Top $25000 Credit Cards With No Hard Pull Credit Check

Introduction: Unlocking the Power of Credit Cards

Are you looking to rebuild your credit or obtain high limit credit cards? Curious about the top credit cards available?

In this article, we will answer these burning questions and provide insights into the world of credit cards.

Table of Contents

Discover the unique features and benefits of credit cards recommended by industry experts and gain valuable knowledge to make informed financial decisions.

What You Will Learn:

The Top Credit Cards: Explore the top credit cards for rebuilding credit and securing high credit limits.
Unique Card Features: Discover the unique features of each credit card and how they can benefit you.
Strategies for Success: Learn valuable strategies to optimize your chances of approval and effectively manage your credit.

First National Bank of Omaha Evergreen Card: Opening the Doors to Financial Success

The Evergreen Card, offered by the First National Bank of Omaha, is a noteworthy option for those seeking to rebuild their credit or secure high limit credit cards.

This card pulls Experian FICO 9, a credit scoring model used by 90% of banks. One of the unique aspects of the First National Bank of Omaha is its ability to provide both high limit personal credit cards and high limit business credit cards.

This makes it a preferred choice for individuals looking to expand their credit options.

When considering the First National Bank of Omaha, it’s important to understand their approach to inquiries. In the first three months, you can have up to four inquiries without it negatively affecting your application.

Within the first six months, the limit increases to six inquiries. Even if you have 21 inquiries within a 24-month period, there is still a possibility of being approved. It’s worth noting that the bank pulls Experian FICO 9, so it is beneficial to be familiar with this credit scoring model.

https://www.fnbo.com/personal-banking/credit-cards/evergreen

Apple Card: Cutting-Edge Technology Meets Credit Card Innovation

The Apple Card, issued through Goldman Sachs, is a credit card that has caught the attention of many individuals.

What sets this card apart is its ability to approve applicants without hard inquiries showing up on their credit file.

This is an appealing feature for those who are conscious of maintaining a clean credit history. The Apple Card pulls TransUnion FICO 9, making it essential to understand the credit scoring model and its impact on your credit profile.

https://www.goldmansachs.com/our-firm/history/moments/2019-apple-card.html

Patel One and Patel Two Cards: Entry-Level Credit Cards for Building Credit

Illustration of a person holding a credit card with a golden emblem, representing financial power and rewards.

For individuals who do not have a social security number or an established credit file, the Patel One and Patel Two cards offer an opportunity to begin their credit journey. The Patel One card provides credit limits ranging from $300 up to $5000, while the Patel Two card extends credit limits from $300 up to $10,000.

These cards are designed to cater to those with no credit history or bad credit. If you fall into this category, starting with the Patel One card is recommended. However, if your credit score is at least 620 or higher, you may want to consider the Patel Two card for a larger line of credit.

Both the Patel One and Patel Two cards pull TransUnion FICO 9. Understanding the credit scoring model is crucial to increase your chances of approval. Familiarize yourself with TransUnion FICO 9 to gain insights into how lenders evaluate your creditworthiness.

https://www.petalcard.com/petal-1

https://www.petalcard.com/petal-2

Wells Fargo Active Cash Card: Maximizing Benefits through a Trusted Institution

Wells Fargo, a well-established financial institution, offers the Active Cash Card. This card pulls Experian FICO 9, ensuring you are aware of the credit scoring model utilized.

The Active Cash Card is an attractive option, as it allows individuals with a credit score of at least 670 to apply. What sets this card apart is its enticing feature of providing up to 15 months of no interest on purchases and balance transfers.

If you find yourself with high balances on other credit cards or want to consolidate your credit card revolving debt, the Wells Fargo Active Cash Card can be an excellent tool.

By taking advantage of the 15-month no-interest period, you can strategically manage your debt and reduce your debt-to-income ratio.

https://creditcards.wellsfargo.com/active-cash-credit-card/

American Express Delta Gold Card: Unlocking the World of Rewards

American Express is a renowned credit card provider known for its exceptional rewards programs. The Delta Gold Card is a popular choice for individuals with a credit score ranging from 640 to 660.

To increase your chances of approval, American Express offers a pre-qualification process. Utilize this feature to identify the low-hanging fruit credit cards that align with your credit profile.

https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/

American Express Blue Cash Everyday Card: Balancing Convenience with Financial Strategies

Another credit card option from American Express is the Blue Cash Everyday Card. This card offers a 15-month balance transfer, making it an attractive choice for individuals looking to consolidate their credit card balances.

This feature is particularly beneficial for those who have investment plans in mind, such as real estate rehabilitation or acquiring a vehicle for platforms like Turo.

While the 15-month balance transfer period can be advantageous, it is crucial to exercise caution and avoid maxing out the credit card. Maxing out your credit card can negatively impact your credit score, so it’s important to utilize this feature responsibly.

https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/

Unlocking Your Financial Potential: Strategies and Considerations

Image of a person using a smartphone app to manage their credit card payments, with graphical representations showing their financial progress.

When applying for these credit cards, it is essential to consider various factors to optimize your chances of approval. Income plays a vital role, and including all sources of income can significantly impact your application’s outcome.

If you have a spouse, it is crucial to include their income if they are part of the household. Other forms of income, such as child support, alimony, annuities, disability, or rental income, should also be included.

Managing your debt-to-income ratio is equally important when applying for credit cards. To improve your chances of approval, consider paying off small balance open revolving accounts to lower your debt-to-income ratio.

Paying down your balances to zero or under $10 can positively influence lenders’ perception of your credit management skills.

If you recently opened four to six accounts, it is advisable to allow those accounts to season for approximately six months. This allows time for your credit history to establish itself before pursuing additional credit cards.

Credit Card Comparison

Here is a comparison of the mentioned credit cards:

First National Bank of Omaha Evergreen Card:
- Annual Fee: $0
- APR: 20.74% – 28.74% variable
- Rewards Rate: Unlimited 2% cash back on every purchase
- Welcome Bonus: $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened
- Additional Benefits: Flexible redemption options and points don’t expire
Apple Card (issued through Goldman Sachs):
- Annual Fee: $0
- APR: 14.74% – 25.74% variable
- Rewards Rate: 3% cash back on goods or services purchased directly from Apple, 2% cash back on Apple Pay purchases, and 1% cash back on all other purchases
- Welcome Bonus: None
- Additional Benefits: No fees whatsoever, including annual fees, foreign transaction fees, or late payment fees
Petal 1 Visa Credit Card:
- Annual Fee: $0
- APR: 24.99% – 34.49% variable
- Rewards Rate: Up to 10% cash back on select merchants
- Welcome Bonus: None
- Additional Benefits: 1% cash back on all other purchases
Petal 2 Visa Credit Card:
- Annual Fee: $0
- APR: Not specified
- Rewards Rate: Up to 10% cash back on select merchants, 1% cash back on all other purchases
- Welcome Bonus: None
- Additional Benefits: No fees, build credit alongside hundreds of thousands of Petal card members, Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
Wells Fargo Active Cash Card:
- Annual Fee: $0
- APR: 19.99% – 29.99% variable
- Rewards Rate: Unlimited 2% cash rewards on purchases
- Welcome Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Additional Benefits: 0% intro APR on purchases for 15 months from account opening, 0% intro APR on qualifying balance transfers for 15 months from account opening, no annual fee
American Express Delta Gold Card:
- Annual Fee: $0 introductory annual fee for the first year, then $99
- APR: 20.99% – 27.99% variable
- Rewards Rate: 2 miles per dollar spent at restaurants worldwide (plus takeout and delivery in the U.S) and U.S. supermarkets, in addition to the 2 miles per dollar spent on Delta purchases
- Welcome Bonus: Earn 65,000 bonus miles after spending $2,000 on eligible purchases within the first six months
- Additional Benefits: Free checked bag, priority boarding, $100 Delta flight credit after spending $10,000 within a calendar year, 20% back on in-flight purchases, and more
American Express Blue Cash Everyday Card:
- Annual Fee: $0
- APR: 18.99% – 29.99% variable
- Rewards Rate: Ongoing rewards of 1 – 3% cash back, depending on the purchase category, provided as statement credits
- Welcome Bonus: Rewards cardholders who spend $2,000 in the first 6 months with a $200 statement credit
- Additional Benefits: Spending caps on rewards, 2.7% foreign transaction fee, balance transfer fee

Frequently Asked Questions (FAQs)

Can I apply for these credit cards with bad credit?

Yes, some of the mentioned credit cards are specifically designed for individuals with bad credit or no credit history. Cards like the Patel One and Patel Two cards provide an opportunity to build credit from scratch.

However, it’s important to review the specific credit requirements and take steps to improve your credit before applying.

Are there any annual fees associated with these credit cards?

Many of the mentioned credit cards have no annual fees. The First National Bank of Omaha Evergreen Card, Apple Card, Petal 1 Visa Credit Card, Petal 2 Visa Credit Card, and Wells Fargo Active Cash Card are all fee-free.

However, the American Express Delta Gold Card has an introductory annual fee for the first year, which transitions to an annual fee of $99 thereafter. The American Express Blue Cash Everyday Card also has no annual fee.

What are the rewards rates offered by these credit cards?

The rewards rates vary depending on the card. For example, the First National Bank of Omaha Evergreen Card offers unlimited 2% cash back on every purchase.

The Apple Card provides 3% cash back on goods or services purchased directly from Apple, 2% cash back on Apple Pay purchases, and 1% cash back on all other purchases.

The Petal 1 Visa Credit Card and Petal 2 Visa Credit Card offer up to 10% cash back on select merchants and 1% cash back on all other purchases. The Wells Fargo Active Cash Card offers unlimited 2% cash rewards on purchases.

The American Express Delta Gold Card provides 2 miles per dollar spent at restaurants worldwide and U.S. supermarkets, in addition to 2 miles per dollar spent on Delta purchases. The American Express Blue Cash Everyday Card offers ongoing rewards of 1 – 3% cash back, depending on the purchase category.

Do these credit cards offer welcome bonuses?

Yes, some of the credit cards mentioned in the article offer welcome bonuses. For example, the First National Bank of Omaha Evergreen Card provides a $200 cash bonus (equivalent to 20,000 points) when you spend $1,000 within the first 3 billing cycles after account opening.

The Wells Fargo Active Cash Card offers a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
The American Express Delta Gold Card provides an opportunity to earn 65,000 bonus miles after spending $2,000 on eligible purchases within the first six months. However, not all cards have welcome bonuses, so it’s essential to review the specific details of each credit card.

What additional benefits do these credit cards offer?

Each credit card comes with its own set of additional benefits. The First National Bank of Omaha Evergreen Card offers flexible redemption options and points that don’t expire.

The Apple Card stands out with its no-fee policy, including no annual fees, foreign transaction fees, or late payment fees. The Petal 2 Visa Credit Card allows cardholders to build credit alongside hundreds of thousands of Petal card members, with the added convenience of managing finances through Petal’s mobile app.

The American Express Delta Gold Card offers perks such as a free checked bag, priority boarding, $100 Delta flight credit after meeting certain spending thresholds, and 20% back on in-flight purchases.
The American Express Blue Cash Everyday Card offers statement credits as rewards, but it’s important to note that there are spending caps on rewards and a foreign transaction fee of 2.7%.