Surge® Platinum Mastercard®Limited offer

Celtic Bank

Walmart purchases

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Best Soft Inquiry Credit Cards of April 2025

Compare soft pull credit cards on Myfin.us.

Updated April 23, 2025

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Surge® Platinum Mastercard®

Celtic Bank

$75 - $125

Annual Fee

35.90%

Regular APR

This card doesn't offer cash back, miles or points.

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On Celtic Bank‘s site

Secured Visa® Gold Preferred® Credit Card

Applied Bank®

$48

Annual Fee

9.99%

Regular APR

This card doesn't offer cash back, miles or points.

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On Applied Bank®‘s site

First Progress Platinum Prestige Mastercard® Secured Credit Card

$49

Annual Fee

14.24%

Regular APR

Cash Back rewards on payments.

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On First Progress’s site

First Progress Platinum Select Mastercard® Secured Credit Card

$39

Annual Fee

18.24%

Regular APR

Cash Back on payments made to your First Progress Secured credit card account.

Apply now

On First Progress’s site

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Best Credit Cards for Soft Pull in April 2025

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Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

Celtic Bank Surge® Platinum Mastercard®

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Annual fee:

$75 - $125

Regular APR:

35.90% Fixed

Our Rating:

3.2

Credit score

No Credit History to Poor (0-579)

Issuer name:
Celtic Bank
Details:
The Surge® Platinum Mastercard® credit card's APR range is 35.90% Fixed.
This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.
Read full review

Pros:
- Monthly Credit Reporting
- Free Monthly Credit Score
- Prequalification Without a Hard Check
Cons:
- High Annual Fee
- Relatively Low Credit Limit
- Foreign Transaction Fee
- Monthly Maintenance Fee After the 1st year
- High APR

Benefits:
- Up to $1,000 Initial Credit Limit;
- See if you Pre-Qualify with No Impact to your Credit Score;
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit;
- Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
- Unsecured credit card requires No Security Deposit;
- Perfect card for everyday purchases and unexpected expenses;
- Monthly reporting to the three major credit bureaus;
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
- Use your card everywhere Mastercard is accepted at millions of locations;
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).

View all Surge® Platinum Mastercard® details

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On Celtic Bank‘s site

Card detail

Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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Gold Preferred® Secured Visa® Applied Bank

Annual fee:

$48 annually

Regular APR:

9.99% Fixed

Our Rating:

4.23

Credit score

No Credit History to Poor (0-579)

Issuer name:
Applied Bank®
Details:
The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.
The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.
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Pros:
- Extremely low regular APR
- No penalty rate
- Guaranteed approval
- Increase your credit limit
Cons:
- No rewards system
- A lot of fees
- Can’t upgrade to an unsecured credit card
- No grace period

Benefits:
- Reports to All Three National Credit Bureaus;
- Zero Fraud Liability;
- Refundable Security Deposit;
- Global acceptance;
- Emergency card replacement and cash disbursement.

View all Secured Visa® Gold Preferred® Credit Card details

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On Applied Bank®‘s site

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First Progress Platinum Prestige Mastercard® Secured Credit Card

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First Progress Platinum Prestige Mastercard® Secured Synovus Bank

Annual fee:

$49 annually

Regular APR:

14.24% Variable

Our Rating:

3.8

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Cash Back rewards on payments.

Issuer name:
Synovus Bank
Details:
The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.
The Card earns 1% Cash Back rewards on payments.
The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.24% (Variable for purchases), 23.24% (Variable for cash advances).
Read full review

Pros:
- Low APR for Purchases
- No Minimum Credit Score Required
- Reports to Three Major Credit Bureaus
- Suitable Range of Credit Limit
Cons:
- High Annual Fee
- High Transaction Fees on Cash Advance
- High Penalty Fees
- Foreign Transaction Fees

Benefits:
- Earn 1% Cash Back Rewards with First Progress Prestige;
- Apply now and fund your security deposit over 90 days with the option to make partial payments;
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today;
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.
- All credit types welcome to apply;
- Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

View all First Progress Platinum Prestige Mastercard® Secured details

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On First Progress’s site

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First Progress Platinum Select Mastercard® Secured Credit Card

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First Progress Platinum Select Mastercard® Secured Synovus Bank

Annual fee:

$39 annually

Regular APR:

18.24% Variable

Our Rating:

3.5

Credit score

No Credit History to Fair (0-669)

Rewards Rate:
- 1% Cash Back on payments made to your First Progress Secured credit card account.

Issuer name:
Synovus Bank
Details:
The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.
The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.
The card's APR: 18.24% (Variable for Purchases), 24.24% (Variable for Cash Advances).
The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.
Read full review

Pros:
- No credit history required
- No Minimum Credit Score needed
- Low Annual Percentage Rates
Cons:
- Annual Fee
- Foreign Transaction Fee

Benefits:
- Get a First Progress Select Card and Earn 1% Cash Back Rewards;
- Secure your credit line with your refundable security deposit – choose from $200 - $2,000 - with the ability to increase up to $5,000 over time;
- Choose the First Progress Select Card for a lower annual fee;
- All credit types welcome to apply;
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion;
- Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

View all First Progress Platinum Select Mastercard® Secured details

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On First Progress’s site

Card detail

Capital One Venture Rewards Credit Card best for Travel, Daily use

Capital One Venture Rewards Credit Card

Annual fee:

$95 annually

Regular APR:

19.99% - 29.99% Variable

Our Rating:

3.43

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 5x Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- 2x Unlimited 2X miles on every purchase, every day.
Intro Offer:
- 75,000x Bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
Balance Transfer APR:
19.99% - 29.99% Variable

Issuer name:
Capital One
Details:
The Capital One Venture Rewards Credit Card offers rewards of 2 miles per dollar on every purchase, every day. Plus earn 5 miles on hotels, vacation rentals, and rental cars (booked through Capital One Travel).
The Capital One Venture Rewards Credit Card's APR: 19.99% - 29.99% (Variable). The card has an annual fee of $95. Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs.

Pros:
- No Foreign Transaction Fee
- High rewards rate
- Flexible rewards redemption
- Sign-up bonus
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Cons:
- Annual Fee
- No intro APR offer
- Miles transfer to airline partners is less than 1:1

Benefits:
- 75,000 miles once you spend $4,000 on purchases within 3 months from account opening;
- 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel;
- 2x miles on every purchase, every day;
- $0 Fraud Liability;
- 24/7 Customer Service;
- The Eno assistant;
- 24-Hour Travel Assistance Services;
- Auto Rental Collision Damage Waiver;
- Travel Accident Insurance;
- Hertz Five Star status;
- Transfer Your Miles;
- Capital One Shopping;
- Shop With Your Rewards;
- Premier Culinary Experiences;
- Big-time Sports Events;
- Must-See Music Events.

View all Venture Rewards details

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Card detail

Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Citi Double Cash

Annual fee:

Regular APR:

18.24% - 28.24% Variable

Our Rating:

4.53

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
Intro Offer:
- $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Balance Transfer APR:
18.24% - 28.24% Variable

Issuer name:
Citi
Details:
The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories. Earn $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
The Citi® Double Cash offers a 0% percent introductory APR offer on balance transfers (18.24% to 28.24% variable APR after).
The Citi Double Cash extends a myriad of security and fraud protections.

Pros:
- Flat-rate Cash Back Rewards on Everything
- High Rewards Rate
- No annual fee
- Attractive Intro APR on Balance Transfers
Cons:
- Losing your 1% Cash-Back Is Pretty Easy
- Foreign transaction fee
- Balance Transfer Fee

Benefits:
- Citi Entertainment;
- $200 Cash Back;
- 2% Cash Back on every purchase;
- Fraud Protection;
- The Lost Wallet Service;
- $0 Liability for Unauthorized Charges.

View all Double Cash details

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Card detail

Capital Bank OpenSky® Secured Visa® best for 18 year old

Capital Bank OpenSky® Secured Visa®

Annual fee:

$35 annually

Regular APR:

25.64% Variable

Our Rating:

3.82

Credit score

No Credit History to Good (0-739)

Issuer name:
Capital Bank
Details:
With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.
Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.
Read full review

Pros:
- No credit check required
- Does not require a bank account
- Reports to three major credit bureaus
- Low minimum cash deposit
Cons:
- High annual fee
- High Foreign Transaction Fee
- No Rewards
- No Signup Bonus

Benefits:
- No credit check necessary to apply;
- Reports to three major credit bureaus;
- Build credit quickly;
- Doesn't require a bank account.

View all OpenSky® Secured Visa® details

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Card detail

Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

Celtic Bank Deserve EDU

Annual fee:

Regular APR:

22.99% Variable

Our Rating:

3.5

Credit score

No Credit History to Excellent (0-799)

Rewards Rate:
- 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.

Issuer name:
Celtic Bank
Details:
The Deserve EDU Card makes it easy for students to start building credit.
The Card's APR is 22.99% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.
Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).
Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.
Read full review

Pros:
- No prior credit history required
- No SSN Required
- No Annual Fee
- No
- Transactions Fees
- No Co-Signer/ Deposit Required
Cons:
- Relatively High APR
- Fairly Low Rewards
- Only for Students

Benefits:
- Cellphone Protection;
- Collision Damage Waiver;
- Concierge Service;
- No International Transaction Fees;
- Priority Pass™ Membership;
- Mastercard Benefits;
- No Social Security Number required for international students to apply.

View all Deserve EDU details

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Card detail

WebBank AvantCard best for Fair credit

WebBank AvantCard

Annual fee:

$0 - $75 annually

Regular APR:

29.24% - 35.99% Variable

Our Rating:

1.4

Credit score

Fair to Good (580-739)

Issuer name:
WebBank
Details:
The AvantCard Credit Card is an unsecured credit card. The card doesn't require a security deposit. However, there is an annual fee from $0 to $75.
The AvantCard Credit Card doesn’t charge foreign transaction fees (generally 1% to 3% of the amount charged).
The credit limit range for the AvantCard Credit Card is from $300 to $1,000, depending on creditworthiness.
There’s no current sign-up bonus or welcome offer with the Avant Credit Card.

Pros:
- No security deposit
- Pre-qualification is available
- Reports to Three Major Credit Bureaus
- Periodic Account Review for potential credit limit increase
- Accepted Worldwide
Cons:
- Annual fee
- No Card Benefits
- No Signup Offer or Any Rewards
- Permanent and Inflexible 'Payment Due Date

Benefits:
- Zero fraud liability;
- Zero hidden fees;
- Prequalification process;
- No security deposit;
- Reports to major credit bureaus.

View all AvantCard details

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Card detail

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Capital One Platinum Secured Credit Card

Annual fee:

Regular APR:

29.99% Variable

Our Rating:

2.39

Credit score

No Credit History to Poor (0-579)

Balance Transfer APR:
29.99% Variable

Issuer name:
Capital One
Details:
The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.
The card's APR is 29.99% (Variable). Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.
You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.
The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.
Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

Pros:
- Low initial deposit amount of $49, $99, or $200
- You can increase the credit line up to $1000
- No annual fee
- Automatic credit line reviews
- Credit building
Cons:
- High APR
- Low credit limit
- No rewards program

Benefits:
- $0 Fraud Liability;
- Refundable Deposit;
- Capital One CreditWise;
- Eno®, your Capital One assistant;
- Virtual Card Numbers from Eno;
- Emergency Card Replacement;
- ATM Location Services;
- MasterRental Coverage;
- 24/7 Customer Service.

View all Platinum Secured Mastercard® details

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