But the point is that many student cards are specifically designed for those who are just starting out with credit, meaning there may be no FICO history requirement at all. Both earn solid rewards for student cards. Store credit cards can be a bit of a double-edged sword: They tend to have lower credit rating requirements, which makes them among the best credit cards for fair credit or limited credit.
But they also typically feature lower credit limits and higher interest rates, and some can be used only within the physical or virtual walls of that particular merchant. Still, these co-branded store cards can help you build a credit history, and many have seriously upped their game in recent years in an attempt to become top-of-wallet options, with richer rewards and perks even on everyday spending outside of the brand.
Plus, there's no annual fee or store membership requirement to get it. What if you can't afford a security deposit or annual fee and aren't sure whether you have a sufficient credit history? The good news is that certain alternative credit cards may require none of the above. Instead of relying entirely on the traditional FICO scoring model, these alternative products can often use their own proprietary underwriting standards to help determine your creditworthiness.
They may, for instance, evaluate things like your income, your employer, your bank account balances and more. Instead, the issuer can weigh factors like your U. International students don't even necessarily need a Social Security number to apply. Documents such as a student visa or passport ID may suffice. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens.
We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers.
Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. You have money questions.
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Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
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LinkedIn externa link icon. YouTube externa link icon. Terms and conditions apply. No credit score? No problem. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. No deposit required. No annual fees. No international transaction fees on purchases abroad so you can travel with confidence. No Social Security Number required for international students to apply.
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Using your secured credit card helps build a credit history with the three major credit bureaus. Bank information must be provided when submitting your deposit. Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
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