Acredit card with no verification and no credit score inquiry is one of the best ways to improve a bad credit report. By subscribing to a credit card without a credit check for people with bad credit and by using it responsibly, you will be able to improve your situation quickly.
Whether you’ve declared bankruptcy, are insolvent, or have missed many payments in the past, it’s still possible for you to get a credit card. Our selection of the best credit cards for people with bad credit will allow you to make the most informed choice when it comes time to choose the best tool to improve your situation.
The credit cards without credit check and without credit investigation that we have chosen for you are the easiest to access on the market. Unlike traditional credit cards, these credit cards are without verification and investigation of your credit rating or you will be accepted even with a bad rating. You will therefore be able to access these credit cards, even if you have been refused elsewhere in the past. These credit cards without credit check will therefore help you show the creditor that you are a responsible person while allowing you to make your purchases.
Credit cards without a credit check and without a credit score inquiry (get your score for free) which are the easiest to access, on the other hand, often require a security deposit. This means that in some cases you will need to make a deposit with the provider guaranteeing the amount of your credit card limit. Fortunately, however, this is not always the case and we have found cards with and without guarantees for you.
Refresh Financial credit card credit card with guarantee at guaranteed approval.
Refresh Financial card with guarantee
Annual Fee
Credit card benefits
- Guaranteed approval
- 17.99% purchase interest
- Limit 200$-10000$
The Secured Refresh Financial Visa Card is a guaranteed approval card, which means it’s a credit card you can get without any credit checks or inquiries. By applying for this card, you will automatically be approved for the credit card regardless of the status of your credit report as long as you have reached the age of majority in your province or territory of residence.
You are then certain that your credit application will be approved for this credit card with a limit of $200 to $10,000 and therefore can start building your credit again very quickly.
As the credit card without credit check is with guarantee, you will have to advance the funds to the institution so that they can offer it to you (as little as $200). With this type of card you will always be sure to maintain a good relationship with the issuer of the credit card without verification and without investigation of the credit rating , because the amount of your credit limit will have already been paid as a guarantee. You still have to pay the entire balance of the card each month to avoid paying interest. The security deposit for the card is only there to protect the bank if you stop making your payments.
This credit card is one of the best on the market for quickly building or rebuilding your credit report, since Refresh Financial will transmit your activity to the credit agencies each month. To improve your credit rating you will only have to pay your credit card each month and the rest will be done automatically.
Credit Card Benefits: This credit card no credit check no credit score inquiry (get your credit score free) comes to you with several benefits including: guaranteed approval for the card, safe way reliable way to rebuild your credit, very low annual fees of only $12.95 per year**, a lower than average interest rate and much more.
** Monthly maintenance fee of $3 applies.
Capital One low rate Mastercard credit card with guaranteed approval.
Capital One Low Rate Guaranteed Approval
Annual Fee
Credit card benefits
- Guaranteed approval
- 14.9% purchase interest
- 19.8% cash advance interest
Credit Card Enrollment Offer
The Low Rate Mastercard® is a guaranteed approval card, which means it’s a credit card with no credit checks and inquiries. You will therefore be approved for this credit card, regardless of the state of your credit report, if you meet the following conditions:
- You have reached the age of majority in your province or territory of residence
- You don’t already have or are pending approval of a Capital One account
- You have not applied for a card with Capital One more than once in the previous 30 days
- You have not defaulted on an account with Capital One in the last year
By respecting these four simple conditions, you can be sure that your credit application will be approved for this credit card with a limit of $300 to $7,000 and so you can start building your credit again.
This card is great for building or rebuilding your credit report, as Capital One will report your activity to credit reporting agencies each month. All you have to do is keep your account in good standing and you’ll be done. This credit card without a credit check will allow you to build the credit file necessary to obtain more advantageous rates or to buy a house more easily.
Please note that although you are guaranteed to receive approval for this card, you may not have access to the unsecured card. A guaranteed card will be assigned to you instead. In this case, you will need to provide security funds to cover the amount of your credit limit. If so, you can post as little as $300 in collateral and still start building your credit.
Benefits of the credit card: This credit card without credit check and without credit score investigation (get your credit score for free) is offered to you with several advantages, in particular, the price protection service. Price Protection Service is a card feature that allows you to request a refund on the price difference if the item’s price decreases within 60 days of your purchase. This price protection is valid up to $100 per item for a total of up to $500 per year.
Credit card insurance :This credit card without credit check is also very advantageous since it offers you several kinds of protection and insurance. With this card you will be entitled to purchase insurance protecting you against theft, loss or damage anywhere in the world for 120 days following your purchase. You will also be entitled to the extended warranty which will double the original manufacturer’s warranty for a period of up to 2 years. You will also be protected during your travels thanks to the insurance against: travel accidents on board common carriers, collisions/damage with a rental vehicle and baggage delays. You can also benefit from a 24/7 travel assistance service if you need help during your trip.
RBC Visa Classic credit card with low interest rate option
RBC Visa Classic with Low Interest Rate Option
Annual Fee
Credit card benefits
- Approval almost guaranteed
- 12.99% purchase interest
- 12.99% cash advance interest
Credit Card Enrollment Offer
The RBC Visa Classic low interest credit card is a great credit card for those with bad credit; however, your approval is not guaranteed. Credit card approval is not guaranteed, but there is no minimum credit score to apply for this card. Rather, RBC tells us that each application is considered in its entirety. RBC will therefore study your file to see what is your level of savings and debt in relation to your income.
This credit card is all the more interesting since the annual fees are minimal and additional cards are free. You can therefore share this credit card with a member of your family, without paying a supplement.
This credit card also allows you to save a lot of money thanks to its interest rate which is much lower than usual. The interest rate of this card is only 12.99%, compared to the majority of cards which are rather at 19.99%. When you sign up for this card with almost guaranteed approval, you save 7% interest on your credit card balances carried forward.
Other benefits of the credit card: This credit card will also allow you to save on gas when you fill up at Petro-Canada. Just link your card and you’ll save $0.03 on a liter of fuel. Plus, you’ll also get 20% more Petro-Points.
Credit card insurance: This credit card also comes with purchase insurance that protects your goods purchased with your credit card as well as extended warranty protection that enhances the manufacturer’s legal warranty.
Capital One Credit Card with Guaranteed Approval Guarantee
Capital One Credit Card with Guaranteed Approval Guarantee
Annual Fee
Credit card benefits
- Guaranteed approval
- 19.8% purchase interest
- Credit limit of $300 to $2,500
Credit Card Enrollment Offer
Once again, Capital One comes back with another guaranteed approval card. This time, however, it is a credit card without credit check with guarantee. There is therefore no credit check for this card, which will allow anyone, regardless of their credit history, to obtain it. Thanks to this credit card, you will be able to gradually rebuild your store credit card file. However, you will still have to meet the following conditions:
- Have reached the age of majority in your province or territory of residence
- Not already hold or pending approval of a Capital One account
- Have not submitted more than one card application with Capital One in the previous 30 days
- Provide security funds specific to your request
Since this credit card without credit investigation is with guarantee, you will have to advance the funds to the bank so that we can offer it to you. You will therefore always be sure to remain in the good graces of the credit card issuer without verification and without investigation of the credit rating , since the amount that will be advanced to you on the card will have already been paid to him. You’ll still have to pay the full balance on the card each month if you don’t want to pay interest. Rather, security funds are there to protect the bank in the event of default.
So it’s kind of a good grace exchange. You guarantee them the money, and in exchange, they report your credit activity to the credit bureau. This will allow you to rebuild your credit report using this card without a credit check or credit investigation. You may receive a response for this credit card in as little as 1 minute when you apply online.
Apart from the fact that it is a credit card without a credit check and that your approval is guaranteed, this card does not have many other advantages. Indeed, this card unfortunately does not offer any travel insurance or protection on your purchases.
Credit card with or without guarantee?
Traditional credit cards are unsecured cards, so it’s usually harder to get them. With unsecured credit cards, the creditor analyzes your file to determine if you will be accepted and what your credit limit will be. It assesses your risk and you will have nothing to give back for this loan. In the case of a secured credit card, your file will not be evaluated, so it is a card without a credit check, but you will generally have to advance at least the credit limit you request. For example, if you apply for the Capital One Guaranteed Approval Guaranteed Mastercard® with a credit limit of $1,000, you will need to send the bank a check for $1,000.
Secured credit cards are not prepaid credit cards, so you have to pay off the card balance in full each month to avoid interest charges, because the money you send to the bank when you open the account is used to cover a potential payment default and not the balance of the card. When you close your account, the money you advanced will be returned to you.
Thanks to the credit cards without verification and without credit score investigation that we have presented to you, you will now be able to rebuild your credit report, even if you have a bad credit score.
