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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

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% fixed 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. 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.

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. 13.5% 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. 13.99% 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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2 Responses

  1. Default Gravatar
    bvmsDecember 2, 2018

    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?

    • finder Customer Care
      AshDecember 5, 2018Staff

      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

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