Credit Card offers unlimited 1.5% cash back on each $1 spent on every purchase, making it a good option for racking up rewards while you work on rebuilding your credit.
Even if you've defaulted on one loan in the past five years, you might still qualify for the card. Other negative credit report items, though, could make it difficult to get approved. On top of the card's rewards program, you can also get automatic reviews for a a higher credit line in as few as six months, if you pay on time.
The Capital One® QuicksilverOne® Cash Rewards Credit Card has an annual fee of $39, which you can offset if you spend at least $2,600 each year. Benefits include no foreign transaction fees, the ability to create virtual credit card numbers when shopping online to keep your actual card number more secure, and travel-accident insurance.
The Capital One® QuicksilverOne® Cash Rewards Credit Card has a variable APR of 26.99% for purchases. That's pretty high, so you'll want to avoid overspending or carrying a balance from month to month. You'll also want to avoid paying late because the card charges a late fee of up to $39.
If you're interested in learning more, read our editorial review of the Capital One® QuicksilverOne® Cash Rewards Credit Card.
Best for no annual fee: Capital One® Platinum Credit Card
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Here's why: Annual fees are common with second-chance credit cards with no security deposit. But with the Capital One® Platinum Credit Card , you can use the card to work on improving your credit without worrying about that yearly cost.
The Capital One® Platinum Credit Card doesn't offer rewards. But if your top priority is building credit, then getting cash back, points or miles may not be an important feature for you. Like the Capital One® QuicksilverOne® Cash Rewards Credit Card, the Capital One® Platinum Credit Card offers automatic reviews for a higher credit limit in as few as six months.
The Capital One® Platinum Credit Card also has no foreign transaction fee, offers the option to create virtual credit card numbers and offers travel-accident insurance.
The Capital One® Platinum Credit Card's variable purchase APR, at 26.99%, is also high. So make sure to pay your balance in full and on time each month to avoid interest charges, or you risk a late-payment fee of up to $39.
You might still be able to qualify for the Capital One® Platinum Credit Card if you have one defaulted loan in the previous five years, but you may not get approved if you have other negative information on your credit reports.
Read Credit Karma's editorial review of the Capital One® Platinum Credit Card to find out if this card is right for you.
Best for borrowers with a bankruptcy: Indigo® Platinum Mastercard®
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