Maria Adams, Credit Cards Moderator
@m_adams
No, there aren’t any unsecured cards you can get with no credit check. There are, however, secured credit cards that don’t check applicants’ credit history.
However, regardless of your credit profile, if you’re going to apply for an unsecured credit card, a credit check is necessary. An issuer must have some indication of your ability to pay back the debt. And the information in your credit report will assist them in making that assessment. Even if you’re a student, or have limited credit, an issuer will need to know that before they’ll extend you any credit.
What you should know about credit checks for unsecured cards
While there is a line of unsecured credit cards available for people with bad or limited credit, approval is not guaranteed without a credit check. That might seem to defeat the purpose, providing customers an opportunity to rebuild or establish credit. But there are instances that may surface during a credit check that would prompt an issuer to maybe reject an application.
Plus, if you have a pending bankruptcy on your credit report, you will have little chance of getting approved for an unsecured credit card, and likely most secured cards. You might still be in the running for a secured credit card with no credit check.
Here are some good secured credit cards with no credit check:
It is also worth noting that you may receive offers for cards that guarantee approval or offers that you are “pre-approved” for; but those also require you to apply. And if you submit an application, you are giving the bank permission to permission to check your credit report and your credit score may suffer as a result.
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