Our pick for no credit check: OpenSky® Secured Visa® Credit Card

from $200
Security deposit
- No credit check to apply
- Low annual fee of $35
- Reports to all three credit bureaus to help build credit
The Wells Fargo Secured Credit Card's annual fee is $25 — cheaper than many other secured credit cards on the market. For approval, you'll need to front a $300 minimum security deposit. And if you're looking for a card to build credit, you'll be happy to know that the bank reports your Wells Fargo Secured Credit Card activity to the three major credit bureaus.
The OpenSky® Secured Visa® Credit Card is a contender if you've never had any form of credit in the past. Compared with the Wells Fargo Secured Credit Card, this card offers a lower 17.39% variable APR and requires a lower minimum security deposit of $200. And you can easily fund your deposit with a debit card, wire transfer or money order.
A good place to start is to look at your credit history. If you have no credit history whatsoever, the OpenSky® Secured Visa® Credit Card is probably your best bet, at least for accessibility.
If you have a past credit history and want to upgrade your card in the future, the Wells Fargo Secured Credit Card makes a good choice. In time, you can increase your credit limit and upgrade to a secured card directly through Wells Fargo. This card is also great if you’re not a US citizen.
Without rewards to worry about, both cards are solid choices for helping rebuild your credit. And since you should be paying off your statement balance in full each month, the APR difference between the two shouldn’t prove a huge deal.
In the end, both cards offer a solid opportunity to rebuild your credit, with the main determining factor on which is best for you laying with your credit history. But if you’re not too crazy about either card, compare the features of other secured cards until you find the one that’s right for your needs. Learn more about secured cards in our comprehensive guide.
Build credit with this secured credit card.
Build credit with this secured credit card.
Build your credit with this secured credit card.
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Open a credit-builder loan before getting this secured card.
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A simple credit card with low interest rates and no annual fee.
A simple, no-annual-fee credit card with low interest rates.