ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
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 impacts 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.

Show more

Top Soft Pull Card

BEST CHOICE OF March 2024

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

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

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.

Show more
Apply for Arro Card - Credit-Land.com

Rating 3.5

APPLY NOW

All Credit Types Accepted

our choice

Regular APR
16% Variable
Annual Fee
$36; $12 for the 1st year
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
Yes
  • All credit types accepted.
  • Arro's soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Unsecured Credit Card

Apply for The Self Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 3.4

APPLY NOW

Limited / No Credit

our choice

Regular APR
29.24% (Variable)
Annual Fee
$25
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Your next tool for building credit!

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
Yes
  • 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

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
No
  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Receive a $750 Credit Line*
  • Easy Application with Immediate Results
  • No Credit Check
  • *usable only at theHorizonOutlet.com

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

No Credit Check

our choice

Regular APR
25.24% (V)
Annual Fee
$29
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • 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

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for BOOST Platinum Card - Credit-Land.com

Rating 3.5

APPLY NOW

Damaged credit to Fair credit

our choice

Regular APR
None
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
No
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
N/A

Ongoing APR on Purchases:
None

Instant Response

No Credit Check

Apply for Masseys Credit Card - Credit-Land.com

Rating 3.5

APPLY NOW

Excellent / Good / Fair / Bad Credit

our choice

Regular APR
See terms
Annual Fee
$0
Credit Check
Yes
Instant Response
Yes
Credit Bureaus Reporting
No
  • 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

Annual Fee: $0

Instant Response

Apply for Accepted Platinum Card - Credit-Land.com

Rating 4.4

APPLY NOW

Any Credit
This offer is not available in Indiana, Vermont, Wisconsin.

our choice

Regular APR
0%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
Yes
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now Pay Later
  • Low monthly payments.
  • 0% Financing on brand name products exclusively at our online store.
  • Rewards Every Month!

our choice

0% APR on Purchases

Intro APR on Purchases:
N/A

Ongoing APR on Purchases:
0%

Rewards

Get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways!

Instant Response

Guaranteed Approval

Apply for Unique Platinum - Credit-Land.com

Rating 3.7

APPLY NOW

Any Credit Welcome
This offer is not available in Indiana, Vermont, Wisconsin.

our choice

Regular APR
0%
Annual Fee
See Terms
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
No
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • *See terms and conditions

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

Apply for Perpay - Credit-Land.com

Rating 4.1

APPLY NOW

Any Credit

our choice

Regular APR
0%
Annual Fee
$0
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • 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.

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Build Credit

Shop and build credit by 36 points on average.

our choice

Regular APR
29.99% (variable)
Annual Fee
$0
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • 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? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • 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
  • Offer 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 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Regular APR
25.64% (variable)
Annual Fee
$35
Credit Check
No
Instant Response
No
Credit Bureaus Reporting
Yes
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • 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
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Next Millennium - Credit-Land.com

Rating 3.8

APPLY NOW

Bad/No Credit

our choice

Regular APR
0%
Annual Fee
N/A
Credit Check
No
Instant Response
Yes
Credit Bureaus Reporting
Yes
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!

our choice

0% APR on Purchases

Intro APR on Purchases:
N/A

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

Reporting to the Major Consumer Reporting Agencies

Apply for Applied Bank® Secured Visa® Gold Preferred® Credit Card - Credit-Land.com

Rating 3.5

APPLY NOW

Poor/Fair/Limited/Damaged
This offer is not available in West Virginia.

our choice

Regular APR
9.99% Fixed
Annual Fee
$48
Credit Check
No
Instant Response
Yes
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

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

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.

Show more

comments ABOUT
SOFT PULL CREDIT CARDS🜂

must read FEATURED NEWS
AND RELATED RESEARCH

News: Bilt's New Elite Status Program - Credit-Land.com
Feb 27, 2024

Bilt's New Elite Status Program

Bilt's very first elite status program has been around for a couple of years already. It gives...

Discover it® Secured Credit Card Review: Build, Earn, Upgrade

Discover it® Secured Credit Card Review: Build, Earn, Upgrade

The Discover it® Secured Credit Card stands out among other secured credit cards. It has no annual...

EXPLORE
MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

By providing my email information, I authorize Credit-Land to email me regarding products and services Credit-Land provides. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive emails from Credit-Land.

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!