Best Credit Cards With No Credit Check (2026)

Credit cards that approve you without pulling your credit report. No hard inquiry, no score requirement. Based on your deposit and income, not your past mistakes.

Written by Harvey Brooks, Senior Financial Editor

TL;DR Quick summary

OpenSky Secured Visa has the highest stored approval-context claim with no credit check and no bank account needed. Chime Credit Builder is profiled if you already use Chime for banking. These cards still report to credit bureaus to help build your score.

Key Takeaways

No credit check cards are usually secured cards requiring a deposit
They report to credit bureaus just like regular credit cards
Approval is based on identity verification and deposit ability
Annual fees vary from $0 (Chime) to $35+ (OpenSky)

When every card application ends in denial, a no-credit-check card can break the cycle. These secured cards base approval on your ability to make a deposit and verify your identity — not on your credit score or history. No hard pull means no additional damage to your score. If you have $200 and valid ID, you can have a credit card that reports to all three bureaus and starts rebuilding your score immediately. We evaluated every major no-credit-check card on approval rates, fees, bureau reporting, and upgrade paths. Here are the options to compare for 2026.

1

OpenSky Secured Visa Credit Card

No stored Google rating

Details vary by provider BBB: A No-credit-check claimNo Annual Fee

Secured Visa credit card with no credit check and 87% approval rate. No bank account required. Reports to all 3 bureaus. Issued by Capital Bank, N.A. (FDIC insured).

No credit check required — won't add a hard inquiry to your credit report

87% approval rate — one of the highest for any credit card

No bank account required — accepts deposits via debit card or money order

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2

Chime

No stored Google rating

Details vary by provider BBB: A+

Fee-free online bank with early direct deposit, SpotMe overdraft protection, and a secured Credit Builder card that reports to all 3 bureaus. No credit check, no minimum balance.

Completely free — no monthly fees, no minimums

Credit Builder card builds credit with no risk of debt

No credit check for any product

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3

Self

No stored Google rating

Details vary by provider BBB: F

Credit-builder loans that help you build credit history while saving money. No credit check required. Reports to all 3 bureaus.

No credit check — anyone can apply

Reports to all 3 bureaus (most competitors do 1-2)

You get your money back at end of term

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4

First Progress Platinum Elite Mastercard Secured

No stored Google rating

Details vary by provider BBB: A+ No-credit-check claim

Secured Mastercard with no credit check and straightforward approval. Choose your deposit ($200-$2,000). Reports to all 3 bureaus. Three card tiers with annual fees from $29-$49. Issued by Synovus Bank.

No credit check required — approval based on deposit and identity only

Reports to all 3 major credit bureaus monthly

Three tier options let you choose your fee/APR trade-off

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Frequently Asked Questions

Can you get a credit card with no credit check?

Yes. Several secured credit cards skip the credit check entirely, including OpenSky Secured Visa, Chime Credit Builder, and First Progress. They require a security deposit instead of a credit check for approval.

Do no credit check cards build credit?

Yes. Most no credit check secured cards report your payment history to all three major credit bureaus (Experian, Equifax, TransUnion). Making on-time payments and keeping low utilization will build your credit score over time.

More providers in this category

Beyond the ranked list above, these 12 providers cover the same category in our directory. Click through to compare CFPB complaint data, Google ratings, and BBB standing side-by-side.

Capital One Platinum Secured Credit Card

McLean, VA

Discover it Secured Credit Card

Riverwoods, IL

Greenlight Financial Technology

Atlanta, GA

★ 3.8 · 500 reviews

Boost Credit 101

Denver, CO

★ 4.8 · 79 reviews

Coast Tradelines

New York, NY

★ 4.9 · 55 reviews

Credit Rent Boost - 950 Credit, Inc

Phoenix, AZ

★ 4.7 · 230 reviews

GoCredit.me - Bedford Park

Chicago, IL

★ 4.7 · 50 reviews

GoCredit.me - Halsted

Chicago, IL

★ 4.4 · 68 reviews

GoCredit.me - Lake & Western

Chicago, IL

★ 4.9 · 241 reviews

GoCredit.me- Lansing

Lansing, IL

★ 4.9 · 823 reviews

Smith Financials LLC

Memphis, TN

★ 4.8 · 59 reviews

Bella Sloan Enterprises

Jenkintown, PA

★ 5.0 · 829 reviews

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Use This Guide With Regulatory Research

List-style guides are starting points. Compare each provider profile with local guides, state lending-law resources, CreditDoc tools, and CFPB complaint-data context before relying on a ranking, offer, or advertised rate. Every listing on this page is a research anchor, not a recommendation. Combine the ranking with a licensing check via your state agency, a check of the CFPB complaint database, and a written Truth in Lending disclosure before you sign anything.

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HB

Harvey Brooks

Senior Financial Editor

Harvey Brooks is a consumer finance writer specializing in credit repair, personal lending, and debt management. With over a decade covering the industry, he makes financial literacy accessible to everyday Americans. About our editorial team.

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