For many people, applying for a credit card can feel like a major hurdle, especially if you have little to no credit history or a low credit score. Fortunately, there are options available that don’t require a credit check, allowing you to build or rebuild your credit without the usual roadblocks. In this guide, we’ll walk you through how to apply for a no-credit-check credit card, recommend some reputable cards available in 2025, and share tips for navigating the process with ease.

What Does “No Credit Check” Mean?

When you apply for a standard credit card, the issuer typically conducts a hard inquiry on your credit report, which can temporarily lower your score. However, certain cards bypass this step entirely. Instead of relying on your credit score, these cards often use other methods such as income verification, bank history, or a security deposit to determine your eligibility.

These cards are particularly helpful for:

  • People with no credit history
  • Individuals recovering from financial setbacks
  • Newcomers to the U.S. looking to establish credit

Top No Credit Check Credit Cards in 2025

There are several great no-credit-check credit cards available that allow you to build or rebuild your credit. Here are some of the most reliable options:

1. Chime Credit Builder Visa® Credit Card

  • Issuer: Chime and Stride Bank, N.A.
  • Credit Check: No credit check required
  • Annual Fee: $0
  • Deposit: No fixed deposit required; linked to Chime spending account
  • Where to Apply: Chime Credit Builder

The Chime Credit Builder Visa® Credit Card is a top choice for those looking to build credit. It doesn’t require a credit check, and it reports to all three credit bureaus. Your credit limit is tied to your Chime account balance, offering a simple, secure way to start building credit.

2. SELF Visa® Credit Card

  • Issuer: Lead Bank, in partnership with Self Financial, Inc.
  • Credit Check: None (credit check only for initial Credit Builder Account setup)
  • Annual Fee: $25
  • Deposit: Funded by a Credit Builder loan
  • Where to Apply: Self Visa® Credit Card

SELF’s Visa® Credit Card lets you build credit by combining installment savings with a secured card. After making on-time payments and saving $100, you become eligible for the card, and there’s no credit check to get started.

3. OpenSky® Secured Visa® Credit Card

  • Issuer: Capital Bank N.A.
  • Credit Check: No credit check required
  • Annual Fee: $35
  • Deposit: $200 minimum refundable deposit
  • Where to Apply: OpenSky Secured Visa®

The OpenSky® Secured Visa® Credit Card is a reliable secured option that doesn’t require a credit check or bank account. It reports to all major credit bureaus, making it ideal for people just starting to build credit or those with less-than-perfect credit.

Things to Consider Before Applying

While applying for a no-credit-check card is a great way to build or rebuild your credit, there are some important factors to keep in mind:

  • Deposit Requirements: Many secured cards require a deposit, which becomes your credit limit. Be prepared to budget for this upfront cost.
  • Reporting to the Credit Bureaus: Ensure that the card reports to all three credit bureaus (Experian, Equifax, and TransUnion) to help you build your credit history.
  • Fees: Pay attention to any annual or monthly fees. Some cards may charge high fees that can eat into the benefits of building your credit. Always look for cards with minimal fees.

Common Mistakes to Avoid

Even though no-credit-check cards are easier to obtain, there are still some common pitfalls to avoid:

  • Carrying a Balance: Secured or not, most no-credit-check cards come with high interest rates (often ranging from 20%–29%). Carrying a balance can lead to expensive interest charges, so try to pay your balance in full each month.
  • Missing Payments: Your payment history plays a significant role in your credit score. Late payments can damage your credit and undo your progress.
  • Closing Your Card Too Soon: Closing your account early can negatively affect your credit score, as it reduces the length of your credit history.

Why Are No Credit Check Cards Growing in Popularity?

The Consumer Financial Protection Bureau reports that applications for secured credit cards have increased significantly in recent years, and no-credit-check cards are becoming even more popular with the rise of fintech companies. According to a 2024 TransUnion report, 34% of Gen Z cardholders started with a no-credit-check card, often through services like Chime or Self.

Conclusion: Building Credit the Easy Way

Applying for a credit card without a credit check has never been easier, thanks to options like Chime, Self, and OpenSky. These cards offer a way to build or rebuild your credit without the stress of a hard inquiry. Just remember to use the card responsibly—pay your bills on time and avoid carrying a balance to make the most out of your card and boost your credit score over time.

FAQs About No Credit Check Credit Cards

Q: Will these cards help improve my credit score?

Yes, as long as the card reports to the major credit bureaus, it can help build your credit history and improve your score.

Q: Can I upgrade to an unsecured card later?

Yes, many providers offer the possibility of upgrading to an unsecured card after 6 to 12 months of responsible use.

Q: Are prepaid debit cards the same as no-credit-check cards?

No, prepaid cards do not affect your credit score. Only cards that report to the credit bureaus will help build your credit.

Q: Will I get my deposit back?

Yes, in most cases, your deposit is refundable once you’ve closed your account in good standing or upgraded to an unsecured card.

Additional Resources:

This article is for educational purposes only and does not constitute financial advice. Always review the full terms and conditions before applying for any credit card.

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