Secured Credit Cards

A secured credit card is a great way to take advantage of the benefits of a traditional unsecured card while greatly reducing the risk of getting buried in credit card debt.

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Capital One® Secured Mastercard®
Apply Now on Capital One® secure website.
Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Recommended
Limited, Bad

Highlights

  • 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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First PREMIER® Bank Secured Credit Card
Apply Now on First PREMIER® Bank secure website.
Regular APR
See website*
Annual Fee
See website*
Credit Line
See website*
Credit Recommended
Bad/Limited/No Credit

Highlights

  • If approved, fund the security deposit to open your account.
  • This is a genuine secured credit card - not a debit or prepaid card.
  • Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
  • Security Deposits are placed in an FDIC-insured account.
  • Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts.
  • No credit history required to apply for this credit card.

*See online credit card application for details on the terms and conditions.


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First Progress Platinum Prestige MasterCard® Secured Credit Card
Apply Now on Synovus Bank secure website.
Regular APR
9.99%
Annual Fee
$49
Credit Line
$2,000
Credit Recommended
Damaged/Fair

Highlights

  • No Credit History or Minimum Credit Score Required for Approval
  • 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
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.

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OpenSky® Secured Visa® Credit Card
Apply Now on Capital Bank N.A. secure website.
Regular APR
18.39% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Credit Recommended
Poor

Highlights

  • 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.
  • *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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Progress Credit
Apply Now on issuer’s secure website.
Regular APR
See website for Details*
Annual Fee
See website for Details*
Credit Line
See website for Details*
Credit Recommended
See website for Details*

Highlights

  • Get both a Secured MasterCard® and an Unsecured VISA® Credit Card from our trusted partners with this unique program
  • The Secured Card offered by our partners at First Progress requires no credit history or minimum score for approval
  • The unsecured VISA card does not require perfect credit; our partners at First Access Card may approve you when others won’t
  • Open accounts with both VISA and MasterCard so you’ll always have access
  • Both accounts report activity separately to all three Credit Bureaus every month
  • Both cards are genuine credit cards with security protections and nationwide acceptance
  • Apply for both cards – or either card separately – the choice is up to you!
See additional details for Progress Credit

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USAA Secured Card® Platinum Visa®
Apply Now on USAA Savings Bank secure website.
Intro Rate
N/A*
Intro Period
N/A*
Regular APR
10.90% to 26.90%
Annual Fee
$35*
Balance Transfer
Yes*
Credit Recommended
Establishing/Rebuilding

Highlights

  • 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 details for USAA Secured Card® Platinum Visa®

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.


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Applied Bank® Secured Visa® Gold Preferred® Credit Card
Apply Now on issuer’s secure website.
Regular APR
9.99%
Annual Fee
$48
Credit Line
See website for Details*
Credit Recommended
Poor/Fair/Limited/Damaged

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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primor® Secured Mastercard Classic Card
Apply Now on Berkshire Bank secure website.
Regular APR
13.99% (F)
Annual Fee
$39
Credit Line
$200 - $5000
Credit Recommended
Poor/Limited/No Credit

Highlights

  • 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 Mastercard Classic Card details
See additional details for primor® Secured Mastercard Classic Card

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First Progress Platinum Select MasterCard® Secured Credit Card
Apply Now on Synovus Bank secure website.
Regular APR
13.99%
Annual Fee
$39
Credit Line
$2,000
Credit Recommended
Damaged/Fair

Highlights

  • 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(R) 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 online credit card application for details on the terms and conditions.