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Compare Your Options

Start here: Already narrowed it down to two options? These go head to head on the details that actually matter.

Pick your starting point

OpenSky vs. Petal Secured with no credit check vs. unsecured with no deposit. Secured Card vs. Credit-Builder Loan Spend now vs. build history first. Petal vs. Capital One Secured No deposit vs. a no-fee deposit-backed card from a major issuer. Self vs. Petal Build savings and credit first vs. a spendable card now.

Free: The No-SSN Credit Card Checklist

The exact documents to have ready before you apply — ITIN or passport, proof of address, proof of income — one printable page.

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