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.

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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 12 monthsregular APR13.49 - 23.49% (V)
intro BT APR 13.49-23.49 3% min $5 fee
rewards 1-2 points/$1 +15000 bonus points
  • get 1500 bonus points after spending $1000 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 15000 bonus

read review
read card review Apply Now
at issuer’s secured site
fair credit
no credit
intro purchase APR no intro offerregular APR20.49 - 20.49% (V)
intro BT APR 20.49 no BT fee
rewards 1-1.25% 
  • get 1% cash back on al purchases

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 APR13.49 - 22.49% (V)
intro BT APR 10.99% for 6 months 3% BT fee
rewards 1 or 5% 
  • earn 5% cashback on rotating quarterly categories 
  • 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

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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 APR15.90 - 24.40% (V)
intro BT APR no intro offer 15.90-24.40%
rewards 1% cash back on eligible purchases, terms apply 

This unsecured card requires no deposit and can help build your credit

Receive opportunities for credit line increases, a fee may apply

See if you Pre-Qualify in less than 60 seconds

Receive 1% cash back on eligible purchases, terms apply

$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

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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

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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
intro purchase APR no intro offerregular APR13.49 - 23.49% (V)
intro BT APR 13.49-23.49% 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
read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR10.40% to 20.40%*
intro BT APR no intro offer 3% BT fee

Best for members rebuilding or establishing credit

It's a real credit card — not a debit or prepaid card.

Determine your own credit limit ($250 to $5,000) with an interest-earning CD.

read review
read card review Apply Now
at issuer’s secured site
bad credit
no credit
intro purchase APR no intro offerregular APR12.00% (V)
intro BT APR n/a no BT fee

no annual fee

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

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

$4.95 activation fee

$1 per transaction

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