Best Credit Cards with No Credit Check Advertiser disclosure You're our first priority. Every time. We believe that every person should be able to make financial decisions without hesitation. And while our site doesn't contain every financial institution or product on the market however, we're confident of the advice we provide, the information we provide as well as the tools we design are independent, objective simple, and cost-free. How do we earn money? Our partners pay us. This could influence the types of products we write about (and the places they are featured on our website), but it in no way affects our recommendations or advice, which are grounded in hundreds of hours of research. Our partners are not able to pay us to guarantee favorable ratings of their goods or services. . Best Credit Cards With No Credit Check Some credit cards, especially from younger firms, guarantee no credit checks and no charges -- a great combo for those with bad credit. Here are our top selections. Written by Melissa Lambarena Lead Writer | Credit cards and debt Melissa Lambarena is a lead writer for the credit card group at NerdWallet. She has been enthusiastically covering credit card-related topics for over six years. Her previous experiences include nine years as an author for various websites and magazines. In her writing, she strives to help users extract benefits from credit cards in order for financial goals such as stretching their budget, building credit, traveling to dream destinations and repaying debt. She explores these topics and others in and the Millennial Money column featured in The Associated Press. Her work has also been published on The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa holds a bachelor's degree in sociology from University of California, Los Angeles. University of California, Los Angeles. Jan 19 2023, 2023 Edited by Kenley Young Assisting Editor Credit score, credit cards Kenley Young oversees the daily coverage of credit cards for NerdWallet. Prior to that, he worked as a web editor and digital content producer for Fox Sports, and before being a front-page editor for Yahoo. He has years of experience in digital and print media, with periods as a copy desk chief, a wire editor and a metro editor at McClatchy. McClatchy newspapers chain. Email:
. A majority or all of the products we feature are made by our partners who compensate us. This influences which products we review and where and how the product is displayed on a page. However, this doesn't influence our evaluations. Our opinions are our own. Here's a list of and . Credit cards that claim to offer "no need for credit checks" could be attractive to those with low credit scores (FICO scores of 629 or lower) because the application process won't affect your credit scores. However, these cards typically come with high fees and interest rates , hence the name They may let you dodge that credit score, but you'll pay for it in the long run. Some credit card companies -- particularly those that are relatively new in the market have been advertising zero credit checks and no charges whatsoever. Many of these so-called are using proprietary underwriting technologies which can assess creditworthiness by analyzing other factors, like your bank account, in lieu of traditional credit history. In short, if you have poor credit, feesharvester cards as well as traditional credit cards are no longer your only choices. Below are a few cost-effective and no-cost cards that do not require a credit check. More: The best credit cards that don't require a credit check NerdWallet's ratings are made by our editorial team. The scoring algorithm takes into consideration the kind of card being evaluated (such like cash back and balance transfer, or travel) as well as the card's rate as well as fees, rewards, and other features. Chime Credit Builder Visa(r) Credit Card Our pick for: Chime users CARD DETAILS Credit check Check: There is no credit check. Security deposit A security deposit of no up-front is required. You decide your credit limit depending on the amount you transfer to secure account. Fees: None. APR: None. WHY WE LIKE IT For those with bad credit or no credit, this card eliminates the restrictions of traditional secured credit cards. A -- a free bank account which permits direct deposits -- is required to get the card. It is also required to have at least $200 in direct deposits from Chime Spending Account Chime Spending Account in the past 365 days to prove that you've got an source of income. However, this card doesn't require an upfront security payment as most secured credit cards do which means you don't have to pay $200 that will be wrapped up and untouchable for a period of indeterminate time. You can also decide how much you spend. The money you move from the Chime Spending Account to the Credit Builder secured account determines the credit limit. So if you move for example, $25, to your secured account then you'll be able use the card to spend the $25. The money that's in your secured account can use to pay the balance, and those transactions will let you build credit. If, for instance, you purchased a $15 gas bill with your secured card, you'd be able to use that $25 you moved into your secured account in order to pay the $15. The payments you make are reported to all : TransUnion, Equifax and Experian. These companies collect the information used to calculate your credit scores Drawbacks Chime Credit Builder Visa(r) Credit Card requires a Chime Spending Account in order to be eligible. It's easy to sign up, however it will require an additional effort beyond the application. And if you prefer the option to carry the balance from month month, this card doesn't permit it. A Nerdy Tip On the 6th of July 2021, the non-profit news agency ProPublica reported that Chime customers had their accounts shut down without notice, leaving them without access to funds. The ProPublica report said that Chime claimed that many closures were connected to fraud, but it also acknowledged that some closures were mistakes. If your account has been closed by Chime or other neobanks without notice, you can be a possibility of resolving the issue. Contact the neobank directly to discuss the situation. If you're not helped by the neobank or the bank's representatives, you can complain to the Consumer Financial Protection Bureau. Find out more about Chime Chime says the following that: The Chime Credit Builder Visa(r) Card is issued by Stride Bank, N.A., Member FDIC, pursuant to an approval obtained from Visa U.S.A. Inc. and may be used everywhere Visa credit card are accepted. To apply the Credit Builder, you must have received a single , qualifying direct deposit of at least $200 into your Checking Account. The qualifying direct deposit must be from your employer, payroll provider gig economy payee, or benefits payer by Automated Clearing House (ACH) deposit or an Original credit Transaction (OCT). Banking ACH transfer, pay Anywhere transfers, verification or trial deposits from financial institutions peer to peer transfers from platforms like PayPal, Cash App, or Venmo mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, as well as any deposit to which Chime determines is not an eligible direct deposit are not considered to be qualifying direct deposits. Any money added to Credit Builder is deposited in a secure account to serve as collateral for the Credit Builder Visa Card, which means you can spend as much as you like on your card. It is the money you be able to use to pay your bills when you finish every month. >> MORE: Discover the best card for you. You can check your score any time and NerdWallet will tell the credit cards that make the most sense. NerdWallet's ratings are determined by the editorial staff. The scoring formula takes into account the nature of the card being evaluated (such such as cashback, travel or balance transfer) as well as the card's rate charges, rewards, fees and other features. Tomo Credit Card Our pick for Rewards CARD DETAILS Credit check Credit check: None. Security deposit: None. Fees: None. APR: None. WHY WE LIKE IT The , issued from Community Federal Savings Bank, is ideal for those with poor credit or none at all. It offers 1% cash back and can provide a credit limit up to $10,000, depending on the eligibility. TomoCredit is the company that operates the card, uses its own proprietary technology that analyzes numerous information points, including but not only, the amount of income (or the potential for income) as well as account balances as well as contact details. The bank utilizes this information to determine whether you're a good candidate for the card. In order to give this information, you're required to link at least one account to the third-party service provider. You can link a checking account, savings account an investment account or other suitable account. All payments are reported to the three major credit bureaus, a must-have feature when you're looking to build credit. DRAWBACKS The Tomo Credit Card may have some features that aren't ideal for everyone. You can't, for instance, carry an account credit from month one to next with the card. Additionally, you have to start off with a seven-day schedule where payments are taken out of accounts at banks. >> MORE The ratings of NerdWallet are calculated by our editorial team. The scoring formula takes into account the nature of the card being examined (such like cash-back or balance transfer) as well as the card's rate, fees, rewards and other benefits. Grow Credit Mastercard Our choice for details on subscriptions. Credit check: The company runs only a soft credit check that won't have an impact on the credit rating of your client. The security deposit is not required for the majority of membership plans. Fees: None with the membership tier that is free. (Other membership tiers cost.) APR: None. What we like about it is a virtual credit card that is issued by Sutton Bank that is friendly for those with low credit or having no credit. Grow Credit has proprietary technology that looks at income to assess the creditworthiness of a person. To assess the value of that data, the company requires you to link to a bank account via . The card lets you can choose from four membership plans that let you build credit while you pay for your monthly subscriptions or bills. For example, if you usually pay $8.99 per month for Netflix, you can pay for that subscription using the Grow Credit Mastercard . If you pay punctually and on time will help build credit. (Qualifying payments and subscriptions vary according to membership plans.) This Grow Credit Mastercard reports payments to the three main credit bureaus. Drawbacks You aren't able to use the card for any other transactions that eligible bills and subscriptions. Also, you can't carry a balance between months. Two of the paid membership plans such as the Grow membership level (annual cost of about sixty dollars) along with the Accelerate tier (nearly $120 annually) isn't worth the expense. That's money you won't get back. Better to use Grow Credit's no-cost membership plan or secured membership plan. Also, it's worth looking into a plan which gives you the chance to receive your deposit returned. More The NerdWallet ratings are determined by our editorial team. The scoring formula takes into account the nature of the card being examined (such as cash back, travel or balance transfer) and also the card's rates, fees, rewards as well as other benefits. OpenSky(r) Secured Visa(r) Credit Card Our recommendation for Cardholders who do not have a bank account Details Credit check No credit check. Security deposit: A 200 minimum amount of deposit must be made. Charges: A 35-year annual cost. Based on your transactions and payment, additional fees could be charged. APR: The ongoing APR is 21.64% , which is a variable APR . What we like about it is a traditional secured credit card, which is perfect for people with bad credit. Among secured credit cards, it's among the few that lets you qualify without the need for a credit report and bank accounts. It reports payments to the three credit bureaus, and let you carry a balance that is ongoing. Drawbacks The minimum 200-dollar deposit threshold could be an obstacle for some. While the annual $35 cost is on the lower side, it's still possible to get secure credit card that don't charge the annual cost. A Nerdy Tip For a short time that you can apply to this card, you'll be eligible for an automatic credit line increase following three timely payments, up to $200 within your first year, with no deposit requirement. Terms apply. >> MORE: GO2bank Secured Credit Card Our pick for: A low security deposit CARD DETAILS Credit check Check: None. Deposit security: A $100 minimum deposit is required. Charges: A zero annual cost. Based on the transactions you make and payment, additional fees might apply. APR: The ongoing APR is 22.99% (as of this writing). WHY WE LIKE IT The GO2bank Secured Credit Card is a solid option for those with poor credit. To be eligible, you'll need at least a Go2bank bank account and direct deposits of at least $100 within the past 30 days. There won't be an application process that requires a credit check. It's a no-risk application. GO2bank Secured Credit Card has an extremely low minimum security deposit requirement for secured credit cards that is $100. The amount deposited determines your credit limit. Like a traditional credit card, the smaller the limit on credit, the less you'll want to spend with the card. can help your credit score. The GO2bank Secured Credit Card reports your credit card transactions to three credit bureaus, helping you build credit. Drawbacks Aside from the mandatory security deposit, it is also required to deposit a security amount. GO2bank Secured Credit Card also requires the use of an GO2bank account to qualify, which adds an extra step to the application process. It does not offer the option to upgrade to an unsecured credit card after you've built a good payment history, so you'll have to close your account in case you'd like to claim your security deposit returned. The card also has a 3% foreign transaction fee for each purchase, which makes it suitable for travel to other countries. >> MORE: (Card image courtesy of GO2bank) Self Visa Credit Card Our choice for: A variety of credit-building options CARD Information on credit checks No. Security deposit A security deposit of no initial amount is required. The credit limit you choose to set is depending on the amount you deposit into the Credit Builder account. Charges: A $25 annual fee. Based on the transactions you make and payments, other fees could be imposed. APR: varies based on a variety of factors, including the amount you decide to pay per month. Why We Like It In order to be eligible for this account, you'll need an account with a Credit Builder, which is a tiny installment loan which is held in a bank certificate. Having can be a win for your credit scores , if you are able to make on-time payments. The Self Visa Credit Card and the Credit Builder Account are both reported to the three major credit bureaus - the former as a revolving line of credit, and the latter is the installment loan. In the beginning, you'll sign up for the Credit Builder Account in which you'll make monthly installments, starting at $25 per month, depending on the loan term. Once you've paid $100 and fulfilled other conditions then you're able to use that money to cover the security deposit required for this Self Visa Credit Card. This is a great option for those who's budget would benefit from paying a deposit in small installments over time. The money will eventually be back once you have closed the account in good standing. DRAWBACKS A $100 security deposit is significantly less than is required by traditional secured credit cards, but over the long run, the loan and card together could end up costing more. Contrary to many secured credit cards The Self Visa Credit Card charges an annual fee and there's a one-time administrative fee of $9 to establish an credit builder Account. And again, you can't obtain the card right away. You'll have to clear some challenges first, including making a minimum savings of $100 within Your Credit Builder Account, making the last three monthly payments in full, and having an account that's in good standing. (Card image Image courtesy of Self) >> MORE: About the author: Melissa Lambarena is a credit card writer for NerdWallet. The work she writes for has been highlighted on The Associated Press, New York Times, Washington Post and USA Today. On a similar note... Choose the right credit card for you. Whether you want to pay less interest or earn reward points, the right card is out there. Answer a few simple inquiries and we'll be able to narrow your selection for you. Dive even deeper in Credit Cards Get more smart money moves delivered straight to your inbox. Sign up and we'll send you Nerdy articles about the financial topics that matter most to you as well as other methods to help you get more from your money. Make all the right money moves

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