April 2024: Best Credit Cards With No Credit Check From Our Partners

While there are not many no credit check credit cards, you still have options to choose from. However, before you compare them, it's important to know what card details and features to keep an eye out for. To find the best no credit check credit card for people with bad credit, you need to focus on finding the card that will help you improve your credit while charging low to no fees. Use the characteristics below to help you narrow the choice down to one or two potentially best credit cards for you.

Here's what to consider when looking for a no credit check credit card:

- Credit reporting: When you build your credit history, you will want your credit activity to be reported to all three major credit bureaus: TransUnion, Equifax, and Experian. Having your credit activity reported to one or two credit bureaus is also good and can be helpful.

- Secured vs. unsecured: Secured credit cards are usually easier to qualify for because of a security deposit that is required to be paid upfront. Plus, credit limits on a secured credit card are usually tied to a security deposit you pay. Whereas unsecured credit cards usually allow more freedom with credit limits.

- Low security deposit: If you decide in favor of a secured credit card, look for the options with a low security deposit. Typically, deposits range from $200 to $300, but some secured cards may require a lower down payment, depending on your creditworthiness. Security deposits are usually refundable.

- Annual and/or monthly fees: Credit cards for people with poor credit may come with hefty fees. Try to avoid as many fees as you can. Typically, you have some no annual fee options with no credit check credit cards. Sometimes an annual fee is worth it, though.

- Interest rates: Typically, you won't want to carry any balance on your credit card when your credit is bad. First, because annual percentage rates (APRs) are too high, and second, because you want to build your credit, and not make it worse. If you are not planning to pay off the card balance in full each month, look for the lowest possible APR for a no credit check credit card.

- Rewards earning: Not all credit cards with no credit check will offer rewards, but it doesn't mean such offers are nonexistent. When you choose a credit card with a rewards program, keep in mind that your main goal is to build your credit history.

Some alternatives to no credit check credit cards can be credit builder accounts, store credit cards, or you can become an authorized user on someone else's credit card. If you want to upgrade to a better credit card, but have doubts, see if there are cards you can pre-qualify for. Many major credit card issuers have prequalification tools on their websites allowing you to see your options without impacting your credit score.