Get a Secured Credit Card – Secured Credit Cards | LendingTree

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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on Capital One's secure site

Capital One Platinum Secured Credit Card
 

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  • Rewards Rate Non-rewards Card
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on Capital One's secure site


  • Rewards Rate Non-rewards Card

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 29.99% (Variable)
  • Credit Needed Limited/Poor

Highlights

  • 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 are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
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on Capital Bank, N.A.'s secure site

OpenSky® Plus Secured Visa® Credit Card
 

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  • Rewards Rate Up to 10% cash back* rewards on purchases at over 40,000 retailers
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on Capital Bank, N.A.'s secure site


  • Rewards Rate Up to 10% cash back* rewards on purchases at over 40,000 retailers

  • Rebuild Credit 2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
  • Security Deposit Make smaller partial payments towards funding your security deposit over 60 days
  • Flexible Due Dates Choose any available due date that fits your payment schedule
  • Credit Needed Limited/Poor

Highlights

  • 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
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on Synovus Bank's secure site

First Latitude Select Mastercard® Secured Credit Card
 

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  • Rewards Rate 1% Cash Back on payments
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on Synovus Bank's secure site


  • Rewards Rate 1% Cash Back on payments

  • Rewards Rate 1% Cash Back on payments
  • Purchase APR 19.24% (V)
  • Credit Building Reports to all 3 major credit bureaus
  • Credit Needed Limited/Poor

Highlights

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!¹
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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
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on First Progress's secure site

First Progress Platinum Prestige Mastercard® Secured Credit Card
 

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  • Rewards Rate 1% Cash Back
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on First Progress's secure site


  • Rewards Rate 1% Cash Back

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 15.24% (Variable)
  • Credit Needed Limited/Poor

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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on Capital One's secure site

Capital One Quicksilver Secured Cash Rewards Credit Card
 

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  • 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)
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on Capital One's secure site


  • 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)

  • 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)
  • Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
  • Regular Purchase APR 29.99% (Variable)
  • Credit Needed Limited/Poor

Highlights

  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • For Capital One products listed on this page, some ofthe benefits are provided by Visa® or Mastercard® and may vary by product. Seethe respective Guide to Benefits for details, as terms and exclusions apply
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on First Progress's secure site

First Progress Platinum Select Mastercard® Secured Credit Card
 

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  • Rewards Rate 1% Cash Back
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on First Progress's secure site


  • Rewards Rate 1% Cash Back

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line
  • Regular Purchase APR 19.24% (Variable)
  • Credit Needed Limited/Poor

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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on Merrick Bank's secure site

Merrick Bank Secured Credit Card
 

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  • Rewards Rate Non-rewards card
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on Merrick Bank's secure site


  • Rewards Rate Non-rewards card

  • 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 Mastercard is accepted.
  • Credit Needed Limited/Poor

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.
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on First Progress's secure site

First Progress Platinum Elite Mastercard® Secured Credit Card
 

Rated 2/5.0 stars by our editorial team

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  • Rewards Rate Non-rewards card
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on First Progress's secure site


  • Rewards Rate Non-rewards card

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 25.24% (Variable)
  • Credit Needed Limited/Poor

Highlights

  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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on Applied Bank's secure site

Applied Bank® Secured Visa® Gold Preferred® Credit Card
 

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  • Rewards Rate Non-rewards card
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on Applied Bank's secure site


  • Rewards Rate Non-rewards card

  • 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
  • Credit Needed Limited/Poor

Highlights

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

OpenSky® Secured Visa® Credit Card
 

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  • Rewards Rate Earn up to 10% cash back* on everyday purchases
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on Capital Bank, N.A.'s secure site


  • Rewards Rate Earn up to 10% cash back* on everyday purchases

  • Purchase APR 25.64% (variable)
  • Build Credit Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • Flexible Due Date Choose the due date that fits your schedule with flexible payment dates
  • Credit Needed Poor

Highlights

  • 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
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on Discover's secure site

Discover it® Secured Credit Card
 

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  • Rewards Rate 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.
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on Discover's secure site


  • Rewards Rate 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.

  • Rewards Rate 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.
  • APRs 10.99% Intro APR for 6 months on balance transfers, then 28.24% Variable APR.
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR.*
  • Credit Needed Limited/Poor

Highlights

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • 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.
  • 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.
*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.
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