Get a Secured Credit Card – Secured Credit Cards | LendingTree
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Secured Cards

Looking to build your credit? See star ratings and expert reviews for the best secured credit cards from our partners—you could get approved in minutes using our secure online application process.

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Discover it® Secured Credit Card
 

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on Discover's secure site


  • Annual Fee $0
  • APR 27.49% Variable APR
  • Rewards Rate
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
    • Earn unlimited 1% cash back on all other purchases.
    1% - 2% cash back
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $133
  • Est. First Year Rewards
    $1,601

The Bottom Line

This is really a top of the line secured credit card when you consider all of the features and perks. The Discover it® Secured Credit Card comes with all the tools you need to start building credit, and you get to earn cash back along the way.

Our Take

The Good

Earning cash back with a secured credit card is an incredible perk that you’ll be hard-pressed to find anywhere else.

The Not So Good

Since it’s a Discover card, it might not be accepted at every single retailer you visit.


Card Details

  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Raise your credit score by 30+ points.
  • Automatic reviews starting at 7 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

Merrick Bank Secured Credit Card
 

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on Merrick Bank's secure site


  • Annual Fee $36 for first year. Billed $3 per month thereafter
  • APR 22.95% Variable
  • Rewards Rate
    Non-rewards card
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

This card is designed for people who want to build or rebuild their credit. When used responsibly, this secured card could be a valuable tool to improve your credit and allow you to then get a better card. Monitor progress in your FICO® Score each month for free.

Our Take

The Good

As long as you don’t have a pending bankruptcy or outstanding tax obligations you may be approved for this card.

The Not So Good

Other cards may review your account earlier than one year to see if you can transition to an unsecured credit line.


Card Details

  • 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.

Capital One Quicksilver Secured Cash Rewards Credit Card
 

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on Capital One's secure site


  • Annual Fee $0
  • APR 29.99% (Variable)
  • Rewards Rate
    • 1.5% Cash Back on every purchase, every day
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
    1.5% - 5% Cash Back
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $88
  • Est. First Year Rewards
    $1,056

The Bottom Line

The Capital One Quicksilver Secured Cash Rewards Credit Card takes our top spot in the secured card category because of its top-shelf unlimited rewards program and limited fees. Don’t miss this one if you’re in the market for a secured card.

Our Take

The Good

The Capital One Quicksilver Secured Cash Rewards Credit Card’s outstanding rewards program marks it out as head-and-shoulders above the competition – and that’s without considering it’s generous security deposit refund program.

The Not So Good

This card comes with all the regular downsides of a secured card, so unless you have low or no credit, a different card may be a better choice.


Card Details

  • 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
  •  For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

OpenSky® Secured Visa® Credit Card
 

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on Capital Bank, N.A.'s secure site


  • Annual Fee $35
  • APR 25.14% (variable)
  • Rewards Rate
    10% cash back
  • Credit Needed Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $53
  • Est. First Year Rewards
    $641

The Bottom Line

This secured card is right in the middle in terms of rates and fees. The annual fee is pretty low compared to similar credit cards.

Our Take

The Good

There is no credit check necessary and you don't need a checking account either. A low annual fee and the potential for a high credit line makes this a great choice if you're looking for a solid secured credit card.

The Not So Good

While this card does earn rewards, it does not come with many other bells and whistles. A secured card may not be your top choice, but it’s essential to building your credit.


Card Details

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

OpenSky® Plus Secured Visa® Credit Card
 

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on Capital Bank, N.A.'s secure site


  • Annual Fee $0
  • APR 29.49% (variable)
  • Rewards Rate
    10% cash back
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    N/A
  • Est. Monthly Rewards
    N/A
  • Est. First Year Rewards
    N/A

The Bottom Line

We don't have a review for this card yet, but sit tight! There's one coming soon.

Our Take

The Good

We don't have a review for this card yet, but sit tight! There's one coming soon.

The Not So Good

We don't have a review for this card yet, but sit tight! There's one coming soon.


Card Details

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

First Progress Platinum Select Mastercard® Secured Credit Card
 

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on First Progress's secure site


  • Annual Fee $39
  • APR 18.49% (V)
  • Rewards Rate
    1% Cash Back
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $53
  • Est. First Year Rewards
    $641

The Bottom Line

The First Progress Platinum Select Mastercard® Secured Credit Card is an average secured card that can be used anywhere Mastercard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.

Our Take

The Good

Card holders will enjoy a 25 day grace period before having to pay interest on purchases.

The Not So Good

This card is somewhat limited in scope, but if your goal is to boost your credit we think it can be valuable.


Card Details

  • 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.

Capital One Platinum Secured Credit Card
 

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on Capital One's secure site


  • Annual Fee $0
  • APR 29.99% (Variable)
  • Rewards Rate
    Non-rewards Card
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

This card now comes with no annual fee, making it one of the few secured cards without it. The Capital One Secured MasterCard is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.

Our Take

The Good

With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.

The Not So Good

The APR is 29.99% (Variable). You also have to put forth a security deposit in order to get this card.


Card Details

  • 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 Capital One's mobile app
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

First Progress Platinum Prestige Mastercard® Secured Credit Card
 

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  • Annual Fee $49
  • APR 14.49% (V)
  • Rewards Rate
    1% Cash Back
  • Credit Needed Limited / Poor

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $53
  • Est. First Year Rewards
    $641

The Bottom Line

The First Progress Platinum Prestige Mastercard can help those who do not have sufficient credit to get a standard credit card. Though the card does require you to put in a security deposit (acting as the "limit" on the card), the payments you make toward it are reported to the credit bureau.

Our Take

The Good

The main benefit of this credit card is that it gives you a chance to build your credit just by spending your own money. Rather than paying cash for the things you need, you can pay with your card and then pay back the balance.

The Not So Good

You have to pay an annual fee of $49 for this card, on top of putting down a security deposit to act as your available balance.


Card Details

  • 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.

*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.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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