Rated 4/5 stars by our editorial team
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4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!
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Reports to Credit Bureaus
Build Credit When Used Responsibly
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Minimum Deposit
$49, $99, or $200
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Regular Purchase APR
26.99% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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 details for Capital One® Secured Mastercard®
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Cash Back Rewards
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.
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Credit Limit
Credit line will equal your security deposit of $200 or more*
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Rates and Fees
No annual fee, no late fee on your first late payment. No penalty APR*
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Typical Credit Needed
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Annual Fee
$0
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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 with your tax return by providing a refundable security deposit from $200-$2500 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.
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- We automatically match all the cash back you’ve earned at the end of your first year.
- Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
- See Rates & Fees
See additional details for Discover it® Secured
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Improve Your Credit Score
Free Credit Bureau Reporting
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Credit Line
$200 - $2,000 Credit Line*
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Regular Purchase APR
20.74%
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Typical Credit Needed
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Annual Fee
$29
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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.
See additional details for First Progress Platinum Elite Mastercard® Secured Credit Card
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Monthly Credit Reporting
Reports to the Three Major Credit Bureaus
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Rates & Fees
No Penalty Rate or Application Fees*
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Low On-going Interest
9.99% APR*
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Typical Credit Needed
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Annual Fee
$49
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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!
- 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.
- See additional Green Dot primor® Visa® Gold Secured Credit Card details
See additional details for Green Dot primor® Visa® Gold Secured Credit Card
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Build Your Credit
Monthly reporting to the three major credit bureaus
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Perks and Features
Auto Pay can help you stay on top of your bill
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Worldwide Acceptance
Use your card anywhere that accepts Mastercard®
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
- Use your card anywhere Mastercard® is accepted — worldwide.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
- Get help staying on track with Auto Pay and account alerts.
- With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
- Manage your account 24/7 online, by phone, or in our mobile app.
See additional details for Citi® Secured Mastercard®
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Improve Your Credit Score
Free Credit Bureau Reporting
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Credit Line
$200 - $3,000 Credit Line*
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Regular Purchase APR
19.64%*
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Typical Credit Needed
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Annual Fee
$35
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
- Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
- Security deposit needs to be submitted before the credit card can be issued.
- No credit check necessary and no checking account required; apply in less than 5 minutes.
- Extra credit when you need it, increase your credit line up to $5000.
- Access to online financial education.
- *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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Reports to Credit Bureaus
Build Credit When Used Responsibly
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Regular APR
9.99% Low Fixed APR
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No Penalty Rate
Your Rate Won’t Go Up Even if You Are Late
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Typical Credit Needed
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Annual Fee
$48
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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
See additional details for Applied Bank® Secured Visa® Gold Preferred® Credit Card
*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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