Top No Credit Check Secured Credit Cards in 2017

A poor credit score and damaged credit history means you have a long way to go. And the first step you may make with a secured credit card.

Here we have selected three secured credit cards with no credit check required for approval and reasonable rates. So you may expect neither denial from credit card issuers based on your credit score nor hard pulls hurting your credit score. With these cards even recent bankrupts may start improving their credit score on the spot.

OpenSky® Secured VISA® photo OpenSky® Secured VISA® Apply Now on Capital Bank’s secure website.
Card usage cost:
$35

This includes one-time fees as well as all regular maintenance fees you have to pay within the first year of using the card.

Regular APR:
18.39%
Minimum deposit:
$200
Qualification:
For fair, poor, no credit score.

OpenSky® Secured VISA®

In our Top 4 Secured Credit Cards we have picked the OpenSky® Secured Visa® credit card as the best option for people with a low credit score and ruined credit history to rebuild their credit. Since credit check is not required for the approval, anyone may qualify for this card. Moreover, you don’t even need a checking account to start.

What the card issuer, Capital bank, really cares about is that your monthly income should exceed your typical monthly expenses. And that available amount may influence the amount of credit limit available to you. Generally, to open a credit line, you have to secure it first with an equal deposit. But larger deposits may require an approval from the Capital bank.

All you need to start working on your credit score is 5 minutes to apply and $200 to pay a minimum deposit.

  • No credit check,
  • No checking account is required.
  • $35 annual fee.
primor® Secured Visa Gold Card photo primor® Secured Visa Gold Card Apply Now on First Choice Bank’s secure website.
Card usage cost:
$49

This includes one-time fees as well as all regular maintenance fees you have to pay within the first year of using the card.

Regular APR:
10.49%
Minimum deposit:
$200
Qualification:
For fair, poor, limited, no credit score.

primor® Secured Visa Gold Card

The primor® Secured Visa Gold Card offer sounds promising even for fresh bankrupts struggling to rebuild their credit.

The card issuer, First choice bank, guarantees approval to anybody whose monthly income is at least $100 higher than monthly expenses. Upon approval, you need to deposit any amount between $200 and $5,000, and this will become your credit limit. You can increase your credit limit at any time by making additional deposits of $50 increments. Note that an annual fee as well as your purchases reduce your credit availability.

The primor® Secured Visa Gold Card has an annual fee of $49, but a highly competitive fixed APR of just 10.49% and no penalty APR.

You also may consider the primor® Secured Visa Classic Card with the only difference that it has an annual fee of $39 and a purchase APR of 14.49%.

Apply within a few minutes, get approved and you’re back on the track.

  • Guaranteed approval,
  • No credit check,
  • Deposit earns interest,
  • Low APR,
  • No hidden maintenance fees.
  • $49 annual fee.
Merrick Bank Secured Visa® Card photo Merrick Bank Secured Visa® Card Apply Now on Merrick Bank’s secure website.
Card usage cost:
$36

This includes one-time fees as well as all regular maintenance fees you have to pay within the first year of using the card.

Regular APR:
18.45%
Minimum deposit:
$200
Qualification:
For fair, poor, no credit score.

Merrick Bank Secured Visa® Card

The Merrick Bank doesn’t officially claim its secured credit card as a no credit check offering. But it is definitely designed for people with a damaged credit history. Regardless of your credit score and credit history, you may qualify for the Merrick Bank Secured Visa® Card. However, a pending bankruptcy or outstanding tax obligations may prevent you from getting the card.

To afford this card, you need at least $200 for the minimum deposit. An annual fee of $36 will be deducted from the deposit. The remaining amount will become your credit line. For example, if you deposit $200, the Merrick bank deducts $36 from this, and your credit limit equals $164.

Deposit as little as $200 and start working on your credit with the Merrick card.

  • Any credit score or credit history is eligible,
  • Modest APR of 18.45%.
  • $36 annual fee for the 1st year,
  • $3 monthly fee from the 2nd year.

How we choose our best secured credit cards with no credit check

For this list we have chosen the most accessible secured credit cards so that even people with a poor credit score could be eligible. But at the same time these cards have reasonable rates and no hidden maintenance fees. All the cards are regularly reported to the three major national credit bureaus serving you as a tool to shape your credit score.