Top 6 No-Credit-Check Credit Cards for Building Your Credit Score
Discover the top 6 no-credit-check credit cards perfect for building or rebuilding your credit profile. These cards require minimal or no credit history and offer various benefits, making them ideal for first-time borrowers or those with poor credit. With responsible use, they can help improve your credit score, set financial goals, and establish a solid credit foundation.
Top 6 No-Background-Check Credit Cards for Improving Your Credit
If your credit history is limited or nonexistent, you might find it easier to qualify for credit cards that don't perform credit checks. Lenders offering these cards understand that a low credit score often results from inexperience rather than missed payments, classifying these applicants as low risk. These no-credit-check cards are excellent tools for establishing or rebuilding credit, especially if used responsibly.
Below are some of the most recognized no-credit-check credit cards available today:
Capital One® Platinum Card
This card is ideal for users with limited credit history, requiring less than three years of prior credit. It has no annual fee and no rewards program. The standard variable APR is 24.99%. Making timely payments over the first five months may increase your credit limit. There’s no over-limit fee, but a late fee could be as high as $38. Cash advances have an APR of 24.99%, with a 3% fee.
OpenSky® Secured Visa® Card
This card offers a high approval chance, requiring a credit score between 300 and 639. A refundable deposit of $200 secures your credit line. With a $35 annual fee and an 18.89% variable APR, it also charges a 3% fee on international purchases.
Capital One® QuicksilverOne® Cash Rewards Card
Suitable for frequent spenders with poor credit history, this card has a $39 annual fee and offers 1.5% cash back on all purchases. There’s no intro APR, and after five timely payments, your credit limit is increased. The regular APR is 24.99%, with no over-limit fees and a $38 late fee.
Discover it® Secured
For those with scores between 300 and 639, this card requires a $200 refundable deposit and charges no annual fee. It offers 1%-2% cashback, with higher rewards on gas stations and restaurants after spending $1,000 quarterly. The APR is 24.99%, and the card is reviewed after 8 months for potential transition to unsecured credit.
Citi® Secured Mastercard®
This card helps build credit quickly by reporting monthly activity to bureaus. It requires a refundable security deposit of $200 and has no annual fee. The APR varies between 24.24% and 29.99%. It charges a $35 foreign transaction fee and can be applied for with limited credit.
USAA® Secured Card American Express®
Allowing a flexible credit limit from $250 to $5,000, this card requires a $250 deposit. It has a $35 annual fee, and the APR ranges from 11.65% to 21.65%. Military members benefit from a 4% APR on balances during deployment or PCS, and veterans receive additional perks.
