Getting a credit card with no credit history can be difficult if you are not a college student. I have found that around the ages of 18 to 22 banks are more lenient towards applicants having no credit history but it gets tougher after that. As counterintuitive as it may seem, you may have an easier time getting approved as an 18 year old with no credit history than a 27 year old with no credit history.sf
My recommendations for you would be either of the following routes:
- Secured card - The majority will have guaranteed acceptance assuming you are a U.S. citizen with a valid U.S. address. The card is reported in the same manner as if it were a regular unsecured card. Get one and then try re-applying for a starter unsecured card in around 9 months. This would be the easiest way to get a credit card with no credit history but potentially may be more costly due to fees.
- Cards for fair credit - This category caters to those with limited credit history and/or bad credit history. Approval is not guaranteed but I'm sure acceptance will be less stringent than the Chase Freedom, which is an upper-tier credit card.
Below you will find Credit Card Forum's sponsored sections on each type:Best secured credit cards to build creditBest credit cards for fair credit
I believe either of these routes will be the best way to get approved for a credit card with no credit history.