Can You Get a Credit Card Without a Credit Score? Not having a credit history can make it harder to get approved for a credit card, but it’s not impossible. There are even certain cards designed specifically for people who have no credit score or very limited credit history. While you may face some hurdles when trying to qualify with major banks and lenders, here are some good options for getting your first credit card without needing any credit upfront.

One of the best ways to build credit from scratch is with a secured credit card. With a secured card, you put down a refundable security deposit, usually $200 or more, which becomes your credit limit. Because the security deposit reduces the risk to the lender, secured cards are much easier to approve if you have no credit history. You can shop around for card options at creditcardsexplained.com. Of course, make sure you make all your payments on time and keep your balance low. After 12-18 months of responsible use, you can often upgrade to a regular unprotected card and get your initial deposit back.

If you’re a student, check out student credit cards from major issuers like Discover, Capital One, and Bank of America. These cards are designed for students with little or no credit history, though you may need to show proof of income from employment or other sources.

Another option is to become an authorized user on someone else’s credit card with a long, positive credit history and low balances. You’re essentially piggybacking on their credit history, and their good habits will help build your credit score. See if a parent, spouse, or other trusted person will add you as an authorized user on their credit card account.