Best Soft Inquiry Credit Cards of October 2024

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.

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.

The Surge® Platinum Mastercard® credit card's APR range is 35.90%.

The monthly maintenance fee is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

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.

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

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

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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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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: 14.74% (Variable for purchases), 23.74% (Variable for cash advances).

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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: 18.74% (Variable for Purchases), 24.74% (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%.

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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.

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.

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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.

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