Best for no credit check
OpenSky® Secured Visa® Credit Card
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in our Bankrate review
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The OpenSky® Secured Visa® Credit Card is a secured credit card that doesn’t require a credit check to apply, making it a good starter card option for someone with no credit or a recent bankruptcy. While it does have a $35 annual fee, the card reports your payments to the three credit bureaus, which can help you build credit regardless of your credit situation.
Pros
- You can access this card without a credit history.
- Its security deposit limit is up to $3,000, which can help with maintaining credit utilization ratios.
Cons
- You can only earn rewards through card-linked merchant offers.
- This card charges an annual fee, which might be difficult to manage if you have a low starting credit limit.