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Best Credit Cards With No Credit Check Advertiser disclosure We’ll make you our top priority. Each time. We believe everyone should be able to make financial decisions with confidence. While our website doesn’t include every financial or company product on the market however, we’re confident that the guidance we offer, the information we provide and the tools we develop are objective, independent simple, and cost-free. How do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on the site), but it does not affect our advice or suggestions which are based on hundreds of hours of research. Our partners do not promise us favorable reviews of their products or services. . Best Credit Cards With No Credit Check Some credit cards, especially those from the newest companies, offer no credit check and zero fees — an ideal combination for people with poor credit. Here are our top picks. By Melissa Lambarena Lead Writer | Credit cards and debt Melissa Lambarena is a lead writer for the credit cards group at NerdWallet. She has enthusiastically covered the subject of credit cards for more than six years. Her previous experiences include nine years as a content creator for several publications and websites. Through her work, she hopes to assist readers in extracting benefits from credit cards in order to help them achieve financial goals such as expanding their budgets, building credit, traveling to dream destinations and repaying debt. She focuses on these subjects along with others in the Millennial Money column featured in The Associated Press. Her writing has also been featured on The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa has a bachelor’s level degree in sociology from the University of California, Los Angeles. Jan 19 2023, 2023 Edited by Kenley Young Assigning Editor Credit scores, credit cards Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a web editor and digital content producer at Fox Sports, and before being a front-page editor at Yahoo. He has decades of experience in digital and print media, including times as chief of the copy desk and wire editor as well as a metro editor of McClatchy. McClatchy newspaper chain. Email:

. The majority of products we feature are made by our partners, who we pay. This impacts the types of products we write about and where and how the product appears on a page. But, it doesn’t influence our evaluations. Our views are our own. Here’s a list and . Credit cards that claim to offer “no need for credit checks” are appealing to those with low credit scores (FICO scores that are 629 or lower), since applying for them won’t hurt your credit scores. However, these cards typically are accompanied by high costs as well as high interest rates — which is why they’re called “no credit check.” They might help you avoid that mark on your credit report however, you’ll be paying for it in the long run. Some credit card companies — especially those that are relatively new in the market — are advertising both no credit check and no fees of any kind. Many of these so-called are using proprietary underwriting technologies that evaluates the creditworthiness of a person by looking at other aspects, such as your bank account, instead of credit and traditional histories. If you have poor credit, fee-harvester cards and traditional credit cards are no longer your only alternatives. Below are a few low- and no-fee cards that don’t require a credit check. Read more: Best credit cards without a credit check. The ratings of NerdWallet are set by our editorial staff. The scoring formula takes into account the nature of the card being examined (such as cash back, travel or balance transfer) as well as the card’s rate, fees, rewards and other features. Chime Credit Builder Visa(r) Credit Card Our pick for: Chime users CARD DETAILS Credit check Credit check: There is no credit check. Security deposit: No upfront security deposit is required. You decide your credit limit based on how much you move to your secured account. Fees: None. APR: None. What we like about it for those with poor credit or no credit, the eliminates the restrictions of secured credit cards that are typically used. A — a bank account that is free and allows you to receive direct deposits is required to obtain the card. It is also required to have at least $200 in direct deposits made to the Chime Spending Account within the last 365 days to prove you have a sources of revenue. However, this card doesn’t have to make an upfront security deposit like most secured credit cards do and you’re not paying $200 that will be locked away and inaccessible for an undetermined amount of time. You also get to choose how much you spend. The money you move to Chime Spending Account to Chime Spending account to your Credit Builder secured account determines the credit limit. If you transfer for example, $25, to your secured account and then spend that amount using the card. The money that’s in your secured account can also serve to help pay the balance. Those payments can be used to build credit. For instance, if you spent $15 on gas with your secured card, you’ll be able to transfer the $25 you transferred into your secured account to pay off the $15. Your payments are reported to all three: TransUnion, Equifax and Experian. These companies collect the information that is used to calculate your credit score. Drawbacks Chime Credit Builder Visa(r) Credit Card requires an Chime Spending Account to qualify. It’s not expensive to open one, but it requires some extra effort beyond what the card’s application. And if you prefer the option to carry the balance from month months, this card does not allow this. A Nerdy Tip On the 6th of July, 2021, the nonprofit news outlet ProPublica reported that Chime customers’ accounts were shut down without notice, leaving the customers without access to their funds. The ProPublica report said that Chime claimed that many closures were linked to fraud, however it also acknowledged that some of the closures had been mistakes. If your account has been shut down by Chime or another neobank without notification, there is a way to possibly rectify the situation. Act quickly by contacting the neobank directly to discuss the situation. And if you aren’t helped by the neobank or the bank’s representatives, you can complain to the Consumer Financial Protection Bureau. Find out more about Chime Chime says the following the following: The Chime Credit Builder Visa(r) Card is issued by Stride Bank, N.A. and is a Member of FDIC, pursuant to an authorization issued by Visa U.S.A. Inc. and is able to be used wherever Visa credit cards are accepted. To be eligible the Credit Builder, you must have had a single qualifying direct deposit of at least $200 to your checking Account. The direct deposit that qualifies as qualifying must come from your payroll provider, employer gig economy payee, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anywhere transfers as well as verification or trial deposits from financial institutions peer-to-peer transfers made through services like PayPal, Cash App, or Venmo Mobile cash loads, check deposits or deposits as one-time direct deposits like tax refunds or others similar to these transactions and any deposits to which Chime deems to not be an eligible direct deposit are not considered to be qualifying direct deposits. Money added to Credit Builder is kept in a secured account to serve as collateral for the Credit Builder Visa credit card that means you are able to spend up to this amount on your credit card. It is the money you use to pay off your bills at the end of every month. >> MORE: Find the most suitable credit card for your needs. Check your credit score at any time, and NerdWallet will show you which credit cards have more sense. The NerdWallet ratings are made by the editorial staff. The scoring formula is based on the nature of the card being evaluated (such such as cashback or balance transfer) and the card’s rates as well as fees, rewards, and other features. Tomo Credit Card Our pick for: Rewards CARD DETAILS Credit check Credit check: None. Security deposit The amount is not disclosed. Fees: None. APR: None. Why We Like It The , issued by Community Federal Savings Bank, is perfect for people with poor credit or no credit. It earns cash-back of 1% and could provide a credit limit of $10,000, subject to the eligibility. TomoCredit, the company behind the card, uses exclusive technology that evaluates a variety of data points including, but not only, income (or earnings potential) as well as account balances as well as contact details. The bank uses this data to determine if you’re a suitable potential candidate to get the credit card. To provide the required information, you’ll need to connect at least one account to an outside service provider. You can link a checking account, savings account, investment account or another suitable account. Payments are reported to all three credit bureaus, a essential feature to have when looking to build credit. Drawbacks Tomo Credit Card may have certain features that aren’t suitable for everyone. For instance, you can’t carry a amount from one month into the following with the card. Additionally, you have to start with a seven-day calendar that allows payments to be taken out of your bank account. More: NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such such as cashback or balance transfer) as well as the card’s rate, fees, rewards and other benefits. Grow Credit Mastercard Our pick for Subscriptions CARD DETAILS Check your credit score: This company has a credit check, which doesn’t have an impact on your credit score. Deposit for security: No for the majority of membership plans. Fees: None with the free membership tier. (Other tiers will cost you.) APR: None. WHY WE LIKE IT The is a virtual card issued through Sutton Bank that is friendly to people with bad credit or having no credit. Grow Credit has proprietary technology that looks at income to assess creditworthiness. To evaluate that information it is required to join to a bank account via . The card lets you can choose from four membership plans to help you build credit while you pay for eligible monthly subscriptions or bills. For instance, if you usually pay $8.99 per month for Netflix and other streaming services, you could pay for that subscription using your Grow Credit Mastercard . The payments, if made punctually and in full, will build your credit. (Qualifying charges and subscriptions differ depending on the membership plan.) This Grow Credit Mastercard reports payments to the three major credit bureaus. Drawbacks You aren’t able to use the card to make any other purchases other than the qualifying bills and subscriptions. You also can’t carry the balance between months. Two of the paid membership plans — the Grow membership tier (annual cost of about $60) as well as the Accelerate tier (nearly $120 per year) isn’t worth the expense. That’s money you won’t get back. It’s better to go with Grow Credit’s free membership plan or Secured membership. It’s also worth checking out a option that allows you to receive your deposit back. >> MORE: NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration the kind of card being evaluated (such like cash-back or balance transfer) and also the card’s rates charges, fees, rewards as well as other benefits. OpenSky(r) Secured Visa(r) Credit Card Our pick for: Those who are unbanked CARD Details Credit check Check: None. Secure deposit A minimal deposit of $200 is needed. Fees: A $35 annual fee. Based on the transactions you make and payment, additional fees could be charged. APR: The APR for the current year is 21.64% Variable APR . What we like about it is a standard secured credit card, which is perfect for those with poor credit. When it comes to secured credit cards it’s one of the few which allow you to apply without a credit check or bank account. It reports your payments to all three credit bureaus, and let you carry a balance that is ongoing. DRAWBACKS The card’s minimum amount of $200 for deposits could be an obstacle for some. While the annual $35 fee is on the low end, it’s possible to locate secured credit cards which don’t have an annual fee. Nerdy Tip For a limited period of time, the moment you make an application for this credit card you can qualify for an automatic $50 credit line upgrade after three on-time payments, up to $200 within your first year, with no additional deposit required. The terms and conditions apply. >> MORE: GO2bank Secured Credit Card Our choice for a lower security deposit. CARD DETAILS Credit check Check: No. Deposit security: A minimal deposit of $100 is needed. Fees: A zero annual cost. Based on your transactions and payment, additional fees may apply. APR: The current APR is 22.99 percent (as of the time of writing). Why We Like It The GO2bank Secured Credit Card is a solid alternative for people with weak credit. For eligibility, you’ll have be a member of a GO2bank account and direct deposits of at least $100 over the past 30 days. The card doesn’t require any credit checks required to apply. This GO2bank Secured Credit Card has a relatively low amount of security deposits required for secured credit cards: $100. The amount deposited determines the credit limit. Like a traditional credit card, the smaller your credit limit is, the less you’ll need to spend using the card. can help your credit score. Credit score improvement is possible with the GO2bank Secured Credit Card reports your payments to all three credit bureaus, helping you build credit. Drawbacks Aside from the mandatory security deposit in addition, this GO2bank Secured Credit Card additionally requires that you have an GO2bank account in order to be eligible, this adds an additional step to the application process. It does not offer the option to upgrade to an unsecure credit card once you’ve established a good payment history, so you’ll have to close your account if you wish to receive your security deposit back. The card also has a 3% foreign transaction fee per purchase, which makes it suitable for travel overseas. >> MORE: (Card image courtesy of GO2bank) Self Visa Credit Card Our choice for: A combination of credit-building features CARD DETAILS Credit check No. Security deposit There is no upfront security deposit is required. You decide your credit limit depending on the amount you deposit into the Credit Builder account. Fees: A $25 annual fee. Based on the transactions you make and payment, additional fees may apply. APR: Vary based on a variety of factors, including the amount you decide to pay per month. Why We Like It In order to be eligible for this credit, you must have the Credit Builder Account which is a small installment loan which is held in a bank certificate. It can be beneficial for your credit scores if you make timely payments. It is important to note that the Self Visa Credit Card and the Credit Builder Account are both reported to all three major credit bureaus. The former as a revolving line credit, and the latter in the form of an installment loan. To start, you’ll open an Credit Builder Account in which you’ll make monthly installments that start from $25 per calendar month contingent on the loan period. If you’ve made a contribution of $100 and satisfied other requirements and other requirements, you’ll be able to use the money to cover a security deposit for your Self Visa Credit Card. This is a great option for those who’s budget would benefit from making a deposit in smaller installments over time. You’ll eventually get this money back after you close the account in good standing. DRAWBACKS A $100 security deposit is considerably less than the amount required by many traditional credit cards that are secured, but over time in the long run, the loan and card together could be more expensive. Contrary to many secured credit cards The Self Visa Credit Card charges an annual fee, and it charges a one-time administration fee of $9 to establish the Credit Builder Account. You can’t get the card immediately. You’ll need to get over a few hurdles first, like saving $100 or more within the Credit Builder Account in order to make the final three monthly payments in full, and having an account in good standing. (Card image from Self) >> MORE: About the author: Melissa Lambarena is a credit card writer for NerdWallet. Her work has been highlighted in The Associated Press, New York Times, Washington Post and USA Today. On a similar note… Discover the right credit card for you. If you’re looking to pay less interest or earn rewards, the right card’s available. Answer a few simple concerns and we’ll refine your selection for you. 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