Travel, Daily use
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Best Soft Inquiry Credit Cards of March 2024

Compare soft pull credit cards on Myfin.us.

Best Credit Cards for Soft Pull in March 2024

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

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Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.43
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
    • 2x Unlimited 2X miles on every purchase, every day.
  • Intro Offer:
    • 75,000x Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 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 for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in 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, equal to $750 in travel;
    • 5x miles on hotels and car rentals;
    • 2x miles on every purchase, every day;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • 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.
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Capital One Platinum Secured Credit Card best for Single mom, Without SSN

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Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
30.74% Variable
Our Rating:
2.37
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    30.74% 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 30.74% (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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Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

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Celtic Bank Surge® Platinum Mastercard®
Annual fee:
$75 - $99 annually
$99 annually
Regular APR:
24.99% - 29.99% Variable
Our Rating:
3.2
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Celtic Bank
    • Details:

      The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

      The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

      There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

      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
      • Potential Credit Limit Increase After 6 Months
      • 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:
      • $0 Fraud Liability;
      • Monthly reporting to the three major credit bureaus;
      • Possible credit limit increase after just six months;
      • Free Monthly Credit Score.
    View all Surge® Platinum Mastercard® details
    Apply now
    On Celtic Bank‘s site
    Card detail

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

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    Gold Preferred® Secured Visa® Applied Bank
    Annual fee:
    $48 annually
    Regular APR:
    9.99% Fixed
    Our Rating:
    4.23
    scorer
    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
      Apply now
      On Applied Bank®‘s site
      Card detail
      Apply now
      First Progress Platinum Prestige Mastercard® Secured Synovus Bank
      Annual fee:
      $49 annually
      Regular APR:
      15.24% Variable
      Our Rating:
      3.8
      scorer
      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: 15.24% (Variable for purchases), 24.24% (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:
        • 1% Cash Back rewards on payments;
        • Accepted Nationwide;
        • No Minimum Credit Score;
        • No Credit History Required.
      View all First Progress Platinum Prestige Mastercard® Secured details
      Apply now
      On First Progress’s site
      Card detail
      Apply now
      First Progress Platinum Select Mastercard® Secured Synovus Bank
      Annual fee:
      $39 annually
      Regular APR:
      19.24% Variable
      Our Rating:
      3.5
      scorer
      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: 19.24% (Variable for Purchases), 25.24% (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%.

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      • Pros:
        • No credit history required
        • No Minimum Credit Score needed
        • Low Annual Percentage Rates
      • Cons:
        • Annual Fee
        • Foreign Transaction Fee
      • Benefits:
        • 1% Cash Back on payments made to your First Progress Secured credit card account;
        • Accepted Nationwide;
        • No Minimum Credit Score;
        • No Credit History Required.
      View all First Progress Platinum Select Mastercard® Secured details
      Apply now
      On First Progress’s site
      Card detail

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

      Double Cash Citi
      Annual fee:
      $0
      Regular APR:
      19.24% - 29.24% Variable
      Our Rating:
      4.49
      scorer
      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:
        19.24% - 29.24% 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 (19.24% to 29.24% 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.
      Card detail

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

      Secured Visa® OpenSky®
      Annual fee:
      $35 annually
      Regular APR:
      25.64% Variable
      Our Rating:
      3.82
      scorer
      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.
        Card detail

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

        Deserve EDU Celtic Bank
        Annual fee:
        $0
        Regular APR:
        22.99% Variable
        Our Rating:
        3.5
        scorer
        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.
        Card detail

        WebBank AvantCard best for Fair credit

        AvantCard WebBank
        Annual fee:
        $0 - $59 annually
        Regular APR:
        29.24% - 35.24% Variable
        Our Rating:
        1.41
        scorer
        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 $59.

            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.
          Card detail