9.Best credit card for bad credit with no credit check – OpenSky® Plus Secured Visa® Credit Card
Credit limit: $300 to $3,000
The OpenSky® Plus Secured Visa® Credit Card is an excellent choice for those with poor credit who want a card that doesn’t require a credit check.
Along with providing robust credit-building benefits and a straightforward route to upgrade to an unsecured credit card, the application process only asks for basic personal details, such as your address and date of birth.
After making on-time payments for six months, OpenSky will review your account to determine if you qualify for a credit limit increase or an upgrade to an unsecured card.
Credit-building features
- Below-average APR for credit building
- Regular account evaluations
- Reports credit history to the three major credit bureaus
- Free access to your credit score
| Annual Fee | Rewards Rate | Regular Purchase APR | Recommended Credit |
|---|---|---|---|
| $0 | 10% cash back |
28.99% (variable)
|
300-600 Limited / Limited / Poor / Fair
|
Card Information
- No annual fee – keep more money in your pocket!
- No credit check needed – enjoy an 89% approval rate with no credit risk to apply!
- Earn as much as 10% cash back on your daily purchases.
- Quickly enhance your credit score—2 out of 3 OpenSky® cardholders experience an average increase of 47 points after just 6 months.
- Monitor your progress with complimentary access to your FICO® score through our mobile app.
- Establish your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion.
- Effortless payments—link your card to Apple Pay, Google Pay, and Samsung Pay.
- Begin with as little as $300 – secure your line with a refundable security deposit.
- Quick and simple application—apply in just minutes with our mobile-first approach.
- Flexible payment choices—select a due date that suits you best.
- More time to fund—distribute your security deposit over 60 days with layaway.
- Join over 1.6 million cardholders who have utilized OpenSky® to improve their credit!
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FAQ
What is the simplest credit card to obtain with poor credit?
If your credit is not great, the simplest credit cards to get approved for are usually secured cards, store cards, student cards, or unsecured cards aimed at those with bad credit.
What is the top credit card for improving credit?
The top credit card for enhancing your credit when you have bad credit is the Discover it® Secured Credit Card, as it features a $0 annual fee, rewards on every purchase, and several excellent credit-building tools — including monthly account evaluations after seven months to determine if you qualify to transition to an unsecured card and reclaim your deposit.
Is it possible to obtain a credit card with bad credit?
While it’s probable that you won’t be approved for a card that offers generous rewards, a 0% introductory APR, or extensive benefits and protections, there are several credit cards specifically tailored for individuals with bad, poor, or limited credit. By using your card responsibly over time, you can improve your credit and become eligible for a card with better features in the future.
Can I obtain a balance transfer card with poor credit?
You can secure a balance transfer card even with bad credit, although your choices may be restricted. The Discover it® Secured Credit Card is a fantastic option for those with limited or poor credit, offering a 10.99% Intro APR for 6 months on balance transfers, followed by a 27.24% Variable APR.
Is having multiple credit cards detrimental?
Applying for several credit cards simultaneously can lead to a decrease in your credit score, as it results in multiple hard inquiries on your credit report. This can also raise a red flag for potential issuers, as it may be interpreted (or at least perceived) as a sign of financial difficulties. If you already have bad credit, it’s advisable to apply for and manage just one credit card to avoid falling into credit card debt or struggling with multiple accounts.
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