No credit check credit cards can help people with poor credit establish a good credit history. In most cases, there is a credit card for nearly everyone plus you can be approved within minutes.
It will likely take up to 6 months to establish your credit files with on-time monthly payments.
When your credit is really bad, no credit check credit cards can help you bounce back. But you must use credit responsibly. Credit cards are simple, easy to use tools to build or rebuild credit history when properly managed.
That’s because credit card issuers report payment history and other facts about your account to the major credit bureaus: Experian, TransUnion and Equifax.
How no credit check credit cards work
When you apply for a credit card, most credit card issuers will check your credit reports. But with no credit check credit cards, the credit card issuer will pre-qualify you prior to running a hard inquiry credit check.
When a credit card company pre-qualifies you, they make a soft-inquiry on your credit files. Soft inquiries don’t take points off your credit scores.
To get a no credit check credit card, you’re usually only required to:
- Have a source of income
- Have a checking account
- Be at least 21 years old or 18 years old with either a parent’s permission or a verifiable source of income
- Have a Social Security number
Get prequalified – no credit check credit cards
- LIMITED TIME OFFER: 0% introductory APR on all purchases for the first six months.
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- View our Cardholder Agreement located at the bottom of the application page for details of the card.
Need a checking account for bad credit? Check out 10 Banks that open Second Chance Accounts for Bad Credit.
- Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
- Build up your credit history with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t.
- Easy and secure online application – It takes just moments to apply.
- Issued by Synovus Bank, Member: FDIC.
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- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Program Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
What to watch out for with no credit check credit cards
There are a few downsides to no credit check credit cards that you may want to consider.
High interest rates: You can expect no credit check credit cards to have higher interest rates. That’s because credit card companies that deal with subprime credit often charge high APRs to hedge the risks that come with bad credit.
High fees: Expect several fees to come with no credit check credit cards. There may be an application, setup, and maintenance fees.
No rewards or benefits: Unlike many of the top travel or cash back cards, these cards usually don’t come with any perks.
How to manage your new credit accounts
Pay your bill in full each month to avoid owing interest. Interest is the is the price you’ll pay for borrowing money. If you carry a balance, you’ll pay interest…it’s that simple.
Credit card companies generally give you at least a 21-day grace period between the purchase date and when the payment is due. If you pay off your balance in full, you won’t be charged interest on new purchases made during this interval.
Here is an example of not paying your balance in full:
Let’s say you have a new card with a 15 percent APR (annual percentage rate). At the end of the first month, your balance is $300 and your minimum payment is $25.
Once you pay the $25 minimum payment, your balance is now $275. The $275 balance will begin accruing interest at 15 percent until you make the next monthly payment.
When you carry a balance, your balance just keeps getting bigger because you begin paying interest on a balance that includes the previously accrued interest.
Once your balance continues to grow, especially if you only pay the minimum due each month, you end up paying much more than the original amount you put on your credit card.
Habits to improve credit scores
There are few simple habits that will improve your credit scores.
Pay your bills on time: This is probably the most important factor. One late or missed monthly payment can stay on your credit reports for up to seven years. We suggest setting up automatic payments so you never miss a due date.
Keep low credit card balances: A major part of your credit score is the amount of available credit you’re using. Never max out your credit card. Do your best to keep your balances low. In fact, using ten percent or less of your available credit will tremendously help your scores.
Keep old accounts open. Keeping your oldest accounts open and remember to use them from time-to-time so the accounts remain active.
Monitor your credit reports: Sign up for a free credit monitoring service to keep an eye for identity theft or fraud.