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secured cards with no credit check

Secured credit cards with no credit check

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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

Our Pick: Green Dot primor® Visa® Classic Secured Credit Card

No credit check and a low APR of 13.99% fixed. Credit lines available from $200 to $5000. You decide where you want to start and open your Personal Savings Deposit Account to secure your line.

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

    Secured credit cards with no credit checks

    Rates last updated June 25th, 2018
    Unfortunately, none of the credit cards match that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Name Product Product Description Annual fee Min credit limit APR for Purchases ( Purchase Rate )
    OpenSky® Secured Visa® Credit Card
    A secured Visa® credit card that helps you build your credit quickly.
    $35
    $200
    18.64% variable
    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
    $200
    13.99% fixed

    Compare up to 4 providers

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

    1. OpenSky® Secured Visa®

    • No credit check
    • No checking account needed

    The OpenSky® Secured Visa® 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 and the SDFCU Secured Visa Platinum.

    Rates last updated June 25th, 2018
    Unfortunately, none of the credit cards match that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Name Product Product Description Annual fee Min credit limit APR for Purchases ( Purchase Rate )
    DCU Visa® Platinum Secured Credit Card
    A great way to establish or improve your credit history.
    $0
    $5
    13.00% variable
    SDFCU Savings Secured Visa Platinum Card
    Created to help you establish or rebuild credit.
    $0
    $250
    13.49% variable

    Compare up to 4 providers

    Digital Federal Credit Union (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. 13.00% 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.

    State Department Federal Credit Union (SDFCU) Secured Visa Platinum Card

    • Easy approval
    • No annual fee

    When you apply for the SDFCU Secured Visa Platinum, 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. 13.49% 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.

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