No-Credit-Check Credit Cards
| Credit Card | Best For | Credit Score | Annual Fee | Welcome Bonus |
|---|---|---|---|---|
| Guaranteed Approval | 300–669 | $35 | ||
| Low APR | 300–669 | $49 | ||
| Low Deposit | 300–669 | $0 | ||
| Secured | 300–669 | $0 | ||
| Building Credit | 300–669 | $25 |
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Trying to get a new credit card is stressful, especially if you have bad credit or an insufficient credit history. You may be worried about qualifying for a credit card if the lender sees any derogatory marks on your credit report, such as late payments or bankruptcies.
Even if you have decent credit, you might still be worried about getting a hard inquiry from the credit check, which will drop your credit score by a few points.
Whatever your reason is, if you want to apply for a credit card that won’t perform a credit check, you have options. We’ve put together a list of the 5 best credit cards that won’t check your credit.
What is a credit check?
A credit check is when a potential lender looks at your credit report to understand your borrowing history. Their search will show items including:
- Your name and address
- Your current outstanding loans
- Your employment status
- Past-due payments
- Late payments
- Bankruptcies
- Foreclosures
These are only some examples of what a credit check may reveal about your financial situation and risk level as a borrower (i.e., whether you’re likely to pay your bills on time). If you have black marks or missed payments in your past, you may not want a new lender to see them, as that could disqualify you from being approved for a loan or line of credit.
How do I get a credit card with no credit check?
To get a credit card that doesn’t check your credit, you need to be willing to put down a credit card security deposit. All no-credit-check credit cards are secured credit cards. Secured cards require a security deposit as collateral in case the cardholder fails to pay their bills.
When you open a secured credit card account, your security deposit will likely match your initial credit limit. If you make purchases on the card and don’t pay off your balance, your lender can keep the security deposit.
Because of this, secured credit cards are less risky for lenders to approve. That’s why some credit card issuers will offer approval for secured credit cards without performing a credit check.
Best credit cards that won’t check your credit
Here are the 5 best credit cards that don’t check your credit when you apply.
