Finding the right credit card when you have little to no credit history can be a challenge. However, in 2025, there are several no credit check credit cards that can help you gain access to credit with easy approval, even if you’re new to credit or have a less-than-perfect score. These cards are designed to make it easier for individuals with limited or poor credit to build or rebuild their credit history.

If you’re seeking a credit card with no credit check, you’re in the right place. These cards typically have lower approval requirements, allowing you to access credit with minimal scrutiny. Whether you’re starting your credit journey or recovering from past financial challenges, these cards are excellent tools for improving your credit score and gaining financial independence.

Let’s explore the best no credit check credit cards for 2025, so you can make an informed decision on your next credit card.

Why Choose a No Credit Check Credit Card?

No credit check credit cards are especially valuable for individuals who:

• Have No Credit History: If you’re just starting your financial journey, a no credit check card can help you begin building a credit history.
• Want to Rebuild Credit: If you’ve experienced financial setbacks or have a poor credit score, these cards offer a way to get back on track without the risk of being denied for traditional cards.
• Need Quick Approval: No credit check cards typically offer easy approval processes, making them accessible for individuals who might otherwise struggle to get approved.

However, it’s important to note that no credit check cards might come with higher fees or lower credit limits compared to traditional cards. But they can be a stepping stone toward improving your credit and eventually qualifying for more favorable cards.

What to Look for in a No Credit Check Credit Card

When considering a no credit check credit card, here are some important factors to consider:

• Annual Fees: Many no credit check cards have annual fees, so ensure the rewards or benefits you’ll earn are worth the cost.
• Credit Limits: No credit check cards may have low credit limits, but this can be a good opportunity to establish a responsible payment history.
• Rewards: Some no credit check cards offer cashback or rewards points, so look for options that offer more value for your spending.
• APR: If you plan to carry a balance, check the annual percentage rate (APR), as it may be higher than standard credit cards.
• Security: Ensure the card offers fraud protection and reports your payments to the major credit bureaus to help build your credit.

Now, let’s dive into the best no credit check credit cards for 2025.

1. Discover it® Secured Credit Card

The Discover it® Secured Credit Card is an excellent option for individuals who want to build credit with no credit check. Although it’s a secured credit card, it offers all the benefits of a traditional credit card while helping you improve your credit score.

• Credit Check: While the card itself is secured, Discover does not perform a hard credit inquiry when you apply, making it easier for people with no or poor credit to be approved.
• Rewards: Earn 2% cashback on restaurants and gas stations (up to $1,000 in combined purchases per quarter) and 1% cashback on all other purchases.
• Sign-Up Bonus: Discover will match all the cashback you earn in your first year, doubling your rewards.
• Annual Fee: $0
• Credit Limit: The credit limit is determined by your deposit, which is typically refundable if you close your account in good standing.

The Discover it® Secured Credit Card is a great way to build credit with no annual fee and rewards, plus the opportunity for automatic credit line increases after demonstrating responsible use.

Key Highlights:

• 2% cashback on restaurants and gas (up to $1,000 per quarter)
• 1% cashback on all other purchases
• No annual fee
• Credit line increases with responsible use

2. Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is another strong contender for those looking for a no credit check credit card. Like the Discover it® Secured Card, it requires a security deposit, but it’s designed for individuals who need to rebuild or establish credit.

• Credit Check: While it requires a security deposit, the Capital One Platinum Secured Credit Card doesn’t rely heavily on a credit check for approval, making it easier for those with little or no credit history to qualify.
• Credit Limit: The minimum deposit is $49, $99, or $200, depending on your creditworthiness, and you can get a credit limit up to $1,000.
• Annual Fee: $0
• APR: 26.99% (variable)
• Other Benefits: You’ll have access to fraud protection and credit building through monthly reporting to the major credit bureaus.

The Capital One Platinum Secured Credit Card offers a low annual fee, a reasonable deposit requirement. It’s an ideal choice for someone looking to build credit without excessive fees.

Key Highlights:

• No annual fee
• Low security deposit requirement
• Credit limit up to $1,000
• Automatic credit limit increases after responsible use

3. OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card offers another solid option for building or rebuilding credit, especially if you have no credit or poor credit.

• Credit Check: This card does not require a credit check for approval, making it one of the most accessible cards for individuals with limited credit histories.
• Credit Limit: Your credit limit will be equal to your security deposit (minimum $200).
• Annual Fee: $35
• APR: 22.24% (variable)
• Other Benefits: You will receive monthly reports to the major credit bureaus, helping to build your credit history over time.

While the OpenSky® Secured Visa® Credit Card charges a modest annual fee. It offers a straightforward way to get approved for a credit card without a credit check

Key Highlights:

• No credit check required
• $35 annual fee
• Credit limit equal to deposit
• Reports to all major credit bureaus

4. Self Credit Builder Account + Visa® Secured Credit Card

The Self Credit Builder Account + Visa® Secured Credit Card combination is designed specifically for people looking to build credit from scratch or rebuild after financial setbacks.

• Credit Check: This is a secured card, but there’s no credit check for approval, making it accessible for those with limited or damaged credit.
• Credit Limit: The credit limit is equal to your security deposit, which starts at $200.
• Annual Fee: $25
• APR: 23.99% (variable)
• Other Benefits: Your payments are reported to the major credit bureaus, which helps improve your credit score as you make timely payments.

This card offers the unique feature of combining a credit builder loan with a secured credit card, making it an excellent choice for those who want to establish or rebuild their credit while earning the benefits of a traditional credit card.

Key Highlights:

• No credit check required
• $25 annual fee
• Builds credit with both a loan and a secured card
• Reports to major credit bureaus

5. Surge Mastercard® Secured Credit Card

The Surge Mastercard® Secured Credit Card is another solid option for those who need a card with easy approval and the opportunity to build or rebuild credit.

• Credit Check: While it requires a deposit, there’s no credit check needed for approval, which makes it a good option for individuals with no credit history.
• Credit Limit: The minimum deposit is $200, and you can increase your credit limit by adding additional funds to your deposit.
• Annual Fee: $29
• APR: 23.99% (variable)
• Other Benefits: Your payments are reported to the major credit bureaus, helping to establish or rebuild credit.

The Surge Mastercard® Secured Credit Card offers an easy path to gaining a credit card with no credit check, but it comes with a modest annual fee. It’s a practical option for someone looking to improve their credit standing.

Key Highlights:

• No credit check required
• $29 annual fee
• Reports to all major credit bureaus
• Credit limit up to $2,000

Final Thoughts

For individuals with limited or no credit history, the best no credit check credit cards in 2025 offer an accessible way to build or rebuild credit. While most of these cards are secured, requiring a deposit, they provide a great opportunity to earn credit and establish a positive credit history.