Best No Credit Check Credit Cards in 2025: Build Credit Without the Hard Pull
Our top pick for best no credit check credit card
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Our top pick for best no credit check credit card
opensky® Plus Secured Visa® Credit Card
The opensky® Plus Secured Visa® Credit Card tops our list due to its limited fees, reasonable APR, possible credit limit increase and nationwide access. Plus, it doesn’t require a bank account for approval.
Key takeaways
- Most credit card issuers perform a credit check to determine eligibility, and you may be denied if your score isn’t up to par.
- If you have poor or limited credit, no credit check credit cards can help you avoid a hard pull and give you a better chance of being approved.
- The best no credit check cards come with no or limited fees and report your payment history to the major credit bureaus — some even offer rewards and/or a chance to upgrade to a traditional card.
- (Winner) Best credit card with no credit check overall: opensky® Plus Secured Visa® Credit Card
- Best credit card with no credit check to build credit:: Petal® 2 Cash Back, No Fees Visa® Credit Card
- Best low security deposit cards with no credit check: GO2bank Secured Visa® Credit Card
- Best business card with no credit check: Nav Prime Card
- Best no credit check card for Chime users: Secured Chime Credit Builder Visa® Credit Card
- Best no credit check card for Self users: Secured Self Visa® Credit Card
- Best rewards card with no credit check: First Progress Platinum Prestige Mastercard® Secured Credit Card
Compare the best credit cards with no credit check
| Credit Cards | Our Ratings | Annual Fee | Regular APR | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
opensky® Plus Secured Visa® Credit Card
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on Capital Bank, N.A.'s secure site |
(Winner) Best overall
|
$0 | 28.99% (variable) | Limited / Poor / Fair |
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on Capital Bank, N.A.'s secure site |
Petal® 2 Cash Back, No Fees Visa® Credit Card*
|
No credit check
|
$0 | 28.99% - 30.99% | Fair | |
GO2bank Secured Visa® Credit Card*
|
Low security deposit
|
$0 | 22.99% | Limited / Poor | |
Nav Prime Card*
|
Business
|
$0 | N/A | N/A | |
Secured Chime Credit Builder Visa® Credit Card*
|
Chime users
|
$0 | N/A | Limited / Poor / Fair | |
Secured Self Visa® Credit Card*
|
Self users
|
$25 | 28.24% Variable | Poor | |
First Progress Platinum Prestige Mastercard® Secured Credit Card
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on Synovus Bank's secure site Rates & Fees |
Rewards
|
$49 | 14.24% (V) | Limited / Poor |
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on Synovus Bank's secure site Rates & Fees |
Methodology: How we chose the best no credit check credit cards
We take a comprehensive, data-driven approach to identify the best no credit check credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals.
Winner / Best secured credit card with no credit check
opensky® Plus Secured Visa® Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Security deposit: $300 to $3,000
- No credit check
- $0 annual fee
- Reasonable APR compared to other secured cards
- Credit limit increase review after six months
- Chance to graduate to an unsecured card
- Foreign transaction fee
- Security deposit required
- Rewards are limited
With a $0 annual fee and no credit check or bank account required for approval, the opensky® Plus Secured Visa® Credit Card is a great choice if you’ve been denied traditional cards.
Since the opensky® Plus Secured Visa® Credit Card is a secured card, your deposit will serve as your initial credit line. However, making on-time payments can lead to an automatic credit line increase in as little as six months. The card reports to the three major credit bureaus — Equifax, Experian and TransUnion.
- Click APPLY NOW to apply online.
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
Best to build credit
Petal® 2 Cash Back, No Fees Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.No security deposit required
- $0 annual fee
- Credit limit increase opportunities
- Reports to all three major credit bureaus
- No security deposit required
- Potentially high APR
- Cash back categories are limited
The Petal® 2 Cash Back, No Fees Visa® Credit Card is a great choice for building credit since it offers no fees and does not require a credit check. Rather than checking your credit score, Petal looks at your banking and other financial history.
You can also earn cash back: Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants. Plus, earn up to 1.25% cash back on most purchases after six months of timely payments and up to 1.5% cash back on most purchases after 12 months of timely payments.
Still, the card has a potentially high variable APR of 28.99% - 30.99%, so it’s important to pay your balance in full and on time each month to avoid incurring high interest charges.
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 28.99% - 30.99%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
Best for low deposit
GO2bank Secured Visa® Credit Card*
Security deposit: $100 minimum
- Low minimum security deposit
- $0 annual fee
- Keep track of your credit score with VantageScore®
- Requires an existing GO2bank account with direct deposit
- No upgrade path to unsecured card
The GO2bank Secured Visa® Credit Card is one of just a few secured cards you can get with just a $100 deposit. It also comes with a $0 annual fee and reports to the major credit bureaus, allowing you to build credit with responsible usage. That said, the GO2bank Secured Visa® Credit Card is only available to existing GO2bank customers who are at least 18 years old and who have direct deposits totaling at least $100 in the past 30 days.
- No credit check or impact to your credit when you apply
- Set your own credit limit starting at just $100
- $0 annual fee
- Reports payment history to the three major credit bureaus each month
- Track your credit score each month for free with VantageScore® powered by Equifax®
Best for businesses
Nav Prime Card*
Security deposit: None
- No personal credit check
- No security deposit
- Reports activity to major business credit agencies
- No personal guarantee required
- Must pay balance in full every month
- No rewards or sign-up bonus
- Credit limit fluctuates depending on linked account balance
The Nav Prime Card is one of a select few business cards with no personal credit check. Unlike other business cards with no credit check, there’s no revenue requirement to qualify — which makes it an accessible option for building business credit. There’s also no security deposit, no annual fee and no personal guarantee. This can help you start building business credit (and personal credit, too, if you opt for it) easily.
- Get 0% APR for everyday business expenses. Pay effortlessly with mobile wallet.
- Repay automatically from your linked account at the end of each day.
- The more you spend, the more business credit history you build with the major bureaus.
- Continue monthly to keep building. Check progress in your Credit Health dashboard.
Best for Chime users
Secured Chime Credit Builder Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Security deposit: No minimum security deposit*
- No credit check
- $0 annual fee
- No minimum security deposit*
- Doesn’t charge interest**
- Your deposit can pay for monthly charges
- Requires a Chime checking account with direct deposit
- Must replenish balance if used for payments
- No upgrade path to unsecured card
If you’re already a Chime customer (or thinking of becoming one), the Secured Chime Credit Builder Visa® Credit Card is ideal for establishing a credit history. Though it’s a secured card, the Secured Chime Credit Builder Visa® Credit Card is unique in that your deposit isn’t held. Instead, you’ll transfer over an amount from your Chime checking account to serve as your credit limit, and payments can be drawn from there — with no fees or interest charged**. In the meantime, your account activity is reported to the major credit bureaus.
- No annual fees or interest,* no credit check to apply, and no minimum security deposit required3
- Help increase credit score by an average of 30 points1
- View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
- Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
- Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. The secured Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- *No interest: Out of network ATM withdrawal fees may apply. See here for details.1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.2 To apply for Credit Builder, you must have an active Chime® Checking Account.3 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Best for Self users
Secured Self Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Security deposit: $100 minimum
- No credit check
- Low minimum security deposit
- Can increase credit limit over time
- Eligibility takes at least three months
- Can’t be used outside the U.S.
- Annual fee ($25)
The Secured Self Visa® Credit Card is unique in that you can use a Self credit builder loan before you can apply for the card. While this is an extra step, it also helps you build credit by diversifying your credit mix — which accounts for 10% of your score. You can also choose to secure your card with a bank account or debit card. Further, the card will report to all three credit bureaus, though it does have a small annual fee ($25).
→ Learn more about the five factors that make up your credit score.
- Open a path to a secured credit card
- No hard credit pull. No credit score required.
- Start with a Credit Builder Account* that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings.
- Backed by savings you’ve already built. Your savings progress from your Credit Builder Account secures your credit card and sets your limit. Have an active Credit Builder Account in good standing, make at least 3 monthly payments, have $100 or more in savings progress and satisfy income requirements. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check.
- Stay on track with credit utilization monitoring, autopay, account reminders, an app, and dedicated customer support
- No additional money upfront**
- Micro-pay your way to the deposit***
- *Credit Builder Account — proceeds are held in a deposit account until maturity.
- **Your Credit Builder Account savings progress secures your card and sets your limit.
- ***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.
- The secured Self Visa® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details.
- The secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
Best for rewards
First Progress Platinum Prestige Mastercard® Secured Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Security deposit: $200 to $2,000
- No credit check
- Earns cash back rewards
- Low APR
- $49 annual fee
- No automatic reviews for a credit limit increase
- No upgrade path to unsecured card
It’s rare for a no credit check card to offer a cash back program, but the First Progress Platinum Prestige Mastercard® Secured Credit Card does just that. You’ll earn 1% cash back rewards as you build your credit. The card also comes with a 14.24% (V) APR, which is among the lowest for a secured credit card. However, you won’t have the option to upgrade to an unsecured card, as First Progress currently doesn’t offer one.
- Click APPLY NOW to apply online.
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
How to get a credit card with no credit check
A no credit check credit card could be your best option if you’ve been denied traditional credit cards. That said, it’s still important to do your homework to find the right card for your situation, as they do have other eligibility requirements.
- In order to get approved for a card with no credit check, start by looking over the qualifications.
For most cards, you’ll need to be at least 18 years old, have a source of income (or, sometimes, a bank account) and be able to provide the proper identification. - Next, see if there are any associated costs for the card, including monthly or annual fees.
You should try to avoid cards whose fees seem excessive. Our card list, for example, features cards that have fees under $50 per year — and some that have no fees at all. - You’ll also need to decide between secured vs. unsecured cards.
For cards that require a security deposit, you’ll need to have that cash available to deposit and understand that you may not be able to access it for a period of time. In most cases, the amount you deposit is also your credit line, so keep that in mind when deciding how much to put down. - Once you select a card you think is a good fit, follow the application process carefully.
You may have to upload documents or supply information — be truthful. If you find a good match, you will likely be approved and can start using your card when it arrives.
Frequently asked questions
Yes, there are some credit cards you can get without a hard credit inquiry being performed. Secured credit cards are one example, as you’ll be putting up a cash deposit as collateral. Though rarer, you may be able to find an unsecured card that uses other financial data and criteria to determine eligibility. Lastly, there are business cards that don’t require a personal credit check, though these often have strict eligibility requirements.
The primary difference between these cards is that a secured card requires a refundable deposit, which typically serves as your line of credit. The deposit is used as collateral in case the cardholder doesn’t pay off the purchases charged to the card.
Yes, you can get a credit card without a checking account. If you’re going through a traditional credit card application process, in which a credit check is performed, the issuer will look at your income, employment and credit history to determine if you’re eligible. Therefore, you don’t technically need a checking account to open a credit card (though it will simplify the method of making your monthly payments).
For secured credit cards with no credit check, you often need to have an established bank account to link to as the source of your security deposit. However, there are some secured cards that allow you to use a wire transfer or money order to fund your deposit account.
The Secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
The information related to the Petal® 2 Cash Back, No Fees Visa® Credit Card, GO2bank Secured Visa® Credit Card, Nav Prime Card, Secured Chime Credit Builder Visa® Credit Card and Secured Self Visa® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
