Credit Cards that do not Require a Credit Check

Credit cards without a credit check

This is credit cards 101: when you apply for the credit card, a bank pulls out your credit report from major credit bureaus and assesses your credit-worthiness based on that information.

The problem comes when you do not have a credit history at all (no credit situation) or it contains some unwanted adverse events like failed payments or even bankruptcy (bad credit situation).

read card review Apply Now
at issuer’s secured site
bad credit
intro purchase APR n/aregular APRSee website for Details*

no fees

Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.

Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.

read review

In both situations, most credit card offers are not accessible for the customer except for special products with no credit check or loyal to bad credit history. Let’s look deeper at different cases.

Students

Students usually do not have a credit history before getting a first loan or credit card. Under the Credit Card Act of 2009 provisions, young people under 21 cannot get a credit card without a co-signer, so you do not to have a credit history yourself but need to be able to bring a co-signer with a good credit score to be approved. There’s a lot of student offers from major and smaller banks available. Some of our favorites are:

read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR 0% for 7 monthsregular APR14.24 - 24.24% (V)
intro BT APR 14.24-24.24 4% min $5 fee
rewards 1-2 points/$1 +2,500 bonus points
  • get 2,500 bonus points after spending $500 in the first 3 months
  • earn 2x points on dining out and entertainment

 

no annual fee

no credit needed for students

up to 2x points and 2,500 bonus

read review
read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR19.99 - 19.99% (V)
intro BT APR 19.99% no BT fee
rewards 1-1.25% +25% for paying on time
  • get 1% cash back on al purchases
  • and earn +25% on your rewards when you pay on time

 

no annual fee

student card

up to 1.25% cash back

read review
read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR 0% for 6 monthsregular APR12.99 - 21.99% (V)
intro BT APR 10.99% for 6 months 3% BT fee
rewards 1 or 5% 
  • earn 5% cashback on rotating quarterly categories up to $1,500 quarterly limit in purchases
  • 1% cashback on all purchases
  • double cashback for first year
  • $20 cashback annual  bonus if your GPA is 3.0 or greater

 

no annual fee

no credit needed

5% cashback on changing categories

double first year cashback

read review

Newcomers

It is more difficult for adults with no credit history – this is especially true for newcomers to the country. You cannot apply out-of-the-country credit history in the US even if it is flawless. There is an option to have a co-signer, but it is not that easy to find someone in a new country who will put his credit at risk for you.  The best solution is to use credit cards designed specifically for people with no credit – Capital One Platinum is one of the most popular. These cards usually have much higher APR and a low initial credit limit, but will help you in building a credit history in a couple of years of wise credit card use.

read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR no intro offer no BT fee
  • no annual fee
  • for average or no credit
  • high 24.99% APR
read review

Another option to consider is a secured card (read more about secured cards below).

People with bad credit:

With bad credit, you have several options as well. In any case, it helps if you start with a store and a gas card combination.

read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR15.65 - 24.15% (V)
intro BT APR no intro offer 15.65-24.15%
rewards 1% on gas and groceries, terms apply 

See if you Pre-Qualify without harming your credit score

1% cash back on gas & groceries, terms apply

This is a fully unsecured credit card with no deposit requirement

$0-$99 annual fee

read review
read card review Apply Now
at issuer’s secured site
bad credit
intro purchase APR no intro offerregular APR26.99% (V)
rewards 5c/10c per gallon 

no annual fee

can be used at 76, Conoco or Phillips only

read review

Bankruptcy credit cards

Some banks offer the type of products with small limits and high APRs. Milestone® MasterCard® with Free Choice of Card Image is one of them.

read card review Apply Now
at issuer’s secured site
good credit
fair credit
intro purchase APR no intro offerregular APR23.9%

$35-$99* annual fee

real credit card for a less than perfect credit

*Dependent on credit worthiness

read review

Secured credit cards

Designed to build your credit history from scratch or to rebuild a damaged credit, secured cards require a security deposit on a bank account that serves as collateral against your line of credit. Pure secured cards’ credit limit exactly matches your security deposit, but there are hybrid offers that let you, for example, enjoy a $500 limit for a $250 deposit.

Sometimes banks let you start with a pure secured solution then upgrade your limit without an additional deposit and finally let you graduate to an unsecured card.

Important details to watch when selecting a secured card: the card should report to 3 major credit agencies to build your credit score – some banks report to unknown organizations which doesn’t help your score. Another must-have on a secured card is a grace period – it is much more convenient to have it even if you pay off your balance in full every month (which is highly recommended for credit building).

read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR11.75% (V)
intro BT APR n/a no BT fee

no annual fee

read review
read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR9.90 - 19.90% (V)
intro BT APR no intro offer 3% BT fee

$35 annual fee

reports to 3 bureaus

no penalty APR

read review
read card review Apply Now
at issuer’s secured site
bad credit
intro purchase APR no intro offerregular APR23.24% (V)
intro BT APR 23.24% 3% BT fee $5 min
rewards 1x-2x miles per dollar +5,000 bonus
  • 2x miles on gas and groceries
  • 1x miles on all other purchases
  • get 5,000 bonus on first card use

 

$25 annual fee

$0 first-year fee

reports to credit agencies

24 days grace period

unsecured card offer after 12 months

read review

Prepaid cards

Mostly, prepaid cards do not require any credit checks and are very easy to get. The downside to this is that they are not covered under the CARD Act and usually have high fees and are difficult to understand terms.

Another problem is that prepaid cards do not give you any line of credit and hence do not report to credit bureaus and do not help you in building credit. Some exclusions exist, like Account Now Prepaid card, but they usually work as a secured card despite being marketed as prepaid.

read card review Apply Now
at issuer’s secured site
bad credit

$9.95 monthly fee

$15 bonus on direct deposit

read review
read card review Apply Now
at issuer’s secured site
bad credit

$4.95 activation fee

$1 per transaction

read review



Leave a comment

Filtered HTML

  • Web page addresses and e-mail addresses turn into links automatically.
  • Allowed HTML tags: <a> <em> <strong> <cite> <blockquote> <code> <ul> <ol> <li> <dl> <dt> <dd>
  • Lines and paragraphs break automatically.

Plain text

  • No HTML tags allowed.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Lines and paragraphs break automatically.


SIGN UP TO GET FREE
CREDIT SCORE UPDATES
and
exclusive members-only deals
Follow us
Facebook Twitter Google+