Ryan P Page, Staff Writer
@ryan_page
The best no-credit-check credit card with no deposit is the Tomo Card, which uses a proprietary method to determine eligibility instead of your credit history. The Tomo Card comes with a $0 annual fee and offers cardholders the chance to build credit, along with a variety of valuable perks.
This card’s balance is automatically paid in full, starting out each week and then shifting to a more traditional monthly payment, using your linked bank account. This means you can’t carry a balance from one billing period to the next, and no interest charges will accrue.
Alternative Options With No Credit Check
While an unsecured credit card can be appealing because it doesn't require a deposit, most unsecured cards require a credit check, limiting your options. Some people looking for a card with no credit check may want to consider getting a secured card with a refundable deposit instead.
A secured card won’t really help you borrow, since your spending limit equals the amount of your deposit, but it can help you rebuild your credit standing. You might pay less in fees, too.
Best Secured Credit Cards With No Credit Check
If you have bad credit, looking for no-credit-check cards can increase your chances of approval and help you build credit. You can also check out the best unsecured credit cards for bad credit for more options without an initial deposit.
2025's Unsecured Credit Cards for Bad Credit
2025's Unsecured Credit Cards for Bad Credit
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Andrew Young, Member
@a_young_1984
You’re gonna have to sacrifice either no credit check or no deposit. I’d go with opensky.
Madison Bell, Member
@maddie_bell
I’m assuming you have bad credit (whoever’s asking this question)? If that’s the case, no deposit won’t give you much spending power, but it will cost you a lot in fees and interest. I recommend using a secured card for building credit and finding a different way to borrow or cut back on spending.
Grace PP, Member
@gracefully_p
Just got approved for the Petal 2 Visa with no credit history and NO deposit! There’s a credit check, but it didn’t seem like a big deal - at least for me. Good luck!
Joshua Carter, Member
@josh_carter
I’m not sure that type of card exists. You can try getting preapproved for a card like Petal. That way, you can make your credit check really count if you decide to apply - since you’ll have high odds of success.
Samuel Perry, Member
@sam_perry_chef
Chime Credit Builder, I guess? It’s kind of a technicality, though. There’s no credit check, and there’s no minimum deposit required. But it’s still a secured card, so you can’t make any purchases unless you deposit something.
People also ask
Can you get a credit card without direct deposit?
Yes, you can get a credit card without a direct deposit. There are plenty of unsecured credit cards on the market that do not require cardholders to set up deposits, and instead offer credit limits based on the applicant’s creditworthiness.
Notable Credit Cards Without a Direct Deposit
- Rates & Fees Bad Credit:
- Rates & Fees Bad Credit:
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- No Credit:
- No Credit:
- No Credit:
- Cash Rewards:
- Cash Rewards:
- Cash Rewards:
- Details, Rates & Fees Credit Building:
- Details, Rates & Fees Credit Building:
- Credit Building:
- Bad Credit:
- No Credit:
- Cash Rewards:
- Credit Building:
Typically, only certain “credit-builder” cards require users to transfer money from a bank account whenever they want to set their spending limit. These cards function more like...
read full answer by John Miller, Credit Cards ModeratorCan you get a credit card with no money?
No, you cannot get a credit card with no money because the law requires credit card issuers to verify that applicants have the ability to make monthly payments before approving them for an account. Still, you may be able to get a credit card without a paycheck from a job if you have reasonable access to other income. This can include shared household income (for applicants 21 and older), retirement income, unemployment benefits and more.
... read full answer by Chip Lupo, Credit Card WriterWhich banks have the easiest credit cards to get?
It's easy to get a credit card from banks such as U.S. Bank, Capital One, Bank of America, Citibank, along with other major banks that offer secured cards. You'll have a good chance of getting a credit card from one of these banks even if you have bad or limited credit.
Easiest Bank Credit Cards to Get
| Credit Card | Annual Fee | Category |
| Capital One Platinum Credit Card (see details, rates & fees) | $0 | No Credit ... |
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