10 Best Credit Cards With No Employment Check | Get a credit card without a Job!

Wondering if you can get a credit card without a job or a Credit Cards With No Employment Check ? You may be surprised to learn that credit cards are available for unemployed people.

While you may not have access to the same credit limit as someone with a steady income, it is still possible to use a credit card to build credit and access important financial resources.

This blog post will share 10 of the best credit cards for unemployed people. We’ll also provide tips on getting a credit card without a job and using your credit card account to build credit. Whether you’re currently employed or not, read on for everything you need to know about credit cards for the unemployed or Credit card with no employment check.

Table of Content

• Why does a credit card company conduct an employment background check?
• 10 of the  Best Credit Cards With No Employment Check
  • Capital One Platinum Secured Credit Card
  • Secured Sable ONE Credit Card
  • Total Visa Card
  • Milestone Mastercard
  • Indigo Mastercard
  • Discover it Student Cash Back
  • Journey Student Rewards from Capital One
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • OpenSky Secured Visa Credit Card
• Is It Possible to Apply for a Credit Card Without a Job?
• Conclusion
• FAQ

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Why does a credit card company conduct an employment background check?

Credit card companies want to know that their customers can afford to make credit card payments. An employment background check is one way a credit card company can assess an applicant’s ability to repay credit card debt.

In most cases, credit card companies will only conduct an employment background check if an applicant applies for a new credit card or a credit limit increase. If you’re a current credit card holder in good standing, you may not have to undergo an employment background check when requesting a credit limit increase.

If you’re unemployed and looking for a credit card, don’t despair. There are plenty of credit cards available for people without a job.

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Here are 10 of the  Best Credit Cards With No Employment Check:

Best cards for bad credit with no employment check

If you have bad credit, you may still be able to get a credit card with no employment check. Here are a few of the best credit cards for bad credit with no employment check:

#1. Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is one of the best cards for bad credit with no employment check. There are no annual or hidden fees; you can be approved in seconds.

If you are building your credit, using the Capital One Platinum Secured card responsibly could help. You only need to put down a refundable security deposit starting at $49 to get a $200 initial credit line, and you could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time.

You will be automatically considered for a higher credit line in as little as 6 months with no additional deposit. Finally, enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges.

#2. Secured Sable ONE Credit Card

The Sable ONE Credit Card is one of the best cards for bad credit with no employment check. You can earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More! And 1% cashback on everything else!

There is no credit check or US credit history required. No SSN is required for non-US citizens. You can build US credit history from day 1 at major credit bureaus (get $25 when you build your credit score to a 700+ credit score within 12 months of use).

Get unsecured in as little as 4 months! There is also no annual fee, no foreign transaction fees, and no minimum security deposit.

This card is a great option for those with bad credit and no employment check.

#3. Total Visa® Card

The right credit card can be immensely helpful when you have bad credit and are unemployed. The Total Visa® Card is a great option as it doesn’t require an employment check and has a manageable monthly payment.

It has a $300 credit limit (subject to available credit). Another great perk is that it comes with free Credit Monitoring powered by Transunion – so you can keep an eye on your credit score.

Applying is easy and quick, so you’ll know if you’re approved in seconds. So, you don’t have to wait days or weeks to hear back.

#4. Milestone® Mastercard

Milestone Gold card is one of the best credit cards for poor or bad credit. You can prequalify for the card with no employment check, which will not impact your credit score.

The regular APR is 24.9%, and the annual fee is $35 – $99. The credit needed is poor/bad.

The card also comes with mobile account access, protection from fraud if your card is stolen, and account history is reported to the three major credit bureaus in the U.S.

So, the Milestone Gold Mastercard is a great option if you’re looking for a credit card with no employment check and bad credit.

#5. Indigo® Mastercard

If you’re looking for a credit card that doesn’t require an employment check, the Indigo® Mastercard® for Less than Perfect Credit is a good option.

This card is designed for people with bad or poor credit and offers several features that can help you improve your credit score. For example, the account history is reported to the three major credit bureaus in the U.S., so you can use this card to build up your credit history.

Additionally, mobile account access allows you to check your balance and make payments at any time, which can help you stay on top of your finances. The fraud protection protects you if your card is stolen or lost.

The only downside is that the regular APR is 24.9%, which is relatively high. However, this may be worth it if you need a card that doesn’t require an employment check.

Read More: Indigo platinum mastercard review

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Best Cards for Students With No Employment Check

If you’re a student with no employment check, don’t worry – there are still credit options available to you. A secured or student credit card can be a great way to begin building your credit history.

While you will need to put down a deposit for a secured card, this is typically refundable once you close the account. And, many student cards have low interest rates and generous rewards programs.

So, if you’re looking to build your credit without having a full-time job, these are some of the best cards to consider.

 #6. Discover it® Student Cash Back

When it comes to secured or student cards, the Discover it® Student Cash Back is one of the best on the market. For starters, there is no annual fee.

Additionally, you can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

Plus, customers can earn unlimited 1% cash back on all other purchases – automatically. Discover will also match all the cash back you’ve earned at the end of your first year.

In other words, if you earned $100 in cash back over the course of a year, Discover will give you an additional $100. There is no minimum spending or maximum rewards. This is an excellent card for students who are new to credit or have fair credit.

#7. Journey Student Rewards from Capital One

For students who are just starting out, income can be hard to come by. That’s why the best credit card for students with no employment check is the Journey Student Rewards from Capital One.

With this card, you can earn 1% cash back on all your purchases, which can be increased to 1.25% if you make your payment on time. You’ll also enjoy unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Plus, there’s no annual fee or foreign transaction fees associated with this card. And by using this card responsibly, you can help build your credit.

Just be sure to set up Autopay for automatic monthly payments. With the Journey Student Rewards from Capital One, you can get ahead financially even when you’re just starting out.

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Best Secured Cards With No Employment Check

If you have bad credit, it can be difficult to get approved for a credit card. But a secured credit card may be a good option for you. With a secured card, you’ll need to make a refundable security deposit that matches your credit limit.

Other than the security deposit, though, a secured card works just like an unsecured card. You can use it to make everyday purchases, and you’ll be responsible for paying interest and fees just like with any other credit card.

If you use your secured card responsibly and make all of your payments on time, you can rebuild your credit and eventually qualify for an unsecured card. So if you’re looking to improve your credit, a secured card may be the right choice for you.

#8. Capital One Platinum Secured Credit Card

If you’re looking for a secured credit card with no employment check, the Capital One Platinum Secured card is a great option. There’s no annual or hidden fees, and you could be approved in seconds.

With responsible use, you could earn back your security deposit as a statement credit. Plus, you could be automatically considered for a higher credit line in as little as six months with no additional deposit needed.

And if you ever need it, you’ll have peace of mind knowing that there’s $0 fraud liability so that you won’t be responsible for unauthorized charges.

So if you’re looking for a secured credit card with no employment check, the Capital One Platinum Secured card is definitely worth considering.

#9. Discover it® Secured Credit Card

A secured credit card can help improve your credit score by showing positive activity on your credit report. A secured credit card is a good option for people with bad or limited credit because it requires a security deposit, which acts as collateral for the credit line.

The Discover it® Secured Credit Card requires a security deposit of $200 and gives you a credit line equal to your deposit. This card also has no annual fee and offers cash back rewards.

Another benefit of the Discover it® Secured Credit Card is that it offers automatic reviews starting at 7 months to see if you can transition to an unsecured line of credit and get your deposit back.

There are no Annual fees, so this card is a great option for people with bad credit who are looking to improve their credit score. If you use your credit card responsibly, make your payments on time, and keep your credit utilization low, you could see an improvement in your credit score.

#10. OpenSky® Secured Visa® Credit Card

Have you been turned down for a credit card because you don’t have a long credit history? The OpenSky Secured Visa Credit Card can help you build your credit so that you can qualify for the credit cards you really want.

With OpenSky, there’s no credit check to apply, and you can find out instantly if you are approved. And because OpenSky reports to all three major credit bureaus monthly, unlike a prepaid or debit card, you can build your credit history quickly.

After as few as six months of on-time payments, you could be eligible for the OpenSky Gold Unsecured Card.

So don’t let a lack of credit history keep you from getting the credit cards you want. Apply for the OpenSky Secured Visa Credit Card today.

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Is It Possible to Apply for a Credit Card Without a Job?

You don’t need a job to apply for a credit card, but it can help your chances of getting approved. Most credit card issuers require applicants to have some form of employment.

This is because lenders heavily weigh an applicant’s answers to questions about employment status and total income.

However, employment is not the only factor considered. Many people who don’t have traditional employment still have a credit history and positive income that warrants approval for a credit card. 

As long as you can provide the personal identification questions required on an application form, you can submit an application for credit.

However, multiple applications in quick succession can damage your credit score. And, if you are approved for a credit card, your employment status often determines your credit limit.

Therefore, it’s generally best to have some form of employment before applying for a credit card.

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Is It Possible to Get a Credit Card Approved Without Having Any Income?

Credit card use has been on the rise in recent years, as more and more people are using credit cards to make everyday purchases. However, new credit card account approvals have been declining, as card issuers must now comply with stricter regulations.

This has led to some people wondering if it is still possible to get a credit card approved without having any income. While it may be more difficult than it was in the past, there are still some options available for those who cannot provide income verification.

For example, a cosigner or authorized user might be able to help you get approved for a credit card account.

However, it is important to remember that missed payments or defaults can still negatively impact your credit score.

Ultimately, while getting a credit card approved without income may be challenging, it is still possible to do so if you are willing to explore all of your options.

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Is it legal to lies about employment on a credit card application?

There is no federal law that explicitly prohibits lying on a credit card application, but that doesn’t mean it’s a good idea.

For one thing, most credit card issuers require applicants to provide proof of income, so if you lie about your employment status, you will likely be caught.

In addition, lying on a credit card application is considered fraud, and it can lead to serious consequences, including jail time.

So while there is no law against lying on a credit card application, it’s not something you should do. If you’re caught, you could end up in a lot of trouble.

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Conclusion

While you may be able to apply for a credit card without a job, it is not advisable to do so. Most credit card issuers require applicants to have some form of employment, as this is considered a major factor in determining creditworthiness.

However, there are some credit cards available for those who cannot provide income verification.

Ultimately, while getting a credit card approved without income may be challenging, it is still possible to do so if you are willing to explore all of your options.

Just remember that lying on a credit card application is considered fraud and can lead to serious consequences. So if you’re thinking about applying for a credit card, be honest about your employment status.

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FAQ