The Ultimate Guide to Credit Cards
Monday, November 28, 2022

12 Credit Cards With No Employment Check

Credit Cards With No Employment Check

credit card advice

Adam West

Written by: Adam West

Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »

Reviewed by: Danielle Spurlin

Danielle Spurlin

With more than 10 years of accounting experience, Danielle Marshall has a deep understanding of many financial disciplines, including personal and commercial lending, retirement annuitities, financial forecasting, and general bookkeeping. She has a bachelor's degree from the University of Florida's Fisher School of Accounting and currently manages all accounts receivable and payable for the parent company of CardRates.com. She works directly with credit card issuers and advertising partners to ensure our content meets compliance expectations and regulatory standards.

See full bio »
Advertiser Disclosure

Most lenders want some sort of proof that you can pay back any loan that you receive. That goes for credit cards, banks, or a cousin who floats you a few bucks until payday.

While most credit card applications just want proof of income, some still require proof of employment. We’ve done the work for you and found credit cards with no employment check so you can avoid those applications if you so choose.

Also, keep in mind that no-employment-check credit cards aren’t just for consumers with questionable credit histories. In fact, your options only increase if you have fair, good, or excellent credit, so be sure to check out our options in these categories, as well.

Let’s jump right in as we explore no-employment-check cards and answer some commonly asked questions about the topic.

Bad Credit | Student | Secured | Prepaid | FAQs

Cards For Bad Credit With No Employment Check

If you’re near the bottom of the credit spectrum, you can still find plenty of options to fit your income and credit range. Our best choices, listed below, feature a mix of secured and unsecured cards, and some don’t even require income verification.

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Limited, Bad

While most secured credit cards require you to place a refundable security deposit that matches your credit limit (for example, a $300 deposit yields a $300 credit limit), the Capital One Platinum Secured Credit Card may require a smaller deposit for qualified applicants. Plus, Capital One could increase your credit limit — with no added deposit — after you make your first six payments on time.

Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at Milestone Mastercard®'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

  • 24/7 access to your account information, even on mobile
  • Accepted at nationwide, wherever Mastercard is accepted
  • Access your account online or from your mobile device 24/7
  • Account history is reported to the three major credit bureaus in the U.S
  • Card designs to fit your personality at no extra charge
  • Choice of card image at no extra charge
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Poor/Bad

Not only does the Milestone® Mastercard® – Less Than Perfect Credit Considered not require an employment or income check, but the issuer’s pre-qualifying application can give you an indication of your approval chances without damaging your credit score. Since Milestone® offers a few different credit cards, the application pairs qualified applicants with the card that best suits their needs and credit background.

Indigo® Mastercard® for Less than Perfect Credit Review

at Indigo® Mastercard®'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Bad, Poor Credit

The Indigo® Mastercard® doesn’t require an employment check, and, if eligible, you won’t be on the hook for annual, membership, or other fees to open your account. New cardholders typically start with a $300 credit limit.

Best Cards for Students With No Employment Check

Most student credit cards have strict requirements for applicants, including enrollment in a certain number of credit hours or classes. Many issuers also require proof of income to get approved for a student credit card, but there’s generally no minimum income requirement.

You can get approved for a student credit card with little income, but the card issuer needs to see that you can afford to make the minimum payment each month.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
15.99% - 24.99% Variable APR
$0
Fair/New to Credit

The Discover it® Student Cash Back offers rich cash back rewards for qualified student applicants. It is a great choice for any student seeking their first credit card. Discover is a reputable credit card company with a solid product that can live in your wallet for years to come.

Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.5

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
15.99% - 24.99% Variable APR
$0
Fair/New to Credit

The Discover it® Student chrome is another card from Discover that offers cash back for students, but this one has a simpler rewards structure that doesn’t require quarterly activation. As is the case with its sister card, students with no income who are applying for a Discover it® Student Chrome card will need a co-signer to qualify.

STUDENT RATING

★★★★★
4.5

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Average, Fair, Limited

With the Journey Student Rewards from Capital One, you can increase your cash back earnings and earn a credit limit increase with on-time payments. This no-annual-fee card is a solid option for any student who’s new to building credit.

Best Secured Cards With No Employment Check

If you’re working to rebuild poor credit after making a few mistakes, you may have to turn to a secured credit card to get back on track. These cards typically require a refundable security deposit that matches your credit limit. Other than that, a secured card works exactly like its unsecured brethren.

SECURED RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Limited, Bad

Qualified Capital One Platinum Secured Credit Card applicants may not need to place a full deposit to match their new credit limit. That’s because all new Capital One Platinum Secured Credit Card cards start with a $200 limit. You may earn a credit limit increase after making your first six payments on time — and that increase won’t require an additional deposit.

Discover it® Secured Credit Card Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.7

OVERALL RATING

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
25.99% Variable APR
$0
New/Rebuilding

The Discover it® Secured Credit Card is a rare secured card offering that provides cash back opportunities. Discover also checks your account after an introductory period to see if you qualify for an upgrade to an unsecured card. This card requires a minimum refundable security deposit to open the account, with the amount of your deposit determining your credit limit.

OpenSky® Secured Visa® Credit Card Review

at Capital Bank N.A.'ssecure website

SECURED RATING

★★★★★
4.5

OVERALL RATING

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.39% (variable)
$35
Poor

Not only does the OpenSky® Secured Visa® Credit Card not require an employment check, but it’s one of the rare secured cards that doesn’t even require a credit check. OpenSky® will set your credit limit equal to your refundable deposit. It comes with a competitive interest rate but does charge a small annual fee.

Best Prepaid Cards With No Employment Check

Prepaid cards operate on credit card networks, but not every card includes a line of credit. Depending on your credit history, a lender might limit you to a debit card that allows you to make direct deposits of your paycheck or another source of income.

Brinks Prepaid Mastercard Review

at Republic Bank & Trust Company'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

  • Brink’s gives you the peace of mind you deserve. Securing cash and valuables since 1859.
  • With Brink’s Direct Deposit, you can get paid faster* than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Brink’s Money Prepaid Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply.)
  • *Card issued by Republic Bank & Trust Company, Member FDIC. Card may be used everywhere Mastercard Debit cards are accepted. “Apply Now” for full details.
  • See additional Brink’s Prepaid Mastercard® Details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fees
Not applicable

You won’t pay any monthly fees with a Brink’s Prepaid Mastercard® pay-as-you-go plan, as long as you keep your account active. Instead, you’ll pay a flat $1 fee for each signature transaction and $2 per PIN transaction.

PayPal Prepaid Mastercard® Review

at The Bancorp Bank'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

  • Move money from your PayPal account to fund your prepaid card account.
  • Earn cash back and personalized offers, just for using your card.
  • With Direct Deposit, you can get paid faster than a paper check.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
Not applicable

The PayPal Prepaid Mastercard® lets you easily make transfers from your PayPal account to your prepaid card. It has a convenient mobile app for easily managing your account, and monthly fees are waived with qualifying direct deposits.

NetSpend® Visa® Prepaid Card Review

at NetSpend'ssecure website

PREPAID RATING

★★★★★
4.8

OVERALL RATING

  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card" for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
Not applicable

The Pink Netspend® Visa® Prepaid Card has two cardholder plan types: monthly and pay-as-you-go. With a pay-as-you-go plan, you pay $1.95 every time you use your card. The monthly plan charges a varying fee that can be waived with qualifying direct deposits.

Can You Get a Credit Card Without a Job?

There’s no set rule saying that you must have employment to apply for a credit card — but a job will certainly help your chances of getting approved. The only things credit card issuers truly require on an application are a legal name, address, Social Security number, phone number, and date of birth.

Almost every application will ask for your employment status and total income. While lenders will heavily weigh their decision on your answers to those two questions, they aren’t the only factors taken into consideration.

Many people who don’t have traditional employment still have a credit history and positive income to warrant credit approval. Take, for example, a retiree who wants to apply for a credit card.

You may also be a student, a freelancer, an independent contractor, or self-employed — which most banks don’t consider traditional employment but can still yield an income.

As long as you can provide the personal identification questions, you can submit an application for credit. But keep in mind that multiple applications can damage your credit score.

That’s because every time you apply for credit, the lender submits an inquiry to one or all three of the major credit reporting bureaus to view your credit history. Most credit scoring agencies allow around three inquiries on your credit report for every two-year period.

Your credit score can take a hit once you go beyond that number. Excessive applications tell a lender that you may be currently over your head with debt and need credit to stay afloat. That may make you look like a high risk and make it less likely that they’ll accept your application.

But showing active employment and gainful income goes a long way to prove to the lender that you can honor your debts and pay your bills on time.

Can You Get Approved For a Credit Card With No Income?

The answer to this question depends solely on the type of credit card you apply for — a secured or unsecured credit card.

A secured credit card often requires a refundable deposit that secures your account against default and determines your credit limit. For example, an issuer may require you to pay a $500 deposit to receive a credit card with a $500 limit.

Some secured credit cards still require income verification for approval. But since your account contains the security deposit, several card options won’t require income, employment, or even a credit check.

Unsecured credit cards, on the other hand, don’t require a deposit. But banks that extend this type of credit often want proof that you can repay your debt. That means proof of income — either from employment, a retirement account, investment, or another traceable source.

Secured vs. Unsecured Cards

You may find exceptions to this rule if you include a cosigner on your application. A co-signer acts as a guarantor to your account should you default on your payments. Lenders typically require that your co-signer have an established credit history and proof of income.

While this path could net you approval, it doesn’t come without great responsibility. If you miss a payment or default on your loan, you and your co-signer take the credit score hit, and your co-signer could be on the hook to pay the debt for you. That can quickly ruin a relationship, a family bond, or a friendship.

Another option is to become an authorized user on an existing credit card. When this happens, a friend or family member with a credit card adds your name to the account, and the lender issues a card in your name that draws from the original credit line.

When you use a credit card as an authorized user, you’re tapping into the main user’s available credit, and the main user retains responsibility for any debt you incur. Not paying the bill makes the main cardholder responsible for your charges. Like cosigning, that can have bad consequences.

Finally, if you’re married and 21 years or older, some credit card issuers allow you to use your spouse’s income on your application. This becomes tricky if your spouse already has credit cards issued in his or her name that depend on that income.

What Is the Easiest Credit Card to Get Approved For?

Credit card issuers have worked for years to make it easy to apply for credit. Most online applications take less than five minutes to complete, and credit decisions often take less than a minute to receive.

But while applying may come easy, approval is a whole different ball game.

Your acceptance will likely depend on a mix of your income, credit history, and current debt. If you can meet the requirements on all three, you’ll likely find multiple issuers that will easily approve you. If you have one or more issues with those three, the options become limited.

If that’s the case, you’re best to start with a secured credit card. The OpenSky® Secured Visa® Credit Card has one of the highest approval rates because the card doesn’t require an income or employment check and doesn’t even ask for a credit check.

OpenSky® Secured Visa® Credit Card Review

at Capital Bank N.A.'ssecure website

SECURED RATING

★★★★★

4.5

OVERALL RATING

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.39% (variable)
$35
Poor

As with most secured credit cards, you’ll still have to submit a refundable security deposit to get your card.

Both secured credit cards and credit accounts can still help improve your credit score if you make your payments on time. That’s because both types of accounts report your payment history to at least one credit bureau monthly.

On the flip side, missing a payment or defaulting on your debt can result in the loss of your deposit and a big hit to your credit score.

Can I Lie About Employment On a Credit Card Application?

Lying on a credit card application is considered fraud. Because an application is a legal document, you would be committing loan application fraud.

Your application is likely to be denied, and you may be required to pay fines and, worst-case scenario, serve jail time. If you are tried and convicted, the fine is up to $1 million and jail time is up to 30 years!

MyBankTracker provides the following examples of people who have been convicted of loan application fraud:

  • In 2015, Solomon Gordon Raymond of San Diego was sentenced to nearly five years in prison and ordered to pay $729,192 for committing loan application fraud.
  • Also in 2015, a woman from Raleigh, North Carolina was sentenced to five years in prison for loan application fraud.
  • In 2014, an Ohio woman was sentenced to fourteen years in prison and to pay $73,554 for her role in loan application fraud.

As you can see, lying on a credit card application is not just a bad idea, it’s a crime.

Using Credit Isn’t Advised If You Have No Income

They say money makes the world go ‘round — but it also makes paying your bills a whole lot easier. That’s why it’s important that you never take out a loan or open a credit card account that you know you cannot pay back.

A single payment that’s 30 or more days late can cause your credit score to drop by more than 100 points, which seriously hurts your chances of getting credit approvals in the future.

Even if you can make the minimum payment, credit card debt can result in constant interest charges and years of unnecessary payments that lead to a vicious debt cycle.

If your income isn’t what you’d like it to be, but you still want to rebuild your credit score, consider a secured credit card that can pull your credit rating out of the doldrums and have you ready for an upgraded card when your income and credit score improve.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.