To bring you the list of soft pull credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor statistics.
To select the best card for each of these categories, our credit card experts compared cards designed for individuals with poor, limited or nonexistent credit that don’t require a soft pull on both LendingTree.com and issuer sites. While there are only a select few cards that fit that criteria, we chose our top picks based on factors such as interest rates on purchases, the required security deposits, annual fees and any additional fees.