For those with a limited credit history, credit cards are a more convenient, safer spending method and help build a good credit score. Some of the best no-credit cards allow users to save as they spend and earn rewards due to zero annual fees. Melissa Hart, a senior lecturer in finance with the Poole College of Management, offered her expert insight on the benefits of no-credit cards. “In the past, not having a credit card was a challenge to complete certain transactions, such as if you wanted to rent a car or stay in a hotel,” said Hart. “Today many companies will accept Debit cards for reservations.” Read more on WalletHub.