Best No Credit Check Credit Cards in 2024 | LendingTree (2024)

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on Capital Bank, N.A.'s secure site

The OpenSky® Secured Visa® Credit Card has a very high approval rate, with no credit check or bank account required to open. Cardholders with on-time payments will see a credit line increase automatically in as little as six months, and then potentially every three months thereafter. Compared to other secured cards, the APR is reasonable, though it is still advised to pay your balance in full each month to help build your credit.

While this card doesn’t require a bank account for approval, you’ll have to provide some financial information, including your annual income, monthly housing payment and housing payment type. The OpenSky^® Secured Visa^® Credit Card also offers the option to transition to an unsecured card after demonstrating responsible card usage.

• New feature! Earn up to 10% cash back* on everyday purchases
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
• *See Rewards Terms and Conditions for more information

on Applied Bank's secure site

Though your goal with any credit card is to try not to carry a balance, if you think you may from time to time, the Applied Bank®Secured Visa®Gold Preferred®Credit Card has one of the lowest APRs around. At just 9.99% (Fixed), you can keep your balance relatively manageable if you need some extra time to pay it down.

Beware, however, that the Applied Bank^®Secured Visa^®Gold Preferred^®Credit Card doesn’t offer a grace period. This means that you’ll be charged interest from the transaction date of your purchase — in contrast, most credit cards give cardholders at least a 21-day grace period in which they won’t be charged interest until their statement due date.

The Applied Bank^®Secured Visa^®Gold Preferred^®Credit Card is intended for individuals with limited/poor credit.

• Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
• Absolutely No Credit Check or Minimum Credit Score Required
• Automatic Reporting to All Three National Credit Bureaus
• 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
• Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

The Self Visa® Credit Card is a solid choice for consumers willing to play the long game with building credit — since you need to have a credit builder loan with Self before you can get this secured card.

Once you have your Credit Builder account, you’ll need to meet the following additional criteria to be eligible for the Self Visa® Credit Card:

• Make three monthly payments on time
• Have $100 or more in savings progress
• Have your account in good standing

After three months of on-time payments, you can use $100 (or more) of your payback amount to serve as your card’s security deposit. It is important to note, though, that you’re unable to use the card outside the United States. You should also know that once you’ve paid off your credit builder loan, the amount you put toward the card’s security deposit will not be included in the payout. To get the deposit refunded, you’ll have to pay the card off in full and close it.

• Open a path to a secured credit card
• No hard credit pull. No credit score required.
• Start with a Credit Builder Account* that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings.
• Backed by savings you’ve already built. Your savings progress from your Credit Builder Account secures your credit card and sets your limit. Have an active Credit Builder Account in good standing, make at least 3 monthly payments, have $100 or more in savings progress and satisfy income requirements. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check.
• Stay on track with credit utilization monitoring, autopay, account reminders, an app, and dedicated customer support
• No additional money upfront**
• Micro-pay your way to the deposit***
• *Credit Builder Account — proceeds are held in a deposit account until maturity.
• **Your Credit Builder Account savings progress secures your card and sets your limit.
• ***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.

on Emigrant Bank's secure site

Startup companies need a reliable payment method, but many business card issuers perform a personal credit check that can impact the cardholder’s personal credit — Brex For Startups doesn’t.

To qualify, your business will have to meet strict eligibility requirements. Instead of looking at your credit history, the issuer will consider your business’s finances, including revenue and cash reserves, as well as how many employees you have.

If you become a cardholder, you’ll get competitive rewards on popular business spending categories. Note that you will need to link to a Brex Cash account and pay daily to qualify for top reward rates.

• No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
• Credit limits 10-20x higher than traditional small business corporate cards.
• $500,000 bank balance required to qualify for Brex.
• Exclusive signup offers from the best products and tools for your business (e.g. AWS, Apple, QuickBooks, UPS) worth over $180,000 in value.
• Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
• Miles transfer program to top airline loyalty programs.
• 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
• Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text and email. Instantly add new users and set spending limits.

on The Bancorp Bank's secure site

If you’re already a Chime customer (or thinking of becoming one), the Secured Chime Credit Builder Visa® Credit Card is ideal for establishing a credit history.

Though it’s a secured card, the Secured Chime Credit Builder Visa^® Credit Card is unique, in that your deposit isn’t held. Instead, you’ll transfer over an amount from your Chime checking account to serve as your credit limit, and payments can be drawn from there — with no fees or interest charged**. All the while, your positive payment behavior is reported to the credit bureaus to boost your credit.

Since your credit limit comes from how much of your Chime bank balance you transfer over, it’s harder to get into trouble with utilization or late payments.

• No annual fees or interest,* no credit check to apply, and no minimum security deposit required³
• Help increase credit score by an average of 30 points¹
• View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
• Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
• Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
• Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
• Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
• Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account and receive a qualifying direct deposit of $200 or more². See www.chime.com to learn more.
• Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.
• *No interest: Out of network ATM withdrawal fees may apply. See here for details.

  ¹ Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

  ² To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your 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 loads or 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.

  ³ 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.

  ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonusoffers and independent research. Credit card issuers do not influence or have a say in our card ratings.Read our credit card methodology here.

• Initial credit limit ranges from $300 to $1,000
• Double your credit limit when you make the first six monthly minimum payments on time
• Mastercard zero liability protection
• Monthly reporting to all three major credit bureaus
• Free monthly credit score

• 1% Cash Back Rewards on payments
• Choose your own credit line - $200 to $2000 – based on your security deposit
• Build your credit score.¹ Reports to all 3 credit bureaus
• No minimum credit score required for approval!
• ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.