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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.

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Apply for Horizon Gold - Credit-Land.com APPLY
Bad/No Credit

Top Soft Pull Card

BEST CHOICE OF October 2020

Rating 3.8

  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

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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our choice

Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Merit Platinum Card - Credit-Land.com

Rating 3.5

APPLY

Fair/Bad/No Credit

our choice

Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
Yes
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check
  • Instant $500 Credit Line.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
Yes
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Regular APR
9.99% (V)
Annual Fee
$49
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

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 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
What'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
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

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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comments ABOUT
SOFT PULL CREDIT CARDS

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