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Top 5 January 2021 no credit check credit cards

Submitting an application for a credit card is always fraught with intrigue. You never know for sure whether the issuer will consider you creditworthy and whether you will be approved in the end. Especially if your credit is limited, bad or even fair. Moreover, when you apply for a credit card, the bank typically makes a credit check that brings about a hard pull which may lower your credit scores a bit. Fortunately, there are credit cards that don't check applicants' credit at all. Look at the best credit cards with no credit check from our partners below.

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The offers presented on the page are intended for applicants with limited credit. If you have good/excellent credit, click here to see suitable offers.

#1 Credit Card

Annual Fee
See terms
Card Type
Unsecured Store Credit Card
Initial Credit Limit
$750 Unsecured Credit Limit
Instant Response
Yes
Credit Pull
Soft Pull
Annual Fee
See terms
Card Type
Unsecured Store Credit Card
Initial Credit Limit
Instant Approval / $750 Credit Line!
Instant Response
Yes
Credit Pull
Soft Pull
Annual Fee
$35
Card Type
Secured
Initial Credit Limit
The refundable deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
Instant Response
No
Credit Pull
Soft Pull
Annual Fee
$48
Card Type
Secured
Initial Credit Limit
Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.
Instant Response
No
Credit Pull
Soft Pull
Annual Fee
See terms
Card Type
Unsecured Store Credit Card
Initial Credit Limit
$1,000 Credit Line
Instant Response
Yes
Credit Pull
Soft Pull

Why choose
a credit card WITH NO CREDIT CHECK

Above, you can see our top 5 no credit check credit card offers. They include both secured credit cards with no credit check and no credit check no deposit credit card. These credit cards do not check your credit at all when you apply. This means that you can get such no credit check secured card or no credit check unsecured card without a hard inquiry. Therefore, you will see no records in your credit reports and no drops in your credit scores.

If your credit history is not perfect and you don't want to risk and make your situation worse by lowering your credit rate with hard pulls, credit cards for no credit check can be a great choice for you. Moreover, this credit card type can boast many advantages:

Credit Card
Once you get approved, you receive a credit line that you can use for purchases.
No Impact on a Credit Score
No credit check means no records in the credit reports and no changes to credit scores.
Lower Risks
With no credit check card, it is less risky to get rejected because of bad credit.
Credit Building
Your account activity will be reported to the major credit bureaus, which can help you build credit.
Instant Response
Credit cards with no credit check often give a very quick response on your application which reduces your waiting time.

Types of credit check

As it was already mentioned, when you apply for a credit card, issuers typically check your credit reports to estimate your creditworthiness and then make a decision on your approval. There are several types of credit check that issuers may run:

HARD PULL

Basically, most credit card applications, including cash back credit cards, travel credit cards, and 0% intro APR credit cards, ultimately lead to a hard pull, or a hard inquiry. If an issuer makes a hard pull, you will always see it reflected in your credit reports. This type of inquiry does affect your credit score and stays in the reports for 2 years. If you submit too many applications for credit cards or personal loans within a short period, it may significantly lower your scores.

SOFT PULL

A soft pull, also known as a soft inquiry, does not affect your credit score at all. Issuers don't have to ask for your permission to make it, so a soft inquiry is often a case when you get preapproved credit card offers. If you receive an email stating you got pre-approved, it means that the bank has already run a soft pull. Soft inquiries also take place when you yourself check your credit score. Such inquiries are not visible in your reports to anyone except you.

NO CREDIT CHECK

The most enticing and most uncommon type is when issuers make no credit check at all. They just take time to verify your identity and look through some other important factors. This involves neither hard nor soft pulls. As a rule, a no credit check card is a no credit check secured credit card. Such cards are supported with a security deposit, so the issuer can trust you more.

How to get a credit card with no credit check?

No credit check credit cards look rather attractive. Especially for those whose credit scores are not as perfect. Indeed, if approved, you receive a credit card without hard pull and can boldly use your new credit line for purchases.

However, it doesn't mean that no credit check card issuers have no requirements for applicants at all. It still may be challenging to get a credit card with no credit check. Banks may easily reject your application in case they cannot verify your identity or check your income (or it turns out to be too small). Familiarize yourself with the requirements that you most often need to fulfill in order to get approved for such credit cards:
Legal Age
To open any credit account in your name, you need to be at least 18 years old. The age may vary from state to state.
Proved Income
The issuer will surely check your earnings. Thus, make sure you can show some kind of stable income.
Bank Account
Most credit cards require applicants to have a checking account or at least a debit or credit card.
U.S. Citizenship or Residence
to apply for a U.S. issued credit account, you need to be a U.S. citizen or resident with an actual home address.
No Active Bankruptcy
You shouldn't currently go through the bankruptcy filing process or have a non-discharged bankruptcy as well.

Let's compare credit cards
with no credit check BY MAIN FATURES:

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Annual Fee
See terms
See terms
$35
$48
See terms
See terms
$39
Monthly Membership Fee
$24.95
$14.95
$0
See terms
$19.95
See website for Details*
$39
Intro APR on Purchases
n/a
n/a
N/A
N/A
n/a
n/a
N/A
Ongoing APR on Purchases
0.00%
0.00%
17.39% (variable)
9.99% (Fixed)
0%
0.00%
13.99% (V)
Initial Credit Limit
$750 Unsecured Credit Limit
Instant Approval / $750 Credit Line!
The refundable deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.
$1,000 Credit Line
$750 Limit
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
Instant Response
Yes
Yes
No
No
Yes
Yes
No
No Credit Check
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Soft Pull
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Guaranteed Approval
No
No
No
No
Yes
No
No
Credit Repotring
Yes
Yes
Yes
Yes
No
Yes
Yes
Checking Account Required
Yes
Yes
No
Yes
Yes
Yes
Yes
Credit Card Required
Yes
Yes
No
Yes
Yes
Yes
Yes
Debit Card Required
Yes
Yes
No
Yes
No
Yes
Yes
Card Type
Unsecured Store Credit Card
Unsecured Store Credit Card
Secured
Secured
Unsecured Store Credit Card
Unsecured Store Credit Card
Secured
Payment System
Horizon Card Services
Horizon Card Services
Visa®
Visa®
My Unique Outlet
Horizon Card Services
Mastercard®
Credit Card Usage
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
My Unique Outlet
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Use Anywhere.
States Available
Any
Any
Any
This offer is not available in West Virginia.
Any
Any
This offer is not available in Arkansas, Iowa, New York, Wisconsin.

Alternatives to no credit check credit cards

If you cannot find a suitable offer among credit cards with no credit check, consider other options. For example, you may pay attention to credit cards with soft pull, which also don't leave hard inquiry records in your reports, or to prequalified/preapproved credit card offers.

Another option is prepaid debit cards. Of course, they will not help you build credit since they do not report to the credit bureaus. Nevertheless, they can also be a good alternative to cash as they are quite convenient for paying for purchases and bills. Moreover, your credit reports typically won't be checked as well. All in all, whatever you choose, make sure that the terms correspond to your expectations and you are able to make all the necessary payments on time.

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