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Credit Cards with No Credit Checks


Below is a list of credit cards with no credit checks. You will approved if you meet their criteria which excludes looking at your credit scores.
 

Secured Credit Cards with No Credit Checks

The following secured credit cards has no credit checks. Some require that you set up a mobile banking account with them and a direct deposit. Others require that you only fund your security deposit.
 

Chime Credit Builder Secured Credit Card

chime credit builder secured

WHAT WE LIKE

The Chime Credit Builder Secured Visa Credit Card has no annual fee and does not check your credit. It is different from other secured credit cards in that you can use your security deposit to pay your bills. When you do that, you credit limit decreases with your security deposit, but you can always top it up. In fact, Chime lets you top up a set amount every month automatically. In fact, the Chime secured card behaves more like a prepaid card but yet reports to all three major credit bureaus and allows you to build or rebuild your credit.
 

WHAT WE DO NOT LIKE

While there are no credit checks, you need to set up a savings account with Chime and also a recurring direct deposit. You also have to direct deposit $200 into your savings account before you can open your secured credit card. You also have to pay in full every month and cannot carry a balance.
 

KEY TERMS


Annual Fee - $0
Regular APR - 0% - have to pay in full every month
Read our review of the Chime Credit Builder Secured Visa




Go2Bank Secured Credit Card

go2bank secured

WHAT WE LIKE

The GO2bank secured credit card does not check your credit report and will definitely approve you. There is no annual fee and the minimum deposit is only $100 (which is less than most secured credit cards)
 

WHAT WE DO NOT LIKE

You do have to set up a savings account with GO2bank and also a recurring direct deposit. Once you have direct deposited $100 into your savings account, you can then apply for the secured credit card (which you will definitely be approved). You can increase your security deposit at a later date but you do have to seek GO2bank's approval and they may require you to show your paystub and income.
 

KEY TERMS


Annual Fee - $0
Regular APR - 22.9%
Read our review of the GO2bank Secured Visa




Opensky Secured Credit Card

opensky

WHAT WE LIKE

Opensky Secured Visa does not perform any credit checks. Furthermore, you do not need a checking account. You can fund your security deposit with a debit or prepaid card and even with Western Union or Moneygram. You will be approved and get your card as long as you fund your security deposit.
 

KEY TERMS


Annual Fee - $35
Regular APR - 17.39%
Read our review of the Opensky Secured Visa




First Progress Secured Credit Card

First Progress Secured Mastercard

WHAT WE LIKE

First Progress performs no credit checks when you apply. Instead, the only requirement is that your income must exceed your expenses by the amount of security deposit you intend to fund. You will be approved and get your card once you fund your security deposit. You can also get an incredibly low APR at 9.99%.
 

KEY TERMS


Annual Fee - $29, $39 or $49
Regular APR - 19.99%, 13.99% or 9.99%

Read our review of the First Progress Credit Card.




Applied Bank Visa Gold Preferred Secured Credit Card

applied bank secured credit card

WHAT WE LIKE

Applied Bank is a secured credit card does not check your credit when you apply and you will be approved as long as you fund your security deposit. It has an incredibly low APR at 9.99%. Furthermore, you do not need a checking account to apply. You can fund your security deposit with a debit card.
 

WHAT WE DON'T LIKE

Though the regular APR is low, there is no grace period so interest will accrue the moment you charge the item to the card.
 

KEY TERMS


Annual Fee - $48
Regular APR - 9.99%
Read our review of the Applied Bank Secured Credit Card.




No Credit Check Credit Cards With No Deposit

The following unsecured credit cards do not check your credit. Instead, they rely more on your bank account balance, income and spending patterns for approval.
 

Grow Credit Mastercard

grow credit mastercard

WHAT WE LIKE

The Grow Credit Mastercard acts allows those with little cash to start building a credit history by having a credit card that just allows you to use for subscription monthly services like Netflix, Hulu etc. You have to pay in full and your payments will be reported to the three major credit bureaus.
 

WHAT WE DO NOT LIKE

The Grow Credit Mastercard can only be used for subscription services and nothing else. The limits are quite low. There are also different membership levels (some come with monthly fee) that give you higher limits. You should definitely read our reviews to see if this is an appropriate for you to build or rebuild your credit.
 

KEY TERMS


Monthly Fee - $0/m, $4.99/m or $9.99/m
Regular APR - 0% - have to pay in full every month
Read our review of the Grow Credit Mastercard




Tomo Mastercard

tomo mastercard

WHAT WE LIKE

The Tomo Mastercard does not perform any credit checks. Instead, you are required to link your bank account through PLAID. They will check your income, spending habits and approve you based on these factors rather than your credit report. So for those who no credit history or less than perfect credit but with a good income, this is a credit to consider. There is no annual fee, but you have to pay in full every 7 days.
 

WHAT WE DO NOT LIKE

You have to pay in full and every 7 days. If you are used to a prepaid credit card, this may not be an issue with you. But those of you who have been using regular credit card, paying every 7 days and not being able to carry a balance will require a change in habits.
 

KEY TERMS


Monthly Fee - $0
Regular APR - 0% - have to pay in full every month
Read our review of the Tomo Mastercard