6 Credit Cards That Don't Require a Credit Check

CREDIT CARDS - CREDIT CARD BASICS
Credit cards with no credit check requirements offer an easy way to build your credit.
Updated July 17, 2024
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Qualifying for a credit card with bad or no credit can be difficult. Typically, you’ll need a positive credit history or a minimum credit score to be approved for most cards, which can be frustrating.

Fortunately, there are many credit cards with no credit check requirements. These types of cards can help you start the process of rebuilding or raising your credit without strict guidelines regarding your credit history.

In this article

Best credit cards with no credit check

Most credit cards typically come with high interest rates and many of those listed here are no exception. If you want to stay out of debt and build your credit, it’s often best to avoid carrying a balance and stay on top of your monthly payments to avoid late fees. Paying attention to your due dates can help keep your account in good standing.

Fortunately, you may qualify for many cards with nearly any type of credit. Even if you have bad credit or limited credit history, you could still be approved and work toward improving your creditworthiness.

Card Credit Check Security Deposit Annual fee Reports to
Secured Chime Credit Builder Visa® Credit Card12
None Yes, but no minimum requirement $0 Equifax, Experian, and TransUnion
Tomo Credit Card
None None $0 Equifax, Experian, and TransUnion
GO2bank™ Secured Visa® Credit Card None $100 minimum $0 Equifax, Experian, and TransUnion
OpenSky® Secured Visa® Credit Card None $200 minimum $35 Equifax, Experian, and TransUnion
Deserve® EDU Mastercard for Students None None $0 Experian and TransUnion

Secured Chime Credit Builder Visa® Credit Card: Best for existing Chime® members

The Chime Credit Builder is a Visa credit card that doesn’t require a credit check to apply. As a Visa card, it can be used almost anywhere credit cards are accepted. In addition, your everyday purchases and on-time payments can help build your credit since Chime reports this card’s activity to all three major credit bureaus.3

You will need to have a Chime® Checking Account in order to get the card. You won’t have to worry about an annual fee, but you will have a limit on how much you can spend with your card. However, you determine the limit by moving money from your linked Chime account to your Credit Builder account. The amount of money you move over is your line of credit.4

Explore more benefits and features in our full Chime Credit Builder Visa Credit Card review.

Tomo Credit Card: Best for high credit limit

Tomo was built by immigrant founders who found it difficult to qualify for a credit card in the U.S. as foreign nationals. There’s no credit check required for the Tomo Credit Card since most foreign nationals have no history of U.S. credit. However, anyone without a credit history can benefit from this credit card.

Tomo doesn’t charge any fees, and there’s no requirement to put down a security deposit. Your available credit is determined by analyzing your bank account information, and your credit limit can be as high as $10,000.

For other credit cards with no credit requirement, check out our best credit cards for no credit.

Explore more benefits and features in our full Tomo Credit Card review.

GO2bank™ Secured Visa® Credit Card: Best for existing GO2bank members

The GO2bank™ Secured Visa® Credit Card is your typical secured credit card. It has a $0 annual fee and doesn’t require a credit check as long as you have a GO2bank account set up with direct deposits that have totaled at least $100 in the past 30 days. However, you can only apply for the card if you have a GO2bank account.

You also have to put down a security deposit of at least $100, which would be transferred from your linked GO2bank account. Your payment history is reported each month to the three major credit bureaus.

Explore more benefits and features in our full GO2bank Secured Visa Credit Card review.

OpenSky® Secured Visa® Credit Card: Best for no banking affiliation

OpenSky is a financial services company that offers a secured credit card through Capital Bank. Compared to other cards on this list, the OpenSky® Secured Visa® Credit Card doesn’t have any additional benefits, its security deposit is slightly higher than normal, and it has a $35 annual fee.

However, OpenSky doesn’t require you to go through a credit check and have your payment history reported to major credit bureaus. Additionally, you don’t have to be a member of any financial institution to qualify for this card. Unlike a few of the cards on this list, the OpenSky® Secured Visa® Credit Card doesn’t require you to open a bank account in order to apply.

For these reasons and more, the OpenSky® Secured Visa® Credit Card could be one of the best credit cards for poor credit.

Explore more benefits and features in our full OpenSky® Secured Visa® Credit Card review.

Deserve® EDU Mastercard for Students: Best for students

The Deserve® EDU Mastercard for Students is only available if you attend a U.S. college or university. You don’t have to be a U.S. citizen to apply since you don’t need a Social Security number, but you must be attending a U.S. college to qualify.

The Deserve® EDU Mastercard for Students can be helpful for students with no credit history who want their first credit card since it doesn’t require a credit check to apply. It also has a $0 annual fee, no security deposit requirement, no foreign transaction fees, and your credit activity is reported to Experian and TransUnion.

Additional benefits include cashback rewards and a generous sign-up bonus. You earn 1% cash back on all purchases and you can earn free year of Amazon Prime Student after spending $500 in the first 3 months. Most cards on this list don’t offer rewards or sign-up bonuses, which could make this card a smart option for students.

For more student credit card options, check out the best credit cards for students.

Explore more benefits and features in our full Deserve EDU Mastercard for Students review.

What to look for in a no-credit-check credit card

As you compare options for no-credit-check credit cards, it’s important to keep an eye out for different card details and features. For example, does the card have any fees? Will you have to put down a security deposit? These and other characteristics could help narrow down which card might be the best fit for you.

  • Reports to all three credit bureaus: If you want to build your credit history, your credit activity needs to be reported to the major credit bureaus: Equifax, Experian, and TransUnion. Having activity reported to one or two of the bureaus can be helpful, but reporting to all three is best.
  • Low fees: In most cases, avoiding as many fees as possible is often the best way to use any credit card. With no-credit-check credit cards, you typically have plenty of options with no annual fees. Unless there’s a particular reason you have to get a card with an annual fee, qualifying for a no-annual-fee credit card could save you money.
  • Secured vs. unsecured: Secured credit cards typically have strict credit limits that are often tied to a security deposit you make. The higher the security deposit, the higher the limit. Unsecured credit cards don’t have this restriction and typically allow for more freedom with credit limits. No-credit-check cards can be either secured or unsecured, but you likely want an unsecured version for increased freedom.
  • Low security deposit: Depending on your situation, you might find secured credit cards to be your most accessible option. If so, a card with a low security deposit could make sense if you don’t have a lot of spare cash. Refundable security deposits are common and let you get your deposit back when you close the account or graduate to an unsecured card. However, your money will still be tied up in the meantime.
  • Mobile app: If you value convenience when managing your finances, having access to a mobile app to oversee your credit card activity is important. This can let you see your balance and make payments while on the go rather than relying on being at a computer all the time.
  • Earns rewards: The main goal of using a no-credit-check card is typically to build your credit history. But with some cards, you’re also able to earn rewards, often in the form of cash back. Rewards cards often offer greater value over credit cards without a rewards program.
  • Has additional benefits: Apart from earning rewards, some cards may also offer other benefits such as the perks associated with Visa or Mastercard. 

Methodology

To select this specific line-up of cards, we analyzed a variety of credit cards and determined which ones should make our list based on a number of factors. These include whether a card has any applicable fees or security deposits, what benefits (if any) are available, and if there are any credit check requirements.

To determine the “best for” labels, we compared the selected cards to see which features or benefits might set them apart from the other cards.

FAQs

How do I get a credit card with no credit?

There are many resources for finding a secured credit card or a credit card with no credit check requirements. Once you find a card, see if it has the features you want and if you qualify, then follow their application process. Secured credit cards don’t typically require you to have a credit history and could help you build or rebuild your credit.

What are the best secured credit cards for no credit?

The best secured credit card for you depends on your financial goals. You have options for multiple secured credit cards with different features and benefits. A few top choices include the Capital One Platinum Secured Credit Card and the OpenSky® Secured Visa® Credit Card.

Who determines your credit history?

Your credit card usage determines your credit history. Most lenders will report your payment history (including late payments), how much you borrow, and your available credit to the major credit bureaus, which are Equifax, Experian, and TransUnion. The longer you have credit card accounts open and active, the more credit history you’ll grow. You can view your full credit history by requesting a free credit report from AnnualCreditReport.com.

Bottom line

You have plenty of choices for credit cards that don’t require a credit check, but the best one will depend on your situation and financial goals. You might want a card with the lowest security deposit or a card that can help you earn rewards and build credit at the same time. Whatever the case, your goal is to improve your credit score and open up more financial opportunities.

Read our credit card comparison and reviews for more options.

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Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.