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

By Kris Majaski. Last updated 10 October 2023. 0 comments

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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)

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is a popular card for rebuilding credit. There are no credit checks, and you can expect to be approved for the card even if you have filed bankruptcy or have had other credit problems in the past. As long as you make your security deposit of at least $200, you can receive a credit card with a limit in the amount of the deposit.

This card is also a great card because of its annual fee of $35, which isn't the lowest, but falls right about in the middle when compared to other secured cards. Furthermore, its variable APR is 25.64%, which can be as much as 30% with other cards. 

Click here to learn more or apply for the OpenSky® Secured Visa® Credit Card today!

First Progress Secured Mastercard

First Progress offers three versions of its secured credit card, the Prestige, Elite, and Select. There are no credit checks so no credit inquiry will be recorded in your credit file.

The cards are also easy to qualify for. There are no membership requirements and First Progress products are designed for those who have had credit problems in the past. You can opt for the card with the lower annual fee but higher APR or the higher annual fee but lower APR, depending on what you expect your purchase habits will be.

Click here to learn more or apply for the First Progress Secured Credit Card today!


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

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