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Best Cards with Soft Credit Check from Our Partners
When you apply for a credit card, the issuer performs credit pulls, which can be hard pulls or soft pulls. A soft pull (or a soft credit check) does not affect your credit scores, while a hard pull may take a few points off your credit scores. Soft pull credit cards are great when you have bad credit and want to apply for a new credit card without affecting your credit score. Here you will find some of the popular soft pull credit cards from our partners.
Top Soft Pull Card
BEST CHOICE OF April 2024
- 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
Best Soft Pull Credit Cards
A credit card application usually results in a hard inquiry on your credit report. However, there are credit cards that require only a soft inquiry. The soft inquiry does not affect your credit, so you don't have to worry about your credit score if you apply for several cards. Many soft pull credit cards are secured credit cards, meaning your line of credit is based on a security deposit you put down. Below you will find soft pull credit card options available online.
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- 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.
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our choice
- Buy Now and Pay Later with Masseys Credit
- Grow your credit with responsible use
- Masseys Credit Lines Up To $500!
- No annual fee
- Payments as little as $5.99 per month
- Conventient online account access
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our choice
- 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.
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- 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.
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our choice
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- No Employment or Credit Check
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our choice
- $1000 Credit Limit
- No Credit Checks
- Instant Approval
- 0% Financing
- No application denied for bad credit!
- *See terms and conditions
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- Unlock a $1,000 average Spending Limit instantly.
- Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
- No interest, fees, or credit check.
- Pay over time with easy payments from your paycheck.
- Shop and build credit by 36 points on average.
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our choice
- 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
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- 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
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our choice
- Enjoy a $1,000 Credit Line!
- No Credit Checks & No Credit Turndowns!
- Buy Now...Pay Later!
- Low Monthly Payments!
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questions ABOUT
CREDIT CARDS
What's the difference between pre-qualified and pre-approved?
When you apply for a credit card or loan, both terms - pre-approved and pre-qualified - often mean the same: you have been pre-screened and may qualify for a credit card or loan. As a rule, prequalification means...
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 moreWhat's the difference between hard and soft credit inquiries?
Lenders and creditors can check your credit reports and this credit inquiry may or may not be recorded on your credit reports. There are two types of credit inquiries - hard and soft. A hard inquiry (or a hard pull)...
Read more
what is a SOFT
CREDIT CHECK?
A soft credit check (which is also called a soft inquiry or soft pull) typically occurs when a company or a person checks your credit for informational purposes. For example, every time you request a copy of your credit reports and credit scores, you perform a soft pull. Also, the soft pull is performed when a credit card issuer checks your credit without your permission to see if you qualify for certain credit card offers.
Soft inquiries do not affect your credit scores, but you may see them on your credit reports (not all credit bureaus record soft pulls in credit reports). Soft inquiries are not connected to a specific application for new credit, therefore, issuers won't see them when they check your credit. Only you can see soft inquiries on your credit reports.
What is a hard inquiry?
A hard inquiry (or hard pull) usually occurs when a credit card issuer or a lender checks your credit to make a lending decision. Thus, when you apply for a credit card, loan, or mortgage, the lender will perform a hard pull in most cases. As a rule, you have to authorize a hard pull.
The hard inquiry becomes a part of your credit report and anyone who requests your credit report can see it. The more hard inquiries you have the more they affect your credit score and your ability to qualify for new credit. But still, hard inquiries do not play a huge role in the credit approval process, and the damage to your credit scores decreases over time.
While hard inquiries do not sound that bad, you may still not want to see them on your credit reports. When lenders or credit card issuers see multiple credit inquiries in a relatively short period, they may think you are a higher-risk customer.
Advantages of a soft credit check
Generally speaking, soft inquiries will be beneficial in two cases only. The first is when you have bad credit and your credit score is very low and you are unlikely to be approved for a credit card from issuers that check credit. A credit card with the soft pull can be an alternative while you are improving your credit score. And the second is when you have zero credit history and looking for your first credit card, a credit card with a soft pull can be a good start.
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SOFT PULL CREDIT CARDS🜂
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