The Best Soft Pull Credit Cards for April 2024
OpenSky® Secured Visa® Credit Card- Variable APR of 25.64%
- No credit check when you apply
- Minimum security deposit of $200
- Low $35 annual fee
Chime Credit Builder Secured Visa® Credit Card- No credit check to apply
- 0% APR - No interest or annual fees
- Get cash at over 60K fee-free ATMs
- No minimum security deposit required
- $0 annual fee
- Earn 2% cash back at Gas Stations and Restaurants
- 27.49% Variable APR
- Refundable security deposit minimum $200
- $0 annual fee
- 18.49% - 28.49% variable APR
- 0% Intro APR for 18 months on balance transfers
- Earn 2% cash back on purchases
Wells Fargo Active Cash® Card- $200 cash rewards bonus when you spend $1,000 in the first 3 months
- 19.49% - 29.49% Variable APR
- $0 annual fee
- 0% intro APR for 15 months from date of account opening
Applied Bank Secured Visa® Gold Preferred® Card- Absolutely No Credit Check or Minimum Credit Score Required
- 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
- Automatic Reporting to All Three National Credit Bureaus
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
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What Is a Soft Pull Credit Card?
A soft pull credit card is a credit card that allows you to get approved without a hard pull on your credit profile.
This is beneficial because a hard pull can temporarily lower your credit score. Soft pull credit cards are great for people with average or bad credit who are looking to improve their credit scores.
There are many different types of credit cards with soft pull inquiries, so it's important to shop around and find the best one for you.
Benefits of Soft Pull Cards
There are several benefits of having a soft pull credit card:
- You can check your eligibility without harming your credit score.
- A soft pull card can help you decide whether or not to take up a credit card offer without any impact on your credit.
- If you have bad credit or are working to improve your credit score, a soft pull card is a great option because it won't further damage your credit.
A soft pull credit card is an excellent option for anyone looking for a new credit card.
If you're not sure whether or not you want to commit to a new card, or if you're worried about impacting your credit score, consider a card with a soft pull option.
Tips on Using a Soft Pull Credit Card Responsibly
If you're looking to use a soft pull credit card responsibly, there are a few things you should keep in mind.
First, make sure you only use the card for purchases you can afford to pay off in full each month. This will help you avoid interest charges and keep your credit utilization low.
Second, always pay your bill on time. This will help improve your payment history, which is one of the most important factors in your credit score.
Finally, don't be afraid to use your card for everyday expenses. This can help you build up a good credit history and show that you're capable of handling credit responsibly.
List of Best Soft Pull Credit Cards in the US
1. The Discover it® Secured Credit Card
With no annual fee and a low APR, this card is perfect for those who are just starting out.
Plus, Discover will match all the cash back you earn at the end of your first year, making it easy to earn rewards.
2. The Capital One® Platinum Credit Card
The Capital One® Platinum Credit Card is another great option for those with bad or no credit.
This card has no annual fee and offers a decent APR, making it a great choice for those trying to rebuild their credit.
Additionally, Capital One reports to all three major credit bureaus, so using this card can help you improve your credit score over time.
3. Citi® Double Cash Card
If you're looking for a soft pull credit card with no annual fee and great rewards, then the Citi® Double Cash Card is a great option.
Cardholders will earn 2% cash back on all purchases. This includes 1% when you make the purchase and another 1% when you pay your bill.
Plus, there's no limit to the amount of cash back you can earn, so this could be a great choice if you spend a lot on your credit card each month.
4. Wells Fargo Active Cash Visa® Card
Finally, the Wells Fargo Active Cash Visa® Card offers the chance to earn a $2000 welcome cash bonus after spending just $1,000 in purchases within the first 3 months.
Plus, you'll also earn 1.5% cash back on all your purchases, with no annual fee or foreign transaction fees.
This is a great option for those who are looking for a rewards credit card with no annual fee.
Soft Pull Credit Cards for Bad Credit
If you have less-than-perfect credit, there are credit cards you can pre-qualify for. The Total Visa® Unsecured Credit Card and the Indigo® Platinum Mastercard® are two good options that both cater to people with lower credit scores.
These cards are also unsecured cards, which means you don't need collateral to qualify. It's a good way to build credit but make sure that you can comfortably afford the payments.
Why Compare Credit Cards with Financer.com
How to Choose the Right Card for Your Needs
Here are a few things to consider when choosing a credit card:
- What is your credit score? If you have good or excellent credit, you will have more options available to you. If your credit score is fair or poor, you may only be eligible for certain types of cards.
- What are your spending habits? Do you tend to spend a lot on groceries or travel? There are cards that offer rewards for those spending categories. Or, if you carry a balance from month to month, you may want to look for a card with a lower interest rate.
- What other features are important to you? Some cards offer cash back or points that can be redeemed for travel or merchandise. Others come with insurance benefits such as rental car insurance or extended warranty protection. Consider what would be most valuable to you and compare offers accordingly.
- Read the fine print! Make sure you understand the terms and conditions of any card before you apply. Pay attention to things like the APR, annual fee, and late payment fees.
By taking the time to consider your needs and compare different offers, you can find the perfect credit card for your wallet!
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Compare Credit Cards with Financer.com
Financer.com helps you compare the best soft pull credit cards and get the lowest rates from leading US lenders.
We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.
Use our free credit card comparison to find the right credit card for your needs.
Soft Pull Credit Cards - FAQs
What is soft pull credit cards?
Soft pull credit cards are cards that do not do a hard inquiry on your credit as part of the pre-approval check. This means checking if you're pre-approved won't impact your credit score.
Do soft pulls hurt your credit score?
A soft pull does not hurt your credit score in any way.
What is the easiest card to get approved?
Are there credit cards that don't do a hard inquiry?
There are credit cards that only do a soft pull on your credit report so you can pre-qualify without a hard credit check. Note that to complete your card application, lenders may proceed with a full inquiry (hard credit pull).
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