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

You may want to get a no credit check credit card when you know your credit is bad or you have no credit history whatsoever. Applying for credit cards with no credit check will help you dodge a hard pull on your credit report and avoid impact to your credit scores. Among no credit check cards, you will see secured credit cards and unsecured cards. The best will have low fees and reward you for card purchases in addition to other standard credit card benefits.

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Our Choice for
May 2024

NO CREDIT CHECK & CASH BACK

Rating 4.9

  • 1% Cash back on Debit Card purchases with qualifying activity. See website for details
  • No minimum opening deposit and no minimum balance
  • Early paycheck access; up to 2 days early

our choice

Great Rewards
Rewards on Everyday Purchases
1% Cash back on Debit Card purchases with qualifying activity. See website for details
No Credit Check
Instant Response
No
Guaranteed Approval
Yes!
Credit Check
No
Overdraft Available
Overdraft Available
Yes
Overdraft Fee
$0
Maximum Overdraft Limit
See terms

Choosing a No Credit Check Credit Card

Credit cards with no credit check do not perform a hard inquiry, which makes it easier to qualify for them despite poor credit history. Such cards usually have higher interest rates, fees, and may require you to pay an upfront deposit. If you cannot deposit around $200 or more, look for unsecured no credit check credit cards. If you would like to earn rewards on your purchases, a card with bonus rewards may be a good option for you. Choose the card based on your needs and current financial situation to make sure you'll be able to build your credit.

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our choice

Rating 4.1

  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
0%
Late Payment Fee
See terms
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere

our choice

Rating 3.7

  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

our choice

Up to
10%
Cash Back
Max. Rewards
New feature! Earn up to 10% cash back on everyday purchases
Rewards on everyday purchases
New feature! Earn up to 10% cash back on everyday purchases
Redemption Options
See terms
Credit Line from
$200
Security Deposit
$200
Credit Line
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Credit Line Increase
Get considered for a credit line increase after 6 months, with no additional deposit required
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
25.64% (variable)
Annual Fee
$35

our choice

Rating 3.4

  • Your next tool for building credit!
  • The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa® credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

$100
Credit Limit
Security Deposit
$100
Credit Line
The minimum credit limit is $100.
Credit Line Increase
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit
Yes
Credit Line
The minimum credit limit is $100.
Card Usage
Use anywhere Visa® is accepted
Reporting
to the Major Consumer
Reporting Agencies
Build Credit
Your next tool for building credit!
Card Usage
Use anywhere Visa® is accepted

our choice

Rating 4.9

  • 1% Cash back on Debit Card purchases with qualifying activity. See website for details
  • No minimum opening deposit and no minimum balance
  • Early paycheck access; up to 2 days early
  • Fee free overdraft protection
  • No fees
  • eWallet compatible (Apple, Google, Samsung)
  • Large ATM network
  • Mobile check deposit
  • Online bill pay
  • Peer-to-peer payments via Zelle.
  • FDIC Insured

our choice

Great Rewards
Rewards on Everyday Purchases
1% Cash back on Debit Card purchases with qualifying activity. See website for details
No Credit Check
Instant Response
No
Guaranteed Approval
Yes!
Credit Check
No
Overdraft Available
Overdraft Available
Yes
Overdraft Fee
$0
Maximum Overdraft Limit
See terms

our choice

Rating 4.0

  • New feature! Earn up to 10% cash back on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
29.99% (variable)
Balance Transfer Fee
N/A
Late Payment Fee
Up to $40
Up to
10%
Cash Back
Max. Rewards
New feature! Earn up to 10% cash back on everyday purchases
Rewards on everyday purchases
New feature! Earn up to 10% cash back on everyday purchases
Redemption Options
See terms
Build Your Credit
Build Credit
Yes
Credit Bureau Reporting
Yes
Credit Check
No

our choice

Rating 3.8

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Credit Line from
$200
Security Deposit
Up to $2,000 (subject to credit approval).
Credit Line
Choose your own credit line - $200 to $2000 – based on your security deposit
Credit Line Increase
See terms*
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No
Up to
1%
Cash Back
Max. Rewards
1% Cash Back Rewards on payments

our choice

Rating 3.5

  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

our choice

9.99%
APR on Purchases
Annual Fee
$48
Regular APR
9.99% Fixed
Late Payment Fee
Up to $38
Credit Line from
$200
Security Deposit
$200
Credit Line
Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.
Credit Line Increase
Increase Your Credit Limit up to $5,000
Instant Response
Instant Response
Yes
Card Network
Visa®
Credit Check
No
Apply for Freedom Gold Card - Credit-Land.com APPLY NOW

Damage credit to Fair credit

our choice

Rating 3.5

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
  • *See site for details

our choice

0%
APR on Purchases
Annual Fee
See website for Details*
Regular APR
0%
Late Payment Fee
See website for Details*
$750
Credit Limit
Security Deposit
No
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Credit Line Increase
See terms
Instant Response
Instant Response
Yes
Card Network
Horizon Card Services
Credit Check
No

questionsABOUT
NO CREDIT CHECK CARDS

Can you get a credit card without a hard pull?

Yes, there are no credit check credit cards you can get without hurting your credit scores. These cards can be as secured as unsecured credit cards. Secured credit cards are easier to qualify for as...

Read more
Can I get a credit card without a checking account?

Yes, you can get a credit card without a checking account. When you go through a credit card application process where a credit check is performed, the issuer verifies your income information,...

Read more
What does no credit check mean when I apply for a credit?

Sometimes when you apply for a credit card or a loan, you may see offers with no credit check. No credit check means that when you submit your application the issuer will not perform a hard pull to decide whether you...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

no credit check CREDIT
CARD 101

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.

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commentsABOUT
NO CREDIT CHECK CARDS🜂

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