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The best credit card for no credit and no bank account is Chase Freedom Rise℠. This card offers 1.5% cash back on all purchases and has a $0 annual fee. It is worth noting that if you have a Chase checking or savings account with a balance of at least $250, your chances of approval will increase, but it’s not a requirement.
At the moment, there is one more credit card that allows you to apply with no credit and no bank account, OpenSky® Plus Secured Visa® Credit Card. This secured card has a $0 annual fee and requires a security deposit of at least $300 for opening. The OpenSky® Plus Secured Visa® Credit Card Credit Card is a great choice for those who want to build credit without a credit inquiry slowing them down. Keep in mind that after you get approved, you’ll have to find a way to make your credit card payments.
How to Pay Your Credit Card Without a Bank Account
- Cash (if your credit card company also has a local bank branch)
- Money Order
- Online Bill Pay (typically an option with checking accounts, but more and more prepaid cards are offering this feature as well)
- Money Transfer (e.g. Western Union)
For more tips, you can read our guide on how to build credit. You can also track your credit score’s progress, for free on WalletHub.
This answer was first published on 08/04/17 and it was last updated on 01/26/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
2024's Best Credit Cards for People with No Credit
2024's Best Credit Cards for People with No Credit
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Popular Credit Cards for No Credit
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Cash Back
Capital One QuicksilverOne Cash Rewards Credit Card
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Starter Card
Capital One Platinum Credit Card
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No Credit Check
OpenSky® Plus Secured Visa® Credit Card
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Students with No Credit
Capital One SavorOne Student Cash Rewards Credit Card
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dab2218love, Member
@dab2218love
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That's a lie I applied for the Capital One and they said because I didn't have a bank account savings account and not enough on my charity of you that I was denying
This answer was first published on 12/17/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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ga82859716, Member
@ga82859716
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A prepaid visa or MasterCard or American express
This answer was first published on 11/16/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
People also ask
What are the best credit cards for no credit with no deposit?
One of the best credit cards for no credit with no deposit is the Petal® 2 Visa® Credit Card because it gives 1 - 1.5% cash back spent on purchases and has a $0 annual fee. Petal also reports account information to the major credit bureaus on a monthly basis, which gives cardholders the opportunity to build credit.
Another great option is the Capital One QuicksilverOne Cash Rewards Credit Card (see Rates & Fees). This card offers 1.5 - 5% cash back, depending on the type of purchase. The Capital One QuicksilverOne Cash Rewards Credit Card (see Rates & Fees) also reports monthly to the major credit bureaus, but...
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What's the easiest credit card to get with no credit?
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit because it is a secured card and there’s no credit check when you apply. As long as you’re 18+ years old and you can afford both a $300+ deposit and the monthly bill payments, you’ll probably get approved. The OpenSky® Plus Card also has a $0 annual fee.
Easiest Credit Cards to Get with No Credit (April 2024)
- OpenSky® Plus Secured Visa® Credit Card: No Credit Check
- Capital One Platinum Credit Card (see Rates & Fees): No Deposit
- Capital One Quicksilver Secured Cash Rewards Credit Card (see Rates & Fees): Unlimited Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card (see Rates & Fees): Students
The easiest unsecured credit card to get with limited credit history is the Capital One Platinum Credit Card (see Rates & Fees). The major upsides to this...
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Can you get a credit card with no credit?
Yes, you can get a credit card even if you don’t have credit. There are many credit cards designed specifically for people who have no credit history, including both secured credit cards and unsecured cards for no credit.
While you don’t need credit to get a credit card, you will need some sort of an income, as well as a bank account in most cases. In addition, you will need to be at least 18 years old and have a Social Security...
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John Burton, Member
@johnfsburton
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Capital One Quick SilverOne is the best card.
This answer was first published on 07/17/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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lovelessp3, Member
@lovelessp3
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Capital One QuicksilverOne, Cash Rewards credit card or Capital One Platinum credit card.
This answer was first published on 01/02/19 and it was last updated on 01/03/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Petal® 2 Visa® Credit Card and Petal® 1 Visa® Credit Card
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