Best Credit Cards With No Credit Check (2026)

Need a credit card but worried about a hard pull? Several legitimate cards and card alternatives skip the credit check entirely. Here are the best options in 2026 for anyone who wants to avoid an inquiry on their report.

1. OpenSky Secured Visa — Best True No-Check Card

OpenSky is the gold standard for no-credit-check credit cards. There is literally zero credit inquiry — they don’t even ask for your Social Security Number in some cases (ITIN accepted). You deposit between $200 and $3,000 as collateral and receive a Visa card with that limit. OpenSky reports to all three credit bureaus every month.

Apply for OpenSky — No Credit Check →

2. Chime Credit Builder Visa

The Chime Credit Builder card requires a Chime checking account with at least one direct deposit but skips the credit check entirely. You move money into the Credit Builder account to set your spending limit. It reports to all three bureaus and there’s no annual fee or interest.

Open Chime Credit Builder →

3. Extra Debit Card — Build Credit Without a Credit Card

Extra connects to your bank account and lets you spend like a debit card but reports your transactions to the credit bureaus as if they were credit card payments. There’s no credit check, no interest, and no deposit. At $8-$20/month, it’s a novel approach to building credit with no risk.

Who These Cards Are Best For

No-credit-check cards are ideal for people with very poor credit (under 550), recent bankruptcies, or anyone who has been denied multiple times. They’re also great for immigrants or newcomers without a U.S. credit history.