Secured Credit Cards

A secured credit card is a kind of credit card which is backed by a savings account used as collateral on credit available with the card. It acts as a tool to help you build your credit history. For instance, if you have had some problems getting approved for an unsecured card before, then the secured card will be proper for you. However, you need to deposit at least $300-$500 which varies by card to have the credit of equalling with the deposit amount or some percentage more than the amount. Compare the selections of secured credit cards we’ve listed and pick one you like.

Capital One® Secured Mastercard®

capital-one-secured-mastercard
on Capital One's secure website
4.8

Capital One® Secured Mastercard®

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  • See additional Capital One® Secured Mastercard® details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 24.99% (Variable)
Annual Fee $0
Credit Needed Bad

Discover it® Secured Card

discover-it-secured-card
on Capital One's secure website
4.7

Discover it® Secured Card

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
  • See additional Discover it® Secured Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR 10.99% for 6 months
Regular APR 23.74% Variable
Annual Fee $0
Credit Needed No Credit, Bad, Average

OpenSky® Secured Visa® Credit Card

opensky-secured-visa-credit-card
on Capital One's secure website
4.7

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • See additional OpenSky® Secured Visa® Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 18.14% (Variable)
Annual Fee $35
Credit Needed Bad, No Credit

First Progress Platinum Elite MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • 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
  • See additional First Progress Platinum Elite MasterCard® Secured Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 19.99% (Variable)
Annual Fee $29
Credit Needed Bad

UNITY® Visa Secured Credit Card

unity-visa-secured-credit-card
on Capital One's secure website
4.8

UNITY® Visa Secured Credit Card

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
  • See additional UNITY® Visa Secured Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR 9.95% for 6 months
Regular APR 17.99% (Fixed)
Annual Fee $39
Credit Needed Bad

First Progress Platinum Prestige MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See additional First Progress Platinum Prestige MasterCard® Secured Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 9.99% (Variable)
Annual Fee $49
Credit Needed Bad

primor® Secured Visa Classic Card

primor-secured-visa-classic-card
on Capital One's secure website
4.9

primor® Secured Visa Classic Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% 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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Visa Classic Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 13.99%
Annual Fee $39
Credit Needed No Credit

Citi® Secured Mastercard®

citi-secured-mastercard
on Capital One's secure website
4.6

Citi® Secured Mastercard®

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
  • See additional Citi® Secured Mastercard® details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 23.49%* (Variable)
Annual Fee $0
Credit Needed No Credit

First Progress Platinum Select MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • 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
  • See additional First Progress Platinum Select MasterCard® Secured Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 13.99% (Variable)
Annual Fee $39
Credit Needed Bad

USAA Secured Card® Platinum Visa®

usaa-secured-card-platinum-visa
on Capital One's secure website
4.6

USAA Secured Card® Platinum Visa®

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • See additional USAA Secured Card® Platinum Visa® details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 10.90%-26.90% (Variable)
Annual Fee $35
Credit Needed Bad

primor® Secured MasterCard Gold Card

primor-secured-mastercard-gold-card
on Capital One's secure website
4.6

primor® Secured MasterCard Gold Card

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
  • *See application for additional details
  • See additional primor® Secured MasterCard Gold Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 9.99%
Annual Fee $49
Credit Needed No Credit, Bad

primor® Secured MasterCard Classic Card

primor-secured-mastercard-classic-card
on Capital One's secure website
4.9

primor® Secured MasterCard Classic Card

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
  • *See application for additional details
  • See additional primor® Secured MasterCard Classic Card details
Show More... Show Less
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 13.99%
Annual Fee $39
Credit Needed No Credit, Bad

USAA Secured Card® American Express®

usaa-secured-card-american-express
on Capital One's secure website
4.6

USAA Secured Card® American Express®

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • See additional USAA Secured Card® American Express® details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 10.90%-26.90% (Variable)
Annual Fee $35
Credit Needed Bad

First PREMIER® Bank Secured Credit Card

first-premier-bank-secured-credit-card
on Capital One's secure website
4.5

First PREMIER® Bank Secured Credit Card

  • No credit history required to apply for this credit card
  • Application response in as little as 30 seconds.
  • This is a genuine secured credit card - not a debit or prepaid card.
  • If approved, fund your Security Deposit to open your account. Once open, you will have the opportunity to build your credit limit up to $5,000.
  • Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
  • Quarterly FICO score on your monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
  • See additional First PREMIER® Bank Secured Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR See Issuer Website
Annual Fee See Issuer Website
Credit Needed Bad

Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • 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
  • See additional Applied Bank® Secured Visa® Gold Preferred® Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 9.99% (Fixed)
Annual Fee $48
Credit Needed Bad

The Secured Visa® from Merrick Bank

the-secured-visa-from-merrick-bank
on Capital One's secure website
4.7

The Secured Visa® from Merrick Bank

  • Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options - several convenient options to easily submit your security deposits.
  • Worldwide acceptance - use it anywhere Visa is accepted.
  • Quick, easy application - apply online today!
  • See additional The Secured Visa® from Merrick Bank details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 18.20% (Variable)
Annual Fee $36
Credit Needed Bad

primor® Secured Visa Gold Card

primor-secured-visa-gold-card
on Capital One's secure website
4.7

primor® Secured Visa Gold Card

  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% 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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line
  • See additional primor® Secured Visa Gold Card details
Show More... Show Less
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 9.99%
Annual Fee $49
Credit Needed Bad, No Credit

Digital Federal Credit Union Visa Platinum Secured Credit Card

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Purchases Intro APR 12.50%, Variable
Balance Transfers Intro APR 0
Regular APR 12.50%, Variable
Annual Fee $0
Credit Needed Bad, Average, Good, Excellent