Banks Offering Credit Cards With No Credit Checks in 2025
For those new to credit or rebuilding after financial setbacks, the words “no credit check” can sound like a lifeline. In 2025, several banks and fintech institutions have launched credit-building cards that don’t rely on traditional credit scoring, opening the door for millions of Americans to access credit responsibly. Here’s a complete guide to the top banks offering credit cards with no credit checks, how they work, and what to watch for before applying.
1. How “No Credit Check” Credit Cards Work
Unlike traditional credit cards that require a hard pull on your credit report, these cards assess eligibility using:
Income and employment verification
Banking history (through tools like Plaid)
Deposit security or cash collateral
💡 Key takeaway: These cards can’t instantly build perfect credit — but they’re excellent for starting or rebuilding credit safely when managed properly.
2. Types of No Credit Check Credit Cards
There are two main types:
A. Secured Credit Cards
You make a refundable deposit (usually $50–$500) that becomes your credit limit.
Banks report your payment history to all three credit bureaus (Experian, Equifax, TransUnion).
B. Credit Builder or Hybrid Cards
These link to your bank account or savings and use your spending patterns to establish credit — no deposit required.
3. Best Banks Offering Credit Cards With No Credit Checks (2025)
1. Chime Credit Builder Visa®
Type: Secured / Hybrid
Credit Check: None
Deposit Required: $0 – flexible linked to Chime Spending Account
Reports to: All 3 credit bureaus
Features:
No annual fee or interest
Auto-pay from your checking balance
24/7 mobile app monitoring
✅ Why it’s great: Ideal for beginners — no hard inquiry, no minimum deposit, and no overdraft fees.
2. Self Credit Builder Visa®
Type: Secured (backed by installment savings account)
Credit Check: None
Deposit Required: Based on savings plan ($25+/month)
Reports to: All 3 credit bureaus
Features:
Builds credit while building savings
Converts to credit card after consistent payments
FDIC insured
✅ Why it’s great: Perfect for those rebuilding credit and wanting to save money simultaneously.
3. Capital One Quicksilver Secured Rewards Card
Type: Secured Rewards
Credit Check: Soft pull (no hard inquiry for approval)
Deposit Required: $49–$200
Rewards: 1.5% cash back on all purchases
Reports to: All 3 credit bureaus
✅ Why it’s great: Combines cashback rewards with credit-building — rare for a secured card.
4. OpenSky® Secured Visa®
Type: Traditional Secured
Credit Check: None
Deposit Required: $200–$3,000
Reports to: All 3 credit bureaus
Features:
Fixed low interest rate
Works well for limited or poor credit histories
Upgrade eligibility after 6 months
✅ Why it’s great: Long-trusted secured card that doesn’t require a checking account for approval.
5. Grow Credit Mastercard®
Type: Credit Builder (subscription-based)
Credit Check: None
Deposit Required: $0
Reports to: All 3 credit bureaus
Features:
Builds credit through recurring subscriptions (Netflix, Spotify, etc.)
Credit limits from $17–$180/month
Free plan available
✅ Why it’s great: Excellent for those with minimal income or limited spending needs.
6. Tomo Credit Card
Type: Unsecured
Credit Check: None (uses banking data)
Deposit Required: None
Reports to: All 3 credit bureaus
Features:
No APR, fees, or security deposit
Requires linked checking account with consistent income
Weekly auto-pay required
✅ Why it’s great: Designed for high earners or students without credit — reports fast, builds credit quickly.
7. Extra Debit Card
Type: Debit/Credit Hybrid
Credit Check: None
Deposit Required: None
Reports to: Experian & Equifax
Features:
Connects to your bank account to report positive payments
Rewards points system
Monthly membership fee (~$8/month)
✅ Why it’s great: Builds credit using your debit card habits — no debt, no interest.
4. What to Watch Out For
Even though these cards don’t check your credit, it’s still important to read the fine print.
⚠️ Potential downsides:
Some cards charge monthly or annual fees ($3–$15/month).
Late payments can still hurt your credit score.
High interest rates may apply to carried balances.
💡 Tip: Always pay in full each month — even one missed payment can offset months of positive progress.
5. How These Cards Build Credit
All legitimate no-credit-check cards report your payment activity to major credit bureaus.
Consistent on-time payments can:
Improve your payment history (35% of your credit score)
Establish credit length and mix
Increase your credit score in as little as 3–6 months
💡 Pro tip: Combine your credit card with a credit monitoring app (like Experian Boost or Credit Karma) to track growth and detect issues early.
6. Alternatives to Credit Cards for Building Credit
If you’re not ready for a card, consider these safe credit-building alternatives:
Credit Builder Loans (Self, MoneyLion)
Authorized user status on a family member’s card
Rent reporting services (e.g., Piñata, RentTrack)
Secured personal loans through local credit unions
Each of these helps strengthen your credit profile without taking on revolving debt.
