Best credit cards without a credit check


Credit cards that advertise “no credit checks” may be attractive to those with low credit (FICO ratings of 629 or less) because their application will not impact your credit scores. But often these cards come with high fees and high interest rates – hence the name combine harvester cards.

They can let you dodge this Hard shot on your credit report, but you’ll pay it off in the long run.

But some credit card companies – especially the newer startups in the space – don’t advertise both without credit checks or fees of any kind. Many of these so-called alternative credit cards have proprietary underwriting technology that can assess creditworthiness by looking at other factors, like your bank account, instead of traditional FICO ratings and credit history.

In short, if you have low credit, combine cards, and traditional cards secured credit cards are no longer your only options. Here are some low-cost, no-cost cards that don’t require a credit check.

Best credit cards without a credit check

Tomo Card

Our choice for: Rewards



The Tomo card, issued by the Community Federal Savings Bank, is ideal for those with low or no credit. It earns 1% cash back and may offer a credit limit of up to $ 10,000, depending on eligibility. TomoCredit, the company behind the card, has proprietary technology that weighs many data points including, but not limited to, income (or potential income), account balances, and contact details. The bank uses this data to determine if you are a good candidate for the card.

To provide this information, you must link at least one account through Plaid, a third-party service provider. You can link a checking account, savings account, investment account or other eligible account. Payments are reported to all three major credit bureaus: TransUnion, Equifax and Experian. This is a must have feature when trying to establish credit because these companies collect the information used to calculate your credit scores.


The Tomo Card may have some features that are not ideal for everyone. For example, you cannot carry over a balance from one month to the next with the card. Plus, it forces you to start with a seven-day schedule in which payments are automatically deducted from your bank account.

Mastercard credit growth

Our selection for: Subscriptions


Credit check: The company only performs a smooth credit check, which will not impact your credit score.

Costs: None with the free membership level. (The other levels will cost you dearly.)


The Grow Credit Mastercard is a virtual card issued by Sutton Bank that is user friendly for those with low or no credit. Grow Credit has proprietary technology that examines income to assess creditworthiness. To weigh this information, the company asks you to link a bank account through Plaid.

With the card, you choose one of three membership plans that help you build credit when paying monthly subscriptions or qualifying bills. For example, if you normally pay $ 8.99 per month for Netflix, you can make that payment with the Grow Credit Mastercard. Payments, if made on time and in full, will strengthen your credit. (Eligible subscriptions and invoices vary by membership plan.)

The line of credit is actually a installment loan and is reported this way to the three major credit bureaus.


You cannot use the card for transactions other than eligible invoices and subscriptions. You also cannot carry forward a balance from one month to the next. Plus, it’s tied to an installment loan, so it doesn’t stay open like a traditional line of credit. If you want to keep the loan open after the 12 month period, you will need to renew it.

Note that the two paid membership plans – the Grow membership level (cost about $ 60 annually) and the Accelerate membership level (nearly $ 120 per year) – are not worth the cost. It is money that you will not get back. You are better off with the free membership plan, or opt for a secure credit card which offers a chance to get your deposit back.

Chime Credit Generator

Chime Credit Generator

Our choice for: Chime users


Security deposit: No initial security deposit is required. You decide your credit limit based on the amount you transfer to your secure account.


For those with little or no credit, the Visa Chime Credit Builder Secure Credit Card removes many of the limitations of traditional secure credit cards. A Chime expense account – a free bank account which allows you to receive direct deposits – is required to obtain the card. You will also need at least $ 200 in direct deposits made to the Chime spending account in the last 365 days to show that you have a source of income.

However, this card does not require an initial security deposit like many secured credit cards do, so you are not paying $ 200 which will be wrapped up and untouchable for an indefinite period.

You can also decide how much you spend. The money you transfer from the Chime spending account to the secure Credit Builder account determines the amount of your credit limit. So if you move, say, $ 25 to your secure account, you will be able to spend $ 25 with the card. The money in the secure account can also be used to pay off the balance, and these payments will allow you to accumulate credit. For example, if you spend $ 15 on gas with your secure card, you can use that same $ 25 to pay off the $ 15. Your payments are reported to the three major credit bureaus.


Visa Chime Credit Builder secure credit card requires a Chime spending account to qualify. It’s free to open one, but it takes some extra effort beyond just applying the card. And if you prefer the ability to carry a balance from month to month, this card doesn’t.

Nerdy tip: On July 6, 2021, nonprofit news organization ProPublica reported that Chime clients closed their accounts without notice, leaving them without access to funds. In the ProPublica report, Chime said many account closings were linked to fraud, but he also admitted that several of the closings were errors. If your account is closed by Chime or other neobanks without notice, there is some steps you can take to possibly remedy the situation. Act quickly by contacting the neobank to explain the situation. And, if you are not helped by the neobank, you can file a complaint with the Consumer Financial Protection Bureau.
Capital Bank Open Sky Secure Credit Card
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OpenSky® Secured Visa® Credit Card

Our choice for: Those who are not banked


Security deposit: A minimum deposit of $ 200 is required.

Costs: A $ 35 annual subscription. Depending on your transactions and payments, other fees may apply.

APR: The current APR is 17.39% variable APR.


the OpenSky® Secured Visa® Credit Card is a traditional secured credit card ideal for those with low credit. Among secured credit cards, this is one of the few that allows you to qualify without a credit check or bank account. It also reports payments to the three credit bureaus and allows you to keep a permanent balance.


The card’s minimum deposit requirement of $ 200 can be a hindrance for some. And while the $ 35 the annual fees are low, it is possible to find secured credit cards that do not charge an annual fee. the OpenSky® Secured Visa® Credit Card also doesn’t offer a way to switch to an unsecured card once you’ve established a good payment history, so you’ll need to close your account if you want to get your security deposit back.

GO2bank secure credit card

Our choice for: A low security deposit


Security deposit: A minimum deposit of $ 100 is required.

Costs: Annual fee of $ 0. Depending on your transactions and payments, other fees may apply.

APR: The current APR is 22.99% (at the time of writing).


The GO2bank secure credit card is a solid option for those with poor credit. To apply, you must have a GO2bank account and direct deposits totaling at least $ 100 within the last 30 days. There will be no credit check to apply, and it has a relatively low minimum security deposit requirement among secured credit cards: $ 100. The amount deposited determines your credit limit.

As with a regular credit card, the lower the credit limit, the less you’ll want to spend. Use less than 30% of your available credit limit can help your credit score. The GO2bank secure credit card also reports your payments to the three credit bureaus, which helps you build your credit.


In addition to the required security deposit, the GO2bank Secure Credit Card also requires that you have a GO2bank account to be eligible, which adds another step to the application process. It doesn’t offer a way to switch to an unsecured credit card once you’ve established a good payment history, so you’ll have to close your account if you want to get your security deposit back. The card also charges an overseas transaction fee of 3% on every purchase, so it’s not ideal for traveling overseas.

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