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What Credit Cards Don’t Have a Credit Check?

Bad credit or no credit can make applying for a credit card difficult – if not almost impossible. A bad credit score disqualifies applicants for many credit cards, as lenders are often afraid of taking a chance on risky applicants. Is there another way, however? Are there credit cards that don’t require good credit? And if so, what credit cards do not have a credit check?

What Does “No Credit Check” Mean?

“No Credit Check” credit cards are something of a misleading term. When a card offer says no credit check is needed, what they mean is no hard inquiry.

Credit checks break down into two categories: hard inquiries and soft inquiries. A hard inquiry is when a lender pulls one of your credit reports to see your entire credit history. These inquiries are what most credit card, mortgage, and other loan applications require. A hard inquiry will show up on your credit report and will remain there for about two years.

A soft inquiry, in comparison, doesn’t require a full pull of your credit. When a lender does a soft pull, they check your basic credit information. These pulls occur when you check your credit score through free apps, or when a potential employer runs a background check. Soft inquiries don’t impact your credit score.

Credit Cards With No Credit Check – Secured Cards

Now that you know what “No Credit Check” really means, what cards don’t conduct a hard pull on your credit report?

Secured credit cards are your best bet if you have a damaged credit score but want a new credit card. These cards require a security deposit that also acts as the credit line. It’s this cash deposit that makes lenders much more willing to extend credit – even to those with poor credit. Many banks also don’t run credit checks for their secured card offers.

Fortunately, there are plenty of excellent secured cards that only require a soft pull of your credit and can help you repair your credit:

OpenSky Secured Visa Card

The most well-known credit card that doesn’t require a credit check is the OpenSky Visa. The OpenSky isn’t unique among the cards on this list, as it’s a secured card. That said, it has the lowest annual fee of all the “no credit check required” cards – at just $35 per year.

OpenSky® Secured Visa®

No Credit Check to Apply

OpenSky® Secured Visa®
  • Regular Purchase APR 17.39% variable based on the Prime Rate
  • Cash Advance APR 17.39% variable based on the Prime Rate
  • Annual Fee $35
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Build credit with on-time payments
  • Reports to the three leading credit bureaus
  • Credit limist between $200 and $3,000
  • Visa benefits and protections
Rates & Fees
  • Regular Purchase APR: 17.39% variable based on the Prime Rate
  • Cash Advance APR: 17.39% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $6 or 5% of the amount of each cash advance, whichever is greater.
  • Annual Fee: $35
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $200
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First Progress

Like the OpenSky, First Progress is another financial institution known for their secured cards for bad credit scores. Their cards also don’t require a credit check.

First Progress secured cards act like a regular credit card. This means that you can use them anywhere Visa is accepted worldwide – currently over 200 million retailers. First Progress features three unique secured cards – all of which require a deposit of at least $200 to open:

First Progress Platinum Prestige Mastercard® Secured Credit Card

The First Progress Platinum Prestige Mastercard® is the first – and possibly best – of the card issuers secured card offerings. The card has a higher annual fee than other products from the bank($49 per year) but features one of the lowest APRs available on a credit card: 9.99%.

The average APR (interest rate) for a secured card is around 18%, meaning the Platinum Prestige offers an APR almost half of the national average.  This great rate makes the card ideal for anyone planning on carrying a balance from month to month.

First Progress Platinum Prestige Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Prestige Mastercard® Secured Credit Card
  • Regular Purchase APR 9.99% variable based on the Prime Rate
  • Cash Advance APR 18.99% variable based on the Prime Rate
  • Annual Fee $49
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 9.99% variable based on the Prime Rate
  • Cash Advance APR: 18.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $49
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

First Progress Platinum Select Mastercard® Secured Credit Card

The First Progress Platinum Select Mastercard®  is the mid-range card from First Progress, designed for people who want a solid interest rate and a lower annual fee. The purchase APR with the Platinum Select is 13.99%. While this rate is 4% higher than the Prestiged, it’s still 4% lower than the national average. The card also has a lower annual fee of $39, which is comparable to the OpenSky Visa.

First Progress Platinum Select Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Select Mastercard® Secured Credit Card
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 13.99% variable based on the Prime Rate
  • Cash Advance APR: 19.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $39
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

First Progress Platinum Elite Mastercard® Secured Credit Card

Finally, the First Progress Platinum Elite Mastercard® is the entry-level card, offering a competitive APR and low annual fee. The interest rate with this card is 19.99%, which is in line with the national average and is perfect for those who don’t plan on carrying a balance every month.

First Progress Platinum Elite Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Elite Mastercard® Secured Credit Card
  • Regular Purchase APR 19.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $29
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 19.99% variable based on the Prime Rate
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $29
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

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Related Article: What are the best secured cards of 2020?

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident rewards expert, covering all facets of the points game – especially travel, hotels, and airlines. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.