Top No-Score-Check Credit Cards for Building Your Credit History
Explore the best no-credit-score-check credit cards designed to help you build and improve your credit profile. These options are ideal for newcomers to credit or those rebuilding their credit scores, offering flexible terms and benefits to support responsible usage. Learn about requirements, fees, rewards, and features to choose the right card for your financial journey.
Top No-Score-Check Credit Cards for Building Your Credit History
If you're new to credit or have little to no credit history, certain credit cards don't require a credit check for approval. Lenders recognize that your low score is due to limited borrowing history rather than missed payments, making these cards a low-risk option. Using them responsibly can help establish and improve your credit profile from scratch.
Capital One® Platinum Credit Card
Ideal for light spenders with less than three years of credit history. No annual fee, no rewards, and a variable APR of 24.99%. Making timely payments can increase your credit limit. No over-limit fee, but late payments can incur up to $38 penalty charges. Cash advances are also at 24.99%.
OpenSky® Secured Visa® Credit Card
Suitable for those with credit scores between 300 and 639. Requires a minimum deposit of $200, refundable, which determines your credit limit. Has a $35 annual fee, with an 18.89% variable APR. Overseas purchases attract a 3% foreign transaction fee.
Capital One® QuicksilverOne® Cash Rewards Card
Designed for spenders with subpar credit. With an annual fee of $39, it offers 1.5% unlimited cash back on all purchases. No intro APR, balance transfer fee, or max over-limit fee. After five on-time payments, your credit line can increase, with an APR of 24.99%.
Discover it® Secured
For those with credit scores from 300 to 639, no annual fee. Minimum deposit of $200, with a refundable security deposit. Offers 1-2% cash back; 2% at gas stations and restaurants when spending exceeds $1,000 quarterly. The account is reviewed after eight months for potential unsecured status.
Citi® Secured Mastercard®
Helps build credit quickly by reporting to bureaus monthly. Requires a refundable $200 deposit and has no annual fee. APR is 24.24%, with a foreign transaction fee of $35. Suitable even for limited credit with just three years of credit history.
USAA® Secured Card American Express®
Allows you to set a credit limit between $250 and $5,000 with a $250 deposit. No annual fee, with an APR between 11.65% and 21.65%. Special benefits for military members, including a 4% APR for 12 months during deployment or PCS, plus additional veteran benefits.
