If you’re applying for a secured card, your credit score may not be where you want it. This can limit your overall credit card options and prevent you from taking advantage of the more lucrative credit card rewards available.
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, pay your bill in full on time and build your credit slowly — and, eventually, you may be able to upgrade to an unsecured card.
Our pick for no credit check
Top picks for credit cards that don’t require a credit check
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
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. It is recommended that 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.
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. 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. 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
Other cards that come with easy approval
DCU Visa® Platinum Secured Credit Card
Eligibility to join the DCUCard Details
SDFCU Savings Secured Visa Platinum Card
Card Details
Compare secured cards
I need a secured credit card with no credit checks without the deposit that acts as your credit line With a minimum of credit line of $3000, Can you help me?
Hello Bvms,
Thank you for reaching out to us.
You are on the correct page as the Secured Credit Cards listed above doesn’t perform credit check or if they do, it will only to verify your identity. With regards to the Minimum Deposit, unfortunately, all Secured Credit Cards requires Security Deposit as it serves as your collateral for the Credit Card and your initial Credit Limit. At this page you may compare the Secure Credit Cards that has Low Security Deposit.
I hope this helps.
Please do not hesitate to reach out if you have additional questions.
Cheers,
Ash