Travel, Daily use
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Best Soft Inquiry Credit Cards of November 2022

Compare soft pull credit cards on Myfin.us.

Best Credit Cards for Soft Pull in November 2022

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

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% 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.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $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;
    • 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
Apply now
On Capital One‘s site
Card detail

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

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% 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 28.49% (Variable).

    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
Apply now
On Capital One‘s site
Card detail

Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

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).

      Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

      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

    WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

    Petal® 2 “Cash Back, No Fees” Visa® WebBank
    Annual fee:
    $0
    Regular APR:
    15.99% - 29.99% Variable
    Our Rating:
    3.8
    scorer
    Credit score
    No Credit History to Excellent (0-799)
    • Rewards Rate:
      • 1% - 1.5%:
      • Cash Back after making 12 on-time monthly payments.
      • 2% - 10%:
      • Cash Back from select merchants.
    • Issuer name:
      WebBank
    • Details:

      The Petal 2 Card has no fees of any kind and is designed to help you build credit.

      The credit limit is from $500 - $10,000.

      Grow your credit score with responsible spending and on-time payments.

      Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

      Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

      Read full review

    • Pros:
      • No annual fee
      • No returned payment fee
      • No foreign transaction fee
      • You can apply even if you have no credit history
      • No late fees
    • Cons:
      • No signup bonus
      • Cash advances are not permitted
      • Those who filed for bankruptcy may be rejected
      • Balance transfers are not allowed
      • No intro APR offer
    • Benefits:
      • No foreign transaction fee;
      • Petal 2 reports to all 3 major credit bureaus;
      • Qualify with average credit.
    View all Petal® 2 “Cash Back, No Fees” Visa® details
    Apply now
    On WebBank‘s site
    Card detail

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

    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.

        Read full review

      • 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
      First Progress Platinum Prestige Mastercard® Secured Synovus Bank
      Annual fee:
      $49 annually
      Regular APR:
      13.74% Variable
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Fair (0-669)
        • 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 First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

          The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

          First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

          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
          • No Bonuses or Rewards
          • Foreign Transaction Fees
          • Unavailability of Card for Certain Geographies in the US
        • Benefits:
          • 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

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

        Deserve EDU Celtic Bank
        Annual fee:
        $0
        Regular APR:
        22.49% 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 22.49% (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
        Apply now
        On Celtic Bank‘s site
        Card detail
        First Progress Platinum Select Mastercard® Secured Synovus Bank
        Annual fee:
        $39 annually
        Regular APR:
        17.74% Variable
        Our Rating:
        3.5
        scorer
        Credit score
        No Credit History to Fair (0-669)
          • 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 doesn’t come with any welcome offers, sign-up bonuses or reward rates.

            The card's APR: 17.74% (Variable for Purchases), 23.74% (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:
            • 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:
          17.74% - 27.74% Variable
          Our Rating:
          4.55
          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 spending $1,500 on purchases in the first 6 months of account opening.
          • Balance Transfer APR:
            17.74% - 27.74% 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 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

            The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent 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;
            • 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:
          17.39% 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