OUR TOP PICK · POOR CREDIT, NO DEPOSIT
- CREDIT LIMIT
- $700
- ANNUAL FEE
- $175 first year
- APR
- 35.9%
- PREQUALIFY
- —
Credit limit $700
Annual fee: $175 first year, then $49
Reports to Equifax, Experian and TransUnion
NO DEPOSIT CREDIT CARD
Best no-deposit credit cards of October 2026
Real cards that build credit with no security deposit, and most let you pre-qualify without touching your score. We rank them by real cost and approval odds.
Featured partners first, then by Firstcard rating
BEST FOR PAYCHECK-BASED CREDIT BUILDING
- CREDIT LIMIT
- Up to $1,500 to start
- ANNUAL FEE
- $0
- APR
- 27.99%–29.99%
- PREQUALIFY
- No
Credit limit up to $1,500 to start
No annual fee
Reports to Equifax, Experian and TransUnion
BEST FOR NO CREDIT HISTORY, NO DEPOSIT
Arro Card
4.4
- CREDIT LIMIT
- Up to $300 to start
- ANNUAL FEE
- Up to $60 membership
- APR
- Starting at 24.99%
- PREQUALIFY
- —
Credit limit up to $300 to start, grow to $2,500
Up to $60 membership
Reports to Equifax, Experian and TransUnion
BEST FOR BAD CREDIT, NO DEPOSIT
- CREDIT LIMIT
- $700
- ANNUAL FEE
- $175 first year
- APR
- 35.9%
- PREQUALIFY
- —
Credit limit $700
Annual fee: $175 first year, then $49
Reports to Equifax, Experian and TransUnion
BEST FOR FAIR CREDIT, EARNING CASH BACK
Apply Now for Aspire Cash Back Rewards Mastercard (opens in a new tab)
On The Bank of Missouri’s site
- CREDIT LIMIT
- Up to $1,000
- ANNUAL FEE
- $49 to $175 first year
- APR
- 29.99% or 36%
- PREQUALIFY
- Yes
Credit limit up to $1,000
Annual fee: $49 to $175 first year, then $0 to $49
Prequalify with no impact to your credit score.
BEST FOR REBUILDING CREDIT WITHOUT A DEPOSIT
- CREDIT LIMIT
- $700
- ANNUAL FEE
- $175 first year
- APR
- 35.9%
- PREQUALIFY
- —
Credit limit $700
Annual fee: $175 first year, then $49
Reports to Equifax, Experian and TransUnion
BEST FOR FAIR CREDIT, NO DEPOSIT
- CREDIT LIMIT
- $300 to $3,000
- ANNUAL FEE
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- PREQUALIFY
- Yes
Credit limit $300 to $3,000
No annual fee
Reports to Equifax, Experian and TransUnion
Other no-deposit cards we track
Rated the same way as the cards above. Firstcard has no offer for these, so there is no apply button, only our review.
No annual fee · 29.24% variable APR
No annual fee · 19.99% to 33.99% variable APR · Up to $3,000 to start, by card (Green Line: $300 to $2,000) limit
Annual fee: $75 first year, then $99 (billed $8.25/mo) · 29.74% variable APR · $300 minimum limit
No annual fee · 35.99% APR · Up to $1,500 or $3,000, by card version limit
