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Top 5 September 2020 Soft Pull Credit Cards

When applying for a credit card, you definitely don't want your credit score to go down. However, most issuers make a credit check that results in a hard check, hard pull, or hard inquiry. It is obligatorily recorded in your credit reports and may cause your scores to drop by several points. To avoid this scenario, pay attention to credit cards without a hard pull. Below, you will find the best credit cards with a soft pull from our partners. An application for such cards won't make changes to your credit history which is especially important in case you have poor credit.

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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
$500 Unsecured Credit Limit
Instant Response
Yes
Credit Bureaus Reporting
Yes
Annual Fee
See Terms
Card Type
Unsecured Store Credit Card
Initial Credit Limit
Instant $500 Credit Line.
Instant Response
Yes
Credit Bureaus Reporting
Yes
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 Bureaus Reporting
Yes
Annual Fee
See terms
Card Type
Unsecured Store Credit Card
Initial Credit Limit
Instant $500 Credit Line.
Instant Response
Yes
Credit Bureaus Reporting
Yes
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 Bureaus Reporting
Yes

Does it make sense
to apply for A SOFT PULL CREDIT CARD?

Above you can see our top five soft pull credit card offers. In most cases, soft credit check credit card, or a soft pull, will not let you avoid a hard inquiry anyway. Typically, soft pulls are used at the pre-qualification or pre-approval stage. Cards with pre-approval or cards that allow pre-qualification is a great way to find out in advance if you have a chance of getting the chosen card or personal loan.

If you then decide to submit the final application, the issuer can make a hard pull. Of course, pre-approval does not give a 100% guarantee that the bank will make a positive decision in the end. However, it reduces the risk of denials and unnecessary hard pulls respectively.

In addition to pre-qualification and pre-approval credit card offers, there are credit cards that do not check your credit at all when you apply. This means that you can get such credit cards without a hard inquiry. As a rule, these are secured credit cards that are supported with a security deposit, so the issuer can trust you more.

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, soft credit inquiry credit cards 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
Only you can see soft pulls in your credit reports, and they don't affect your score.
Lower Risks
If the card allows pre-qualification, you can estimate your approval odds beforehand.
Credit Building
Your account activity will be reported to the major credit bureaus, which can help you build credit.
Instant Response
Credit cards that soft pull often give a very quick response on your application which reduces your waiting time.

Soft pulls vs hard pulls

As it was already mentioned above, when you apply for a credit card, issuers typically check your credit score to estimate your creditworthiness and then make a decision on your approval. The exception is credit cards with no credit check which do not require any credit check at all.

There are two types of credit check that issuers may run:

1.  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 pre-approved 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.

2.  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.

How to choose a soft pull credit card?

Now you know the difference between soft pull credit cards and hard pull credit cards. However, the main question still remains open: "How to choose the right credit card?" Before submitting an application, it is essential to familiarize yourself with the card agreement, including reading the fine print. It will help avoid pitfalls in the future. So, in addition to the type of credit pull, don't forget to pay attention to the following features as well:
Fees
This fee is charged annually for card maintenance. Therefore, the lower, the better.
0% intro APR
A secured card with a 0% intro APR period is a real godsend. Make purchases and pay no interest.
Payment Network
If you don't have much money, the minimum required deposit amount may be decisive.
Build Credit
Check if you can provide an additional deposit and ask for a credit limit increase after a while.
Checking Account Required
Credit checks affect your credit score and may slightly decrease it. No credit check - great!

Let's compare
soft pull credit cards BY MAIN FATURES:

viewing 0-0 of 0
Annual Fee
See terms
$35
See Terms
$48
See terms
$49
$36 for first year. Billed $3 per month thereafter
Monthly Membership Fee
$24.95
$0
$24.95
See terms
$24.95
N/A
See terms
Intro APR on Purchases
n/a
N/A
n/a
n/a
n/a
N/A
N/A
Ongoing APR on Purchases
0.00%
17.39% (variable)
0.00%
9.99% (Fixed)
0.00%
9.99% (V)
17.45% Variable
Initial Credit Limit
$500 Unsecured 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 $500 Credit Line.
Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.
Instant $500 Credit Line.
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Instant Response
Yes
No
Yes
No
Yes
No
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
No
No
No
Credit Repotring
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Checking Account Required
Yes
No
Yes
Yes
Yes
Yes
No
Credit Card Required
Yes
No
Yes
Yes
Yes
Yes
No
Debit Card Required
Yes
No
Yes
Yes
Yes
Yes
No
Card Type
Unsecured Store Credit Card
Secured
Unsecured Store Credit Card
Secured
Unsecured Store Credit Card
Secured
Secured
Payment System
Horizon Card Services
Visa®
Horizon Card Services
Visa®
Horizon Card Services
Mastercard®
Visa
Credit Card Usage
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Use Anywhere.
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Use Anywhere.
Use exclusively at the Horizon Outlet (thehorizonoutlet.com).
Use Anywhere.
Use Anywhere.
States Available
Any
Any
Any
Any
Any
This offer is not available in Arkansas, Iowa, New York, Wisconsin.
This offer is not available in Wisconsin.

Alternatives to soft pull credit cards

If you cannot find a suitable offer among credit cards with a soft pull, consider other options. For example, you may pay attention to 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 at all.

Another option is personal loans. With a loan, you get money in your bank account, usually within 1-2 business days, and then pay them back in equal monthly installments with added interest. Unlike debit cards, lenders submit reports to the credit bureaus which can help improve credit history. Many loans also come with soft pulls only. 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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