Best Credit Cards With No Credit Check (2024)

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No Rewards

The Chime Credit Builder Visa has no annual fee, credit check, or interest. This card is essentially debt-proof, making it a great option for people looking to safely build or rebuild their credit.

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• To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime^® Checking Account
• The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
• The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest*, no annual fees, no credit check to apply, and no minimum security deposit required**
• Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required). Turn on Safer Credit Building* and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®. Experian®. and Equifax®.
• Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
• ^{*No Interest: Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.}
• ^{**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.}
• ^{The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.}
• ^{To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.}
• ^{***Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.}

Up to 10% Reward Rate

The ​​​​​​OpenSky^® Secured Visa^® Credit Card has one of the highest approval rates around, so if your credit score is struggling, you still have a good chance of qualifying for this card. It also earns rewards on qualifying purchases, which is pretty unheard of for a card not requiring a credit check.

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• Earn up to 10% cash back on everyday purchases
• Find out instantly if you are approved, with no credit check required!
• Build your credit with OpenSky. 2 out of 3 OpenSky cardholders increase their credit score by an average of 48+ points in 3 on-time payments
• You can access your FICO score for free to monitor your credit progress.
• Reports to all 3 major credit bureaus.
• Easily add your card to your mobile wallet to make purchases using Apple Pay, Samsung Pay and Google Pay
• Put down as little as $200 to secure your credit line with a refundable security deposit
• Apply for OpenSky in less than 5 minutes right from your mobile device
• Flexible payment due dates allow you to choose any available due date that fits your payment schedule
• Fund your security deposit over 60 days with smaller partial payments

Up to 10% Reward Rate

OpenSky^® Plus is like the regular OpenSky card, but it has no annual fee. The catch? It has a higher interest rate. If you don’t carry a balance, though, there’s no need to worry about that.

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• Earn up to 10% cash back on everyday purchases
• Find out instantly if you are approved, with no credit check required!
• Build your credit with OpenSky. 2 out of 3 OpenSky cardholders increase their credit score by an average of 48+ points in 3 on-time payments
• You can access your FICO score for free to monitor your credit progress.
• Reports to all 3 major credit bureaus.
• Easily add your card to your mobile wallet to make purchases using Apple Pay, Samsung Pay and Google Pay
• Put down as little as $300 to secure your credit line with a refundable security deposit
• Apply for OpenSky in less than 5 minutes right from your mobile device
• Flexible payment due dates allow you to choose any available due date that fits your payment schedule
• Fund your security deposit over 60 days with smaller partial payments

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1% Reward Rate

While most cards for bad or limited credit carry a high interest rate, the First Progress Platinum Prestige Card has a low rate. If you’re likely to carry a balance, this could save you a ton of money. Plus, this card earns 1% cash back on payments.

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• You can choose your own credit line, between $200 and $2000, based on your security deposit
• This card reports to all 3 credit bureaus to help you build your credit.
• There’s no minimum credit score required for approval!
• Keep your balance low and pay your credit card bill on time every month to see an increase in your credit score.

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No Rewards

The Secured Self Visa^® Credit Card doesn’t require you to come up with a large security deposit to open an account. You contribute monthly installments to your Self Credit Builder Account until you’ve contributed enough to cover the required security deposit amount.

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• Start with a Credit Builder Account, make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa^® Credit Card, without a hard credit check.
• Your savings progress from your Credit Builder Account acts as your security deposit for your secured Credit Card.
• No credit score or hard credit check is needed to get started.
• Can pay as little as $25/month
• Reports to all 3 credit bureaus.

^{Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.}

^{Self Visa® Credit Card issued by Lead Bank or SouthState Bank, N.A., each Member FDIC. See self.inc for details.}

^{*Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.com/pricing}

This card doesn’t earn any rewards.

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Earn up to 10% cash back on everyday purchases. OpenSky Rewards links offers from merchants directly to your card, allowing you to automatically earn cash back.

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Earn up to 10% cash back on everyday purchases. OpenSky Rewards links offers from merchants directly to your card, allowing you to automatically earn cash back.

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