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Get a Secured Credit Card – Secured Credit Cards for People with Poor Credit Secured Cards

  • Compare the best secured credit cards from our partners offering various deposit options and no fee terms
  • Secured credit card expert and Independent ratings & consumer reviews
  • Secure and immediate online application process

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on Capital One's secure site

Capital One® Secured Mastercard®

 

Rated 4/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Capital One's secure site

  • Reports to Credit Bureaus

    Build Credit When Used Responsibly

  • Minimum Deposit

    $49, $99, or $200

  • Regular Purchase APR

    26.99% (Variable)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

See additional details for Capital One® Secured Mastercard®

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on Synovus Bank's secure site

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 19 Offer Ratings
Over the Past 60 Days!

(19) Over the Past 60 Days!
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on Synovus Bank's secure site

  • 0% Intro APR

    0.0% Introductory APR for the first 6 months your account is open, then 12.99% (Variable)

  • Build Credit

    Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History

  • Credit Line

    Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $49

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.
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on Discover's secure site

Rates & Fees

Discover it® Secured

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.8/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
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on Discover's secure site

Rates & Fees

  • Cash Back Rewards

    2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

  • Credit Limit

    Credit line will equal your security deposit of $200 or more*

  • Rates and Fees

    No annual fee, no late fee on your first late payment. No penalty APR*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Discover

Highlights

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

See additional details for Discover it® Secured

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on Merrick Bank's secure site

Merrick Bank Secured Visa® Credit Card

 

Rated 3.5/5 stars by our editorial team

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Your Rating:

3.3/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) Over the Past 60 Days!
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on Merrick Bank's secure site

  • Credit Line

    Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!

  • Fraud Liability

    $0 fraud liability for unauthorized charges.

  • Worldwide Acceptance

    Use it anywhere Visa is accepted.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $36 for the first year. Billed $3 per month thereafter.

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
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on OpenSky's secure site

OpenSky® Secured Visa® Credit Card

 

Rated 3.5/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
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on OpenSky's secure site

  • Purchase APR

    17.39% (variable)

  • Build Credit

    Build credit quickly. OpenSky reports to all 3 major credit bureaus.

  • Credit Line

    $200 - $3,000 Credit Line*


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $35

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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.)
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card

See additional details for OpenSky® Secured Visa® Credit Card

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on First Progress's secure site

First Progress Platinum Elite Mastercard® Secured Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

3.5/5.0 from 11 Offer Ratings
Over the Past 60 Days!

(11) Over the Past 60 Days!
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on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line*

  • Regular Purchase APR

    19.99% Variable


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $29

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • See additional First Progress Platinum Elite Mastercard® Secured Credit Card details
Apply Now

on First Progress's secure site

First Progress Platinum Prestige Mastercard® Secured Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 15 Offer Ratings
Over the Past 60 Days!

(15) Over the Past 60 Days!
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on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line*

  • Regular Purchase APR

    9.99%


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $49

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • See additional First Progress Platinum Prestige Mastercard® Secured Credit Card details
Apply Now

on First Progress's secure site

First Progress Platinum Select Mastercard® Secured Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
Apply Now

on First Progress's secure site

  • Improve Your Credit Score

    Free Credit Bureau Reporting

  • Credit Line

    $200 - $2,000 Credit Line

  • Regular Purchase APR

    13.99%


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $39

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • See additional First Progress Platinum Select Mastercard® Secured Credit Card details
Apply Now

on Applied Bank's secure site

Applied Bank® Secured Visa® Gold Preferred® Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
Apply Now

on Applied Bank's secure site

  • Reports to Credit Bureaus

    Build Credit When Used Responsibly

  • Regular APR

    9.99% Low Fixed APR

  • No Penalty Rate

    Your Rate Won’t Go Up Even if You Are Late


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $48

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Find a Secured Credit Card

If you’re new to credit or just starting your financial journey, you may be asking yourself what is a secured credit card? Or, how does a secured credit card work? Secured credit cards are perfect for consumers who have little credit history, no credit history, or bad credit history.

Secured credit cards work the same way as traditional credit cards in that your account activity will be reported to the three major credit bureaus. Secured cards also work like prepaid debit cards because you have to put down, known as a security deposit, in order to use the card. Your security deposit will also act as your line of credit. You should work hard to manage your account responsibly so positive account activity is reflected on your credit report instead of negative account activity.

Compare our secured card options to find the best secured credit card to fit your needs. Once you get approved, you can start to build or rebuild your credit by managing your account responsibly. 

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