This card doesn’t earn any rewards.
The best credit cards with no credit check don’t require a hard inquiry on your credit to qualify. Some don’t check your credit at all while others do a soft pull, but a soft pull won’t negatively impact your credit score. Most of these cards carry high interest rates and some require a minimum security deposit to open an account. All of these cards provide a way for you to effectively build or rebuild your credit score with responsible use.
Here’s a list of our top picks for credit cards that don’t require a credit check.
This card doesn’t earn any rewards.
More card info
This card doesn’t earn any rewards.
More card info
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.
Self Visa® Credit Card issued by Lead Bank or SouthState Bank, N.A., each Member FDIC. See self.inc for details.
*Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.com/pricing
Earn up to 10% cash back on everyday purchases. OpenSky Rewards links offers from merchants directly to your card, allowing you to automatically earn cash back.
More Card Info
Earn 1% cash back on payments.
More card info
Earn up to 10% cash back on everyday purchases. OpenSky Rewards links offers from merchants directly to your card, allowing you to automatically earn cash back.
More card info
A lender requests a credit check to evaluate your credit history, to verify if they can trust you to be responsible with your money. This can be in the form of a soft pull or a hard inquiry. Most of the main credit card issuers do a hard inquiry, which can temporarily ding your credit score. On the other hand, a soft pull doesn’t affect your credit score.
Some credit card issuers don’t require a credit check, making their cards an ideal option for individuals with poor or limited credit. However, these cards often need you to fund a security deposit to open an account, as this can be used as collateral if you miss your payments.
Credit checks aren’t the only factor lenders use to determine whether to approve your application. They may also look at your income, employment history, and other factors.
▶︎ See our picks: Best credit cards for bad credit or best credit cards for no credit
Credit card issuers check applicants’ credit histories to determine whether to take the risk by lending them money. A higher credit score signifies the applicant has a history of on-time payments and responsible use. A lower credit score tells them the applicant may be more likely to default on payments, so they’re riskier.
Many credit card issuers, like Capital One, offer a “preapproval screening” which does a soft pull on your credit history to give a general idea of how likely you are to be approved. However, even if you get preapproved, you may still be denied if you apply, as the issuer will then do a hard inquiry.
When looking for a credit card that doesn’t require a credit check, it’s important to consider a few crucial factors, such as:
Secured credit cards with no credit check requirement are the easiest credit cards to get approved for since putting down a security deposit makes you less risky to a credit card issuer.
Yes! Some cards don’t require a credit check to qualify. Others require a soft pull on your credit, but this won’t affect your credit score.
Your options tend to be limited when your credit score is bad. Secured credit cards and credit-builder cards are easier to qualify for and some don’t even require a credit check for approval.
No credit card has guaranteed approval, but the Chime Credit Builder Secured Visa® Credit Card and the OpenSky® Secured Visa® Credit Card are two options with very high approval rates and no credit check requirement.
It’s difficult to get a credit card with no credit check or deposit, but the Chime Credit Builder Secured Visa® Credit Card, while still a secured card, has no minimum deposit requirement.
If your credit card applications keep getting denied, consider applying for an easy-to-get card with no credit check like the Chime Credit Builder Secured Visa® Credit Card or the Self Secured Visa® Credit Card.
* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.