Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
February 2025: 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.
Our Choice for
February 2025
NO CREDIT CHECK & CASH BACK
Our Choice for
February 2025
NO CREDIT CHECK & CASH BACK
- 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
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.
Show moreour choice
our choice
our choice
our choice
our choice
our choice
our choice
our choice
our choice
our choice
our choice
our choice
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 moreCan 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 moreWhat 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 moreno 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.