The Best Secured Credit Cards that Don’t Require Credit Checks

By Kris Majaski. Last updated 15 March 2024. 0 comments

Many of the credit card offers that appear on the website are from credit card companies from which Wise Bread receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Any opinions expressed are those of the author's alone, and have not been reviewed, approved, endorsed, or provided by the issuer.



ShareThis

When shopping for a secured credit card, there may be a number of reasons you want to apply for the card without adding a credit inquiry to your credit report. Credit inquiries not only show where you have applied for credit, but depending on the individual credit report, can decrease your score by at least five points. From a lender's viewpoint, multiple inquiries within a short period of time can also indicate a credit risk.

There is a difference between the types of inquiries you might see on your credit report, often referred to as hard pulls (or inquiries) and soft pulls. Soft pulls do not require your permission and also do not affect your credit score. These types of inquiries are often the result of background checks, pre-approvals, or even checking your own credit score. Hard inquiries require your authorization and usually occur when lenders for auto loans, credit cards, or mortgages, are determining your credit worthiness.

If you're worried about getting rejected for credit cards, resulting in multiple hard inquiries on your credit and a lower score than you started with, check out these secured cards that don't require a credit check for approval (though some might do one after approval to determine your APR). (See also: 5 Best Secured Cards)


Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.