What are the best no credit check credit cards with no deposit?

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

Tips for Getting a Credit Card With Limited Income

1. Report any shared income

   Even if you don’t have the personal funds needed to get a credit card, you may still qualify if you’re at least 21 years old and you have access to someone else’s income. Money earned by someone else qualifies if you have reasonable access to the funds – for example, if a household member’s income is deposited into a joint bank account that you can access.

   This rule changes for applicants under 21, however. If you’re under 21, you can’t include shared income from a relative, friend, partner or other third-party on your credit card application. But you can include an allowance you are given, for example.

2. Sign on as an authorized user on someone else’s account

   Income is not a factor for you to become an authorized user, though you may have to meet certain age requirements, depending on the issuer. You’ll have your own credit card with your name on it, but the primary cardholder owns the account. The primary cardholder is financially liable for all charges made on the card, so you should work with them to maintain the account in good standing.

3. Look into getting a cosigner or submitting a joint application.

   You could open a credit card with a co-signer, which is someone who agrees to assume liability for the debt if you are unable to pay. You can also try to sign up for a joint credit card account if both you and the co-owner meet the card’s approval requirements. Unfortunately, these options are not common right now.

The banks with the easiest credit cards to get include Bank of America and Capital One. Both of these major banks are common choices for first credit cards. That’s because both have credit cards for every level of credit standing.

If you have bad credit or no credit, the best banks are the ones that offer ... read full answersecured credit cards. Capital One, Bank of America, Citibank, and U.S. Bank are some of the major banks that offer this type of cards. Secured credit cards require a deposit, which serves as your credit limit. And in general, you can get a secured credit card with bad credit.

Here are some of the easiest credit cards to get:

Other things to consider before getting a credit card:

It's worth noting that any previously-existing relationships you have with banks may come in handy, too. If the bank you have a checking account with offers a credit card, that will likely be an easy bank to get a credit card from.

Your established relationship with your bank gives them access to your day-to-day deposit account history, which doesn’t show up on your credit report. So, that’s extra potentially good information that’s available to your bank and not to other card issuers you might apply for a credit card with.