Secured Credit Cards

A secured credit card is a great way to take advantage of the benefits of a traditional unsecured card while greatly reducing the risk of getting buried in credit card debt.

PREMIER Bankcard® Secured Credit Card

Credit Recommended:
Bad/Limited/No Credit
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Bad/Limited/No Credit
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Line
See Issuer Website
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Bad/Limited/No Credit

Highlights

  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
See additional details for PREMIER Bankcard® Secured Credit Card

Self - Credit Builder Account + Secured Visa® Credit Card

Credit Recommended:
See website for Details*
Get Started on Lead Bank, Member FDIC, Equal Housing Lender secure website.
Credit Recommended:
See website for Details*
Loan Amount
Save $525-$1,700
Credit Check
No Credit Required
Credit Recommended
See website for Details*
Get Started on Lead Bank, Member FDIC, Equal Housing Lender secure website.

Highlights

  • Get the savings plan that helps build credit today!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
  • Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options.

Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
Apply Now on Capital One® secure website.
Minimum Deposit
$200
Credit Recommended
Limited, Bad
Cash Advance APR
26.99% (Variable)

Highlights

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone

OakStone Secured Mastercard® Platinum Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Intro (Purchases)
N/A
Regular APR
9.99% (V)
Annual Fee
$49
Apply Now on issuer’s secure website.
Credit Recommended
Poor/Limited/No Credit

Highlights

  • Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Platinum Secured Mastercard® details

Capital One Platinum Secured Credit Card

Credit Recommended:
Limited, Bad
Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Fraud Coverage
You're covered by $0 Fraud Liability if your card is ever lost or stolen
Minimum Deposit
$49, $99 or $200
Purchase Grace Period
25 days
Apply Now on Capital One® secure website.
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
Foreign Trans Fee
None

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with our mobile app
See additional details for Capital One Platinum Secured Credit Card

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended:
Poor/Fair/Limited/Damaged
Apply Now on issuer’s secure website.
Credit Recommended:
Poor/Fair/Limited/Damaged
Regular APR
9.99% Fixed
Annual Fee
$48
Credit Line
$200 - $1,000
Apply Now on issuer’s secure website.
Credit Recommended
Poor/Fair/Limited/Damaged
Brand Name
Visa®
Security Deposit
$200 - $1,000

Highlights

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

OpenSky® Secured Visa® Credit Card

Credit Recommended:
Poor
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
17.64% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Apply Now on Capital Bank N.A. secure website.
Credit Recommended
Poor
Cash Advance APR
17.64% (variable)
Late Payment Fee
Up to $38

Highlights

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
See additional details for OpenSky® Secured Visa® Credit Card

Surge Secured Mastercard®

Credit Recommended:
All Credit Types Welcome to Apply
Apply Now on Celtic Bank secure website.
Credit Recommended:
All Credit Types Welcome to Apply
Regular APR
19.99% Variable
Annual Fee
$69
Credit Line
$300
Apply Now on Celtic Bank secure website.
Credit Recommended
All Credit Types Welcome to Apply

Highlights

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Rates & Fees

PCB Secured Visa® Credit Card

Credit Recommended:
Good/Limited Credit
Apply Now on Plains Commerce Bank secure website.
Credit Recommended:
Good/Limited Credit
Card Brand
Visa®
Product Type
Secured
Credit Recommended
Good/Limited Credit
Apply Now on Plains Commerce Bank secure website.
Regular APR
18.90% (fixed)*
Annual Fee
$39*
Credit Line
$200-$1000 at time of application*

Highlights

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
See additional details for PCB Secured Visa® Credit Card
Rates & Fees

Merrick Bank Double Your Line® Secured Visa®

Credit Recommended:
See website for Details
Apply Now on Merrick Bank secure website.
Credit Recommended:
See website for Details
Credit Line
$200, which doubles to $400 if you qualify
Regular APR
17.70% Variable
Cash Advance APR
22.70% Variable
Apply Now on Merrick Bank secure website.
Annual Fee
$36 the first year. Billed $3 per month thereafter
Minimum Deposit
$200
Late Payment Fee
Up to $40

Highlights

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Progress Credit

Credit Recommended:
See website for Details*
Apply Now on issuer’s secure website.
Credit Recommended:
See website for Details*
Regular APR
See website for Details*
Annual Fee
See website for Details*
Credit Line
See website for Details*
Apply Now on issuer’s secure website.
Credit Recommended
See website for Details*

Highlights

  • Get both a Secured MasterCard® and an Unsecured VISA® Credit Card from our trusted partners with this unique program
  • The Secured Card offered by our partners at First Progress requires no credit history or minimum score for approval
  • The unsecured VISA card does not require perfect credit; our partners at First Access Card may approve you when others won’t
  • Open accounts with both VISA and MasterCard so you’ll always have access
  • Both accounts report activity separately to all three Credit Bureaus every month
  • Both cards are genuine credit cards with security protections and nationwide acceptance
  • Apply for both cards – or either card separately – the choice is up to you!
See additional details for Progress Credit

Merrick Bank Secured Visa®

Credit Recommended:
See website for Details*
Apply Now on Merrick Bank secure website.
Credit Recommended:
See website for Details*
Credit Line
$200-$3,000, depending on deposit amount
Regular APR
17.70% Variable
Cash Advance APR
22.70% Variable
Apply Now on Merrick Bank secure website.
Minimum Deposit
$200
Intro (Purchases)
N/A
Intro (Transfers)
N/A

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
See additional details for Merrick Bank Secured Visa®

First Progress Platinum Prestige Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on First Progress secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
10.24% (V)
Annual Fee
$49
Credit Line
$2,000
Apply Now on First Progress secure website.
Credit Recommended
Poor/Limited/No Credit
Cash Advance APR
19.24% (V)

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

First Progress Platinum Select Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on First Progress secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
14.24% (V)
Annual Fee
$39
Credit Line
$2,000
Apply Now on First Progress secure website.
Credit Recommended
Poor/Limited/No Credit
Cash Advance APR
20.24% (V)

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

OakStone Secured Mastercard® Gold Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Intro Purchase APR
N/A
Regular APR
14.24% (V)
Annual Fee
$39
Apply Now on issuer’s secure website.
Credit Recommended
Poor/Limited/No Credit

Highlights

  • Credit lines available from $200 to $5,000! Low 14.24% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Gold Secured Mastercard® details

*See online credit card application for details on the terms and conditions.


As featured on:
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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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