Blog Games

No Credit Check Credit Cards (And Why We Don’t Recommend Them)

OpenSky® Secured Visa® Credit Card

Need to get a bank card, however don’t know in case your credit score scores will cross the check?

You then’re in all probability interested by bank cards that don’t examine credit score when making use of. Whereas these playing cards do exist, they’re often not the best choice.

Right here’s what you should know.

How Credit Cards Can Assist Your Credit Scores

Should you’re on the lookout for a bank card with no credit score verify, your credit score scores in all probability aren’t the best.

And that’s O.Okay. — the worst factor you are able to do for poor credit score is cover.

To start out rebuilding your scores, it is advisable use credit score responsibly. One straightforward method to take action is with bank cards.

That’s as a result of most bank card issuers report your conduct to the most important credit score bureaus: TransUnion, Equifax, and Experian. And demonstrating accountable use of credit score will assist your scores get well.

The tough factor is, once you apply for a bank card, most lenders will examine your credit score reviews and credit score scores. Not solely will this end in a tough inquiry in your stories (which may additional ding your scores just a little bit) — however in case you have below-average credit, the lender is more likely to deny you.

Tips on how to Get No Credit Check Credit Cards

That’s why you may discover no credit score examine bank cards interesting: You’ll get a brand new line of credit score and not using a arduous inquiry, and with out risking rejection.

To get a no credit score verify bank card, you’re often solely required to:

  • Earn U.S. revenue
  • Have a checking account
  • Be no less than 18 years of age

Observe that, whereas many playing cards tout “instant approval,” some issuers will nonetheless deny you in the event you’ve had current delinquencies or tax liens, if they will’t confirm your revenue or id, or in case your revenue is under their thresholds.

The Downsides of No Credit Check Credit Cards

Earlier than you rejoice on the existence of no credit score examine bank cards, nevertheless, we’d wish to level out they’re not all rainbows and butterflies.

These playing cards are usually thought-about “subprime,” which means they’re designed for individuals with unfavorable credit ratings or restricted credit score — and are often issued by small banks with out the assets of the large guys.

That results in points like:

  • Excessive charges: Subprime card issuers hedge their danger by charging a slew of charges, together with software, setup, and upkeep charges.
  • Excessive rates of interest: These playing cards even have terribly excessive APRs. We strongly advocate paying your invoice in full every month to keep away from owing curiosity.
  • Poor customer support: We typically hear reader complaints concerning the customer support offered by these playing cards.
  • Sluggish and outdated cost techniques: With many subprime issuers, on-line account entry isn’t nice — and it may be a problem to pay your invoice.
  • No rewards or advantages: In contrast to most of the prime journey or money again playing cards, these playing cards often don’t include perks.  

The underside line? We view no credit score examine bank cards as a final resort.

Once you’re in search of bank cards with no credit score checks or on the spot approval, you’ll see totally different choices. Unsecured credit score playing cards are your “typical” bank card. They arrive with a line of credit score that’s based mostly in your revenue and credit score historical past; every time you swipe, you’re borrowing cash from the bank card issuer. Secured playing cards require an upfront, refundable deposit (often between $50 and $2,500), which then serves as your credit score line.

2 No Credit Check Credit Cards to Think about

In case you’re nonetheless interested by a no credit score verify bank card, proceed at your personal danger.

Search for one with low charges, and ensure it stories to the three main credit score bureaus, as that’s what is going to make it easier to construct credit score.

Listed here are a pair playing cards that don’t examine your credit score once you apply, however don’t anticipate them to be very helpful for something aside from establishing or constructing credit score.

OpenSky® Secured Visa® Credit Card

Key Options & Phrases

  • No credit score verify to use
  • Stories to all three credit score bureaus
  • Safety deposit: $200 to $three,000
  • Annual payment: $35 (plus different charges)
  • Buy APR: 19.39% Variable

This may be the most effective secured bank card with no credit score verify. It gives comparatively low charges, and it studies to all three main credit score bureaus every month.


Total Visa® Credit Card

Key Options & Phrases

  • No credit score verify to use
  • Stories to all three credit score bureaus
  • Software processing payment: $89
  • Month-to-month servicing payment: $6.25, after the primary yr
  • Annual charge: $75 the primary yr, and $48 every subsequent yr
  • Buy APR: 29.99% Fastened

Should you’re on the lookout for an unsecured card and not using a credit score verify, this Visa card is among the few choices. Beware — it has very excessive charges, and may’t be used at automated fuel pumps.

four Options to No Credit Check Credit Cards

With their poor buyer experiences and excessive charges, no credit score examine bank cards aren’t often the only option for rebuilding your credit score.

Listed here are 4 options:

Secured playing cards with lax necessities

Secured bank cards have much less stringent necessities than unsecured playing cards. Since you possibly can solely spend as a lot as your safety deposit, the issuer is taking over much less danger, making them a superb match for individuals with no credit score historical past or poor credit.

Whereas the next playing cards do require credit score checks, they don’t have minimal credit score rating necessities — and are focused at customers with poor credit score. This makes them comparatively straightforward to qualify for, even amongst different secured playing cards. Additionally they have decrease charges than some no credit score verify playing cards.

First Progress Platinum Elite Mastercard® Secured Credit Card

Key Options & Phrases

  • No minimal credit score rating required
  • Reviews to all three credit score bureaus
  • Annual payment: $29 (plus different charges)
  • Safety deposit: $200 to $2,000
  • Buy APR: 19.99% Variable


Green Dot primor® Secured Visa® Platinum Card

Key Options & Phrases

  • No minimal credit score rating required
  • Reviews to all three credit score bureaus
  • Annual charge: $39 (plus different charges)
  • Safety deposit: $200 to $5,000
  • Buy APR: 19.99% Fastened

The playing cards above are a few of the best secured playing cards to qualify for, however that doesn’t imply you must accept one in every of them. When you’ve got dangerous or restricted credit score, take a look at a few of our related greatest bank card picks, lots of which don’t have annual charges:

Retailer bank cards

Many retail retailer bank cards have low approval necessities, making them engaging for individuals with poor or restricted credit score.

The “shopping cart trick,” in accordance with Physician Of Credit, may additionally permit you to get sure retailer bank cards with out triggering a tough inquiry into your credit score stories. Whereas we haven’t tried this hack, and it might solely present pre-approvals moderately than precise approvals, it could be value exploring.

Simply observe you shouldn’t anticipate quite a bit from retailer bank cards. They typically have low credit score limits, outdated cost techniques, and poor buyer help. Normally they’re solely good for frequent consumers of the co-branded retailer, the place they often supply reductions or different loyalty rewards. Some additionally present particular financing choices that allow you to pay for costly purchases over time with no curiosity. However they are often helpful for constructing credit score as properly, so long as you employ them responsibly.

Turn into a licensed consumer

When you have buddies or relations with good credit score, ask in the event that they’d be prepared so as to add you as a licensed consumer to their bank cards. They don’t even have to offer you a replica of the cardboard; simply being added to the account means the cardboard’s exercise will get reported to the credit score bureaus underneath your identify.

Earlier than making an attempt this technique, be certain that the individual is a accountable card consumer. If she or he stops paying the payments, you gained’t be answerable for the stability — however the poor conduct will present up in your credit score studies, which may injury your credit score scores.

Credit builder loans

With a credit score builder mortgage, you “borrow” a sure sum of money from a lender — however don’t truly get the cash till your mortgage is paid off.

Say you’re taking out a $1,000 credit score builder mortgage. Every month, you may pay the lender $100 — a cost which can be reported to the credit score bureaus. After ten months, you’d get your full $1,000 and a report of well timed funds (and, hopefully, improved credit score scores).

Study extra in our Assessment of Self-Lender, a supplier of credit score builder loans.

Learn how to Enhance Your Credit Scores — for Good

Whether or not you get a no credit score examine bank card, a secured card, or a credit score builder mortgage, there are a couple of easy guidelines you need to comply with to enhance your credit score scores:

  • Pay your payments on time: That is in all probability crucial issue. One late or missed month-to-month cost can keep in your credit score stories for as much as seven years. We recommend establishing automated funds so that you by no means miss a due date.
  • Maintain your credit score utilization low: One other big think about your credit score scores is the quantity of obtainable credit score you’re utilizing. Do your greatest to maintain this quantity low (ie: don’t max out your playing cards!). Down the street, you may also ask for a credit score line improve, which might scale back your utilization even additional.
  • Monitor your credit score stories: Join a free credit score monitoring service to scale back the danger of id theft or fraud, which may hang-out you and your credit score scores for a very long time.
  • Spend what you’ll be able to afford: Reside under your means, and solely cost what you’ll be able to repay in full every month.

By following these guidelines, with all else being equal you’ll ultimately qualify for any of the perfect bank cards out there — and lenders will probably be begging you to use for his or her playing cards!


fbq(‘init’, ‘835529049885300’);
fbq(‘monitor’, “PageView”);

perform trackApplyClick(cardID, paid, postName, class)
fbq(‘trackCustom’, ‘Apply’, card: cardID );

var label = ‘Clicked Non-Affiliate Apply’
if( paid == 1 )
label = ‘Clicked Paid Apply’
else if(paid == 2)
label = ‘Clicked Affiliate Apply’

ga(‘ship’, ‘occasion’, class, label, postName, zero);

var getUrlParameter = perform getUrlParameter(sParam)
var sPageURL = decodeURIComponent(,
sURLVariables = sPageURL.cut up(‘&’),

for (i = zero; i < sURLVariables.size; i++)
sParameterName = sURLVariables[i].cut up('=');

if (sParameterName[0] === sParam)
return sParameterName[1] === undefined ? true : sParameterName[1];


var adIdentifier = getUrlParameter('advert');

if (adIdentifier == 'need')
var $this = jQuery(this);
var _href = $this.attr("href");
$this.attr("href", _href + adIdentifier);


(perform(d, s, id)
var js, fjs = d.getElementsByTagName(s)[0];
if (d.getElementById(id)) return;
js = d.createElement(s); = id;
js.src = "//";
fjs.parentNode.insertBefore(js, fjs);
(doc, 'script', 'facebook-jssdk'));