Secured Credit Cards

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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.

Self - Credit Builder Account + Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Get Started
Self - Credit Builder Account + Secured Self Visa® Credit Card
Get Started on the Self's secure website.
Credit Recommended:
None/Poor
Primary Benefit
Build credit and savings at the same time.
Credit Check
No Hard Credit Check Required
Products Offered
Credit Builder Account and Self Secured Credit Card
Get Started on the Self's secure website.
Credit Recommended
None/Poor
Loan Amount
See website for details*

Highlights

  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
  • If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa® Credit Card*, without a hard credit check. Criteria subject to change.
  • Build credit and savings at the same time.
  • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.
  • At the end of your plan, unlock the savings you built - minus interest and fees.
  • The secured Self Visa® Credit Card is accepted at millions of locations in the U.S.
    *Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The Secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
    ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
See additional details for Self - Credit Builder Account + Secured Self Visa® Credit Card

Current Build Visa® Credit Card

Get Started
Current Build Visa® Credit Card
Get Started on the issuer’s secure website.
Regular APR
0.00%
Products Offered
Mobile Banking & Visa Credit Card
Brand Name
Visa®
Get Started on the issuer’s secure website.
Credit Check
No

Highlights

  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
  • View Product Disclosures
See additional details for Current Build Visa® Credit Card

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Chime Credit Builder Secured Visa® Credit Card

Credit Recommended:
Poor/Fair/Limited/Damaged
Apply Now
Chime Credit Builder Secured Visa® Credit Card
Apply Now on the Chime secure website.
Credit Recommended:
Poor/Fair/Limited/Damaged
Annual Fee
No annual fees
Minimum Deposit
None*
Credit Check
No credit check to apply
Apply Now on the Chime secure website.
Interest Rate
None**
Reports to Consumer Reporting Agencies
Yes
Credit Recommended
Poor/Fair/Limited/Damaged

Highlights

  • Credit Builder is a secured credit card
  • Using Credit Builder can build your credit history
  • Limit risk of overspending by setting your own limit with money you move into the secured deposit account.
  • Chime Checking Account required to apply for the Credit Builder Card
See additional details for Chime Credit Builder Secured Visa® Credit Card

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
*Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
**Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

GO2bank

Credit Recommended:
All Credit Types Considered
Apply Now
GO2bank
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Overdraft Protection
up to $200 with opt-in and eligible direct deposits
Monthly Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Activation Fee
$0
Apply Now on the issuer’s secure website.
Direct Deposit Fee
$0
ATM Fee
$0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
Credit Recommended
All Credit Types Considered

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
See additional details for GO2bank

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

First Progress Platinum Prestige Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
First Progress Platinum Prestige Mastercard® Secured Credit Card
Apply Now on the First Progress secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
14.24% (V)
Annual Fee
$49
Credit Line
$2,000
Apply Now on the First Progress secure website.
Credit Recommended
Poor/Limited/No Credit
Cash Advance APR
23.24% (V)
Rewards Rate
1% Cash Back

Highlights

  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
See additional details for First Progress Platinum Prestige Mastercard® Secured Credit Card

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Plus Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$300-$3000 at time of application
Annual Fee
$0
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.99% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
28.99% (variable)

Highlights

  • No annual fee – keep more money in your pocket!
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Earn up to 10% cash back on everyday purchases
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Plus Secured Visa® Credit Card

Merrick Bank Secured Credit Card

Credit Recommended:
See website for Details*
Apply Now
Merrick Bank Secured Credit Card
Apply Now on the Merrick Bank secure website.
Credit Recommended:
See website for Details*
Credit Line
$200-$3,000, depending on deposit amount
Minimum Deposit
$200
Annual Fee
$36 for first year. Billed $3 per month thereafter
Apply Now on the Merrick Bank secure website.
Regular APR
22.70% Variable
Cash Advance APR
27.70%
Cash Advance Fee
4% Min: $10

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 Credit Card

OpenSky® Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$200-$3000 at time of application
Annual Fee
$35
Apply Now on the Capital Bank N.A. secure website.
Regular APR
24.64% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
24.64% (variable)

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Secured Visa® Credit Card

The Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Apply Now
The Secured Self Visa® Credit Card
Apply Now on the Self's secure website.
Credit Recommended:
None/Poor
Credit Line
Starts at $100 and is equal to your deposit
Minimum Deposit
$100 minimum security deposit*
Credit Check
No Hard Credit Check Required
Apply Now on the Self's secure website.
Regular APR
28.24% Variable
Credit Recommended
None/Poor
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)^

Highlights

  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
    *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
    The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
See additional details for The Secured Self Visa® Credit Card

First Latitude Elite Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
First Latitude Elite Mastercard® Secured Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
24.24% (V)
Cash Advance APR
29.24% (V)
Annual Fee
$29.00
Apply Now on the issuer’s secure website.
Credit Line
Minimum refundable deposit of $200.00 up to $2,000.00*
Credit Recommended
Poor/Limited/No Credit
Rewards Rate
1% Cash Back on payments

Highlights

  • Choose our First Latitude Elite Card for a lower annual APR!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • No minimum credit score required for approval!
  • Secure your credit line with a refundable security deposit - as low as $200 to get started!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
See additional details for First Latitude Elite Mastercard® Secured Credit Card

First Latitude Assent Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
First Latitude Assent Mastercard® Secured Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
28.24% (V)
Cash Advance APR
28.24% (V)
Annual Fee
$0.00
Apply Now on the issuer’s secure website.
Credit Line
Minimum refundable deposit of $200.00 up to $2,000.00*
Credit Recommended
Poor/Limited/No Credit
Rewards Rate
1% Cash Back on payments

Highlights

  • Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000. With the ability to increase up to $5,000 over time!
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Designed to push you forward on your credit building journey with $0 Annual Fee.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
See additional details for First Latitude Assent Mastercard® Secured Credit Card

First Progress Platinum Select Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now
First Progress Platinum Select Mastercard® Secured Credit Card
Apply Now on the First Progress secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
18.24% (V)
Annual Fee
$39
Credit Line
$2,000
Apply Now on the First Progress secure website.
Credit Recommended
Poor/Limited/No Credit
Cash Advance APR
24.24% (V)
Rewards Rate
1% Cash Back

Highlights

  • Get a First Progress Select Card and Earn 1% Cash Back Rewards!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
See additional details for First Progress Platinum Select Mastercard® Secured Credit Card

OpenSky Launch Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky Launch Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$100- $1,000
Minimum Deposit
$100
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.99% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Recommended
No credit, Poor, Fair

Highlights

  • Start building credit with just $100 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky Launch Secured Visa® Credit Card

Atlas Rewards Credit Card

Credit Recommended:
All Credit Considered
Apply Now
Atlas Rewards Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Considered
Regular APR
0%
Credit Recommended
All Credit Considered
Number of Bureaus
All Three Credit Bureaus
Apply Now on the issuer’s secure website.
Rewards Rate
Up to 3% cash back on Gas, Food Delivery, Coffee Shops and more

Highlights

  • Cash back on gas, subscriptions and more
  • Safe spending limits that grow with you
  • No credit history required

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

Categories

Recommended Credit Cards of 2025

Credit Quality

Free Credit Score

Issuers

As featured on:
Huffpost Inc Nasdaq

Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

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.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.

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