No credit check, easier approval secured credit cards | finder.com

Secured credit cards with no credit check

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money.

If you’re applying for a secured card, your credit score may not be where you want it. When applying for a credit card, a lender typically makes a hard pull on your credit history — possibly ticking a few points off of your credit score.

To avoid multiple hard pulls on your credit report and protect the credit score you have now, apply for a secured card that doesn’t require a credit check. Pick one and build your credit slowly — and, eventually, you may be able to upgrade to an unsecured card.

Green Dot primor® Visa® Classic Secured Credit Card

Green Dot primor® Visa® Classic Secured Credit Card

Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line.

  • $39 annual fee
  • 13.99% APR
  • Minimum Income Requirement of at least $100 higher than your monthly expenses
Promoted

OpenSky® Secured Visa® Credit Card vs. Green Dot primor® Visa® Classic Secured Credit Card

1. OpenSky® Secured Visa® Credit Card

  • No credit check
  • No checking account needed

The OpenSky® Secured Visa® Credit Card makes applying simple as you don’t need a credit history, and there’s no credit check. All you’ll need is a Social Security number, annual income and proof of identity. To open the card, you pay a $35 annual fee and put down at least a $200 security deposit.

Card Details

  • Minimum deposit. $200
  • No credit check.
  • Watch out for a $35 annual fee.


2. Green Dot primor® Visa® Classic Secured Credit Card

  • No credit check
  • Monthly income more than $100

Green Dot primor® Visa® Classic Secured Credit Card doesn’t require a credit check. In fact, it guarantees approval as long as your monthly income is at least $100 more than your monthly expenses. When applying, you’ll need to show a valid identification and Social Security number.

The annual fee is $39, which is deducted from your available credit.

Card Details

  • Minimum deposit. $200
  • No credit check.
  • Watch out for a $39 annual fee.

Other cards that come with easy approval

No-credit-check secured cards are pretty rare. Still, running into a credit check doesn’t necessarily mean you won’t be approved for a card.

For a few cards that are easy to obtain, check out the DCU Visa® Platinum Secured Credit Card and the SDFCU Savings Secured Visa Platinum Card.

DCU Visa® Platinum Secured Credit Card

  • Easy approval, soft credit check
  • No annual fee

You can get this card by joining the Digital Federal Credit Union. If you don’t meet the membership requirements, all you need to do to fix that is join Reach Out for Schools for $10 at the same time you open a DCU account. Then fund your DCU savings account with a minimum of $5.

The Digital Federal Credit Union runs a soft credit check when you apply for its secured card. Regardless, you’re extremely likely to be approved for the card.
Eligibility to join the DCU

Card Details

  • Minimum deposit. None, but you must open a savings account with a $5 minimum.
  • Low interest rate. 13.25% variable APR for purchases, balance transfers and cash advances.
  • Light on fees. No balance transfer, cash advance or foreign transaction fees.
  • Watch out for required membership with the Digital Federal Credit Union.

SDFCU Savings Secured Visa Platinum Card

  • Easy approval
  • No annual fee

When you apply for the SDFCU Savings Secured Visa Platinum Card, the credit union checks your credit. However, it only does so to verify your identity — you’re very likely to be approved regardless of your credit. Keep in mind that the credit check may be a hard inquiry, which may result in a small hit to your credit score.

To get this card, you need to become a member of the State Department Federal Credit Union. To do that, you can join the American Consumer Council for $5 or one of the many other affiliates. You also need to open an SDFCU savings account with a minimum of $1.

Card Details

  • Minimum deposit. $250.
  • Low interest rate. 13.74% variable APR for purchases, balance transfers and cash advances.
  • Rewards. Earn 1 Flexpoint for every dollar you spend, and earn 5 Flexpoints when you pay through bill pay.
  • Fewer fees. No balance transfer or foreign transaction fees.
  • Watch out for a hard credit check and required membership with SDFCU.

Common questions about secured cards

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our and .
Go to site