Credit Card Applications
No Credit Check Credit Cards Comparison

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Top 5 April 2024 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 fair. Moreover, when you apply for a credit card, the bank typically makes a credit check that results in 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.

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	#2 credit card	#3 credit card	#4 credit card	#5 credit card
Chime Secured Credit Builder Visa^® Credit Card	OpenSky® Secured Visa® Credit Card	Freedom Gold Card	The Self Visa^® Credit Card	First Progress Platinum Select Mastercard® Secured Credit Card

apply now	apply now	apply now	apply now	apply now

Annual Fee
$0	$35	See website for Details*	$25	$39
Card Type
Secured	Secured	Unsecured Store Credit Card	Secured	Secured
Initial Credit Limit
See terms	Fund your card with a low $200 refundable security deposit to get a $200 credit line	$750 Limit (Usable only at TheHorizonOutlet.com)	The minimum credit limit is $100.	Choose your own credit line - $200 to $2000 – based on your security deposit
Instant Response
Yes	No	Yes	No	No
Credit Pull
Soft Pull	Soft Pull	Soft Pull	Soft Pull	Soft Pull

apply now	apply now	apply now	apply now	apply now

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 hard pulls in your credit reports that could affect your 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

No credit check credit cards often give a 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 may affect your credit score and stay 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 compared to your current debt). 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. This may vary from state to state.

Verifiable 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

To apply for a U.S. credit card, you need to be a U.S. citizen or resident with a SSN and street address.

No Bankruptcy

You shouldn't currently be going through the bankruptcy process or have a non-discharged bankruptcy.

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

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Apply for Chime Secured Credit Builder Visa® Credit Card Application - Credit-Land.com

Compare

apply now

#1 OFFER

Apply for OpenSky® Secured Visa® Credit Card Application - Credit-Land.com

Compare

apply now

Apply for The Self Visa® Credit Card Application - Credit-Land.com

Compare

apply now

Apply for Group One Platinum Card Application - Credit-Land.com

Compare

apply now

Apply for OpenSky® Plus Secured Visa® Credit Card Application - Credit-Land.com

Compare

apply now

Apply for Vast Platinum Application - Credit-Land.com

Compare

apply now

Apply for First Progress Platinum Select Mastercard® Secured Credit Card Application - Credit-Land.com

Compare

apply now

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

Compare

apply now

Apply for Freedom Gold Card Application - Credit-Land.com

Compare

apply now

Annual Fee

$35

$25

See website for Details*

See terms

$39

$48

See website for Details*

Monthly Membership Fee

See terms

See website for Details*

See terms

$19.95

$39

See terms

See website for Details*

Intro APR on Purchases

N/A

See terms

n/a

N/A

n/a

N/A

n/a

Ongoing APR on Purchases

25.64% (variable)

29.24% (Variable)

29.99% (variable)

19.24% (V)

9.99% Fixed

Initial Credit Limit

See terms

Fund your card with a low $200 refundable security deposit to get a $200 credit line

The minimum credit limit is $100.

$750 Unsecured Credit Limit*

Secure your credit line with a refundable security deposit - as low as $300.

$1,000 Credit Line

Choose your own credit line - $200 to $2000 – based on your security deposit

Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.

$750 Limit (Usable only at TheHorizonOutlet.com)

Instant Response

Yes

No Credit Check

Yes

Soft Pull

Yes

Guaranteed Approval

Yes

Credit Repotring

Yes

Checking Account Required

Yes

Credit Card Required

Yes

Debit Card Required

Yes

Card Type

Secured

Unsecured Store Credit Card

Secured

Unsecured Store Credit Card

Secured

Unsecured Store Credit Card

Payment System

Visa®

Visa^®

Horizon Card Services

Visa®

My Unique Outlet

Mastercard®

Visa®

Horizon Card Services

Credit Card Usage

Use Anywhere

Use anywhere Visa^® is accepted

Use exclusively at the Horizon Outlet (thehorizonoutlet.com).

—

My Unique Outlet

Use Anywhere

Use exclusively at the Horizon Outlet (thehorizonoutlet.com).

States Available

Any

This offer is not available in West Virginia.

Any

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 to pay with 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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Top 5 April 2024 no credit check credit cards

#1 credit card

#2 credit card

#3 credit card

#4 credit card

#5 credit card

Why choose
a credit card WITH NO CREDIT CHECK