John Miller, Credit Cards Moderator
@john_miller
Yes, your credit score will most likely be checked when you apply for a secured credit card. Even though secured cards are designed for applicants with bad credit and require a security deposit, the issuer will still want to assess your creditworthiness. The credit check will cause a hard inquiry, which will lower your credit score for a short period of time.
It’s worth noting that there are a few secured credit cards on the market that won’t do a credit check when applying. This can make it easier for applicants to get approved, and it will prevent credit score damage.
Best Secured Credit Cards with No Credit Check
- Rates & Fees Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn More
- Low APR: First Progress Select Secured Mastercard®Learn MoreLearn Moreon issuer's website
- Low APR: First Progress Select Secured Mastercard®Learn MoreLearn Moreon issuer's website
- Low APR: First Progress Select Secured Mastercard®Learn MoreLearn More
- No Minimum Deposit: Chime Credit CardLearn MoreLearn More
- No Minimum Deposit: Chime Credit CardLearn MoreLearn Moreon issuer's website
- No Minimum Deposit: Chime Credit CardLearn MoreLearn More
- Best Overall:
- Low APR:
- No Minimum Deposit:
Despite not conducting credit checks, these cards will still report your account activity to the major credit bureaus each month. This can help you rebuild your credit, provided that you make your payments on time and are otherwise using your card responsibly.
If you’re looking for more options, you can check our editors’ picks for the best no credit check credit cards on the market.
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People also ask
What kind of credit card can I get with bad credit?
The kinds of credit cards you can get with bad credit are secured credit cards and unsecured credit cards for bad credit. Secured cards require a refundable security deposit, the amount of which serves as your credit limit and prevents overspending, while unsecured cards for bad credit have higher fees but no deposit.
A secured card credit card is the best kind of credit card you can get with bad credit. The security deposit allows credit card companies to charge fairly...
read full answer by John S Kiernan, Managing EditorCan you be denied for a secured credit card?
Yes, you can be denied for a secured credit card if you don’t meet the issuer’s minimum requirements, which typically include being at least 18 years old and having a U.S. address, a Social Security Number (SSN), and sufficient income to cover the payments. You could also be denied if you have major negative items on your credit report, such as bankruptcy.
Other common reasons you’d be denied for a secured card might be incomplete or...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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