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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.

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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Top Soft Pull Card

BEST CHOICE OF February 2025

Top Soft Pull Card

BEST CHOICE OF February 2025

Rating 3.8

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

our choice

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

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

Rating 4.1

  • To apply for Credit Builder, you must have an active Chime® Checking Account.
  • 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.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • 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., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • 1Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
  • *Based on a representative study conducted by Experian® in January 2024, members who made their fi rst purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
  • 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 agreement 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 everywhere Visa credit cards are accepted.

our choice

Rating 3.4

  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • Apply Now: Intro No Annual Fee with the Self Card^
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
  • *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change. The secured Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., each Member FDIC.
  • ^$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.

our choice

$100
Credit Limit
Security Deposit:
$100 minimum security deposit*
Credit Line:
The minimum credit limit is $100.
Credit Line Increase:
Starts at $100 and is equal to your deposit
Build Your Credit
Build Credit:
Yes
Credit Line:
The minimum credit limit is $100.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
Card Usage:
Your card can be used everywhere Visa® credit cards are accepted in the U.S.

our choice

Rating 3.8

  • Enjoy a $1,000 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly payments.
  • No Credit Checks & No Credit Turndowns.
  • No Application Denied for Poor Credit.
  • Reward Yourself With the Benefits of Credit!
  • Buy Now... Pay Later!

our choice

0%
APR on Purchases
Annual Fee:
See terms
Regular APR:
0%
Late Payment Fee:
See terms
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
$1,000
Credit Line Increase:
See terms
No Credit Check
Card Network:
My Unique Outlet
Card Type:
Unsecured Store Credit Card
Regular APR:
0%
Annual Fee:
See terms

our choice

Rating 3.5

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Limit (Usable only at TheHorizonOutlet.com)

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 Unsecured Credit Limit*
Credit Line Increase:
See website for Details*
Instant Response
Instant Response:
Yes
Card Network:
Horizon Card Services
Credit Check:
No
Apply for Masseys Credit Card - Credit-Land.com APPLY NOW

Excellent / Good / Fair / Bad Credit

our choice

Rating 3.5

  • 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

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
See terms
Late Payment Fee:
Up to $15.00
$500
Credit Limit
Security Deposit:
No
Credit Line:
$500
Credit Line Increase:
See terms
Instant Response
Instant Response:
Yes
Card Network:
Masseys®
Credit Check:
Yes

our choice

Rating 4.4

  • Excellent option for a low fully refundable security deposit, get started with just $100
  • Earn up to 10% cash back on everyday purchases
  • Minimum payment as low as $10
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • 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
  • 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

Up to
10%
Cash Back
Max. Rewards:
Earn up to 10% cash back on everyday purchases
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Visa® is Accepted
Credit Check:
No
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
No
Credit Check:
No

our choice

Rating 4.4

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Access to your Credit Score
  • The Imagine Card is issued by Webbank.
  • See Cardholder Agreement for important information about terms.
  • *See Program Terms for important information about the cash back rewards program.
  • **Zero liability subject to Visa’s Zero Liability Policy.
  • Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.

our choice

Earn Up to
3%
Cash Back
Max. Rewards:
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on Everyday Purchases:
Earn 1% Cash Back Rewards* on all other eligible purchases
Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
$0 fraud liability**
Credit Line Increase:
See terms
Instant Response
Instant Response:
Yes
Card Network:
Visa®
Credit Check:
Yes

our choice

Rating 3.9

  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
  • View Product Disclosures

our choice

0%
APR on Purchases
Annual Fee:
$0
Regular APR:
0.00%
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
0.00%
Annual Fee:
$0

our choice

Rating 4.4

  • 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:
28.99% (variable)
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $41
Up to
10%
Cash Back
Max. Rewards:
New feature! Earn up to 10% cash back on everyday purchases
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
Apply for BOOST Platinum Card - Credit-Land.com APPLY NOW

Damaged credit to Fair credit

our choice

Rating 3.5

  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0%
APR on Purchases
Annual Fee:
See website for Details*
Regular APR:
None
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 website for Details*
Instant Response
Instant Response:
Yes
Card Network:
Horizon Card Services
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

our choice

Rating 4.1

  • 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
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:
24.64% (variable)
Annual Fee:
$35
SHOW MORE CARDS

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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