Credit Cards for No Credit

Build your credit with a Partner’s Financial Visa Credit Card

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A secured Visa Credit card is an effective way to establish and build a credit history that will help you achieve your goals and dreams for the future.


No Inconvenient Fees

No application, annual, or balance transfer fees

Take It Everywhere

Accepted worldwide, you can pay your bill or check your balance and transaction history with mobile and online banking

25 Day Grace Period

Pay all of your bill on time and avoid being charged interest on purchase transactions

Build Credit

Improve your credit by making timely, accurate payments on your balance. You’ll have an easier time qualifying for rewards and unsecured credit cards in the future, as well as getting preapproval for auto, home, and personal loans


Enjoy Low, Fixed Rates

SecuredFixed8.85%$0Establishing or rebuilding credit

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“I love banking with Partners Financial Federal Credit Union. I’ve been a member since 1990. They offer excellent rates on credit cards and loans.”

– Katerina M.


Other Visa Credit Cards

Both our Visa Platinum Card and Platinum Rewards Card give members the spending power and benefits they need for a better buying experience. Choose what works for you: keep it simple with a Visa Platinum or earn cash back rewards and more with Platinum Rewards.

Visa Platinum Card

8.85% – 17.90% APR* with no balance, application, or annual fees.


Learn More

Visa Platinum Rewards Card

9.85% – 17.90% APR. Earn rewards points that you can redeem for cash, travel, and gift certificates.


Learn More

*Annual Percentage Rate (APR). APR is based on your overall financial profile, including your credit history.
It’s assessed 1% higher on rewards cards. Rates subject to change and terms and conditions apply. For full details, please consult with a loan officer.


Credit Cards for No Credit FAQs

How can I build credit with a credit card?

There are a variety of factors that have an impact on your credit score, including credit usage. That’s why you should consider building your credit history with a credit card.

Learn more here.

How long does it take to get a credit card?

The application process can be pretty fast, although the approval process can take a bit more time. Try to gather all the relevant information before you begin applying to help things go even quicker. We have more information on the credit card application and approval process here.

Is there an introductory rate?

No, there is no intro APR for our cards for building credit. We don’t offer you a low rate only at the very beginning. Instead, we give you a low rate that you can take advantage of throughout the life of your credit card. Don’t worry about your interest rates changing suddenly after 6 or 12 months.

What happens if my card is lost, stolen, or damaged?

We will replace your card in the event that it is lost, damaged, or stolen. There may be a replacement fee, depending on the circumstances.

What are my options if I don’t have the funds to secure a credit card?

If you can’t make a cash deposit to guarantee your credit line, adding a co-signer or opening a joint credit card might be good options to help you establish your credit.


You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).