SaveRateAfrica Pick
⭐ Top Pick
U.S. credit builder
CHIME
Chime Credit Builder
Secured Visa
★★★★★4.8/5🇺🇸
- Get approved with no credit check
- Build your credit score fast
- No annual fee
Check if you qualify
No impact to your credit score
257Nigerians checked this week
Get Approved for a Credit Card in the US — Even with No Credit History
Build your credit and earn rewards while sending money to Nigeria
Soft check only — will not affect your credit score
No credit history required
Fast approval decisions
Trusted by Nigerians in 🇺🇸
⭐ 4.8/5 average card rating
⚡ Approval in as fast as 2 mins
🔒 Soft check only
🔒 256-bit Secure🏦 FDIC-Insured Partners📋 No Hard Inquiry
Most Recommendedfor Beginners & No Credit History
SaveRateAfrica Pick
U.S. credit builder
DISCOVER
Discover it
Secured Card
★★★★½4.7/5🇺🇸
- Automatic upgrade review after 7 months
- Earn cashback on daily spending
- Build credit safely
Check if you qualify
No impact to your credit score
SaveRateAfrica Pick
U.S. credit builder
CAPITAL ONE
Capital One Platinum
Secured
★★★★½4.5/5🇺🇸
- Low deposit options
- Increase limit after 6 months
- Trusted US issuer
Check if you qualify
No impact to your credit score
SaveRateAfrica Pick
U.S. credit builder
PETAL 2
Petal 2
Visa
★★★★½4.6/5🇺🇸
- Approval based on income, not score
- No fees of any kind
- Cashback rewards on purchases
Check if you qualify
No impact to your credit score
FAQs
Do I need a Social Security Number?
Most cards accept an ITIN. Chime and Petal 2 are ITIN-friendly options.
Will checking my eligibility hurt my credit?
No. All checks on this page are soft inquiries and will not affect your score.
How long does it take to build credit?
Most users see score movement within 3-6 months of consistent on-time payments.
Which card is best if I just arrived in the US?
Chime Credit Builder is the most accessible — no credit check, no minimum score required.
Compare Approval Chances ★★★★★
| Card name | Logo | Stars | Best for | Credit needed |
|---|---|---|---|---|
| Chime | chime | ★★★★★ | Beginners | None |
| Discover | discover | ★★★★½ | Building history | None |
| Capital One | capital one | ★★★★ | Beginners + poor | None |
| Petal 2 | petal | ★★★★½ | Income earners | None |
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