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.

Capital One® Secured Mastercard®

Credit Recommended:
Limited, Bad
Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Balance Transfer Fee
$0
Annual Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.99% (Variable)
Product Type
ConsumerCard
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®

First PREMIER® Bank Secured Credit Card

Credit Recommended:
Bad/Limited/No Credit
Apply Now on First PREMIER® Bank secure website.
Credit Recommended:
Bad/Limited/No Credit
Regular APR
See website*
Annual Fee
See website*
Credit Line
See website*
Apply Now on First PREMIER® Bank secure 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.
  • Only you can build or rebuild credit. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
See additional details for First PREMIER® Bank Secured Credit Card

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


Discover it® Secured

Credit Recommended:
Please refer to issuer's website
Apply Now
Discover it® Secured
Editor’s Rating: 4.1
4.1
Apply Now on Discover Card secure website. See if you may qualify
Credit Recommended:
Please refer to issuer's website
Intro (Purchases)
N/A
Intro (Transfers)
10.99% for 6 months
Regular APR
24.99% Variable
Apply Now on Discover Card secure website. See if you may qualify
Annual Fee
$0
Minimum Deposit
$200
Credit Recommended
Please refer to issuer's website

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 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 additional details for Discover it® Secured
Rates & Fees

The First Latitude MasterCard® Secured Credit Card

Credit Recommended:
Credit Improvement
Apply Now on Synovus Bank secure website.
Credit Recommended:
Credit Improvement
Regular APR
26.49%
Annual Fee
No Annual Fee!
Credit Line
$200 to $2,000 – you choose your limit
Apply Now on Synovus Bank secure website.
Credit Recommended
Credit Improvement
Cash Advance APR
26.49%

Highlights

  • No Annual Fee! Build up your credit with responsible card use.
  • Get Approved Fast – Just Click Below to Start the Process!
  • 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

OpenSky® Secured Visa® Credit Card

Credit Recommended:
Poor
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
19.39% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Apply Now on Capital Bank N.A. secure website.
Credit Recommended
Poor

Highlights

  • 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.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *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

Apply Now on Synovus Bank secure website.
Credit Recommended:
Damaged/Fair
Regular APR
10.49%
Annual Fee
$49
Credit Line
$2,000
Apply Now on Synovus Bank secure website.
Credit Recommended
Damaged/Fair
Cash Advance APR
19.49%

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.

Progress Credit

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

Apply Now on Synovus Bank secure website.
Credit Recommended:
Damaged/Fair
Regular APR
14.49%
Annual Fee
$39
Credit Line
$2,000
Apply Now on Synovus Bank secure website.
Credit Recommended
Damaged/Fair
Cash Advance APR
20.49%

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.

Green Dot primor® Mastercard® Classic Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on Green Dot Bank secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
13.99% (F)
Annual Fee
$39
Credit Line
$200 - $5000
Apply Now on Green Dot Bank secure website.
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!
  • 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® Mastercard® Classic Secured Credit Card details
Rates & Fees

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended:
Poor/Fair/Limited/Damaged
Apply Now on issuer’s secure website.
Credit Recommended:
Poor/Fair/Limited/Damaged
Regular APR
9.99%
Annual Fee
$48
Credit Line
See website for Details*
Apply Now on issuer’s secure website.
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

Green Dot primor® Visa® Gold Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on Green Dot Bank secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
9.99% (F)
Annual Fee
$49
Credit Line
$200 to $5000
Apply Now on Green Dot Bank secure website.
Credit Recommended
Poor/Limited/No Credit

Highlights

  • 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
Rates & Fees

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


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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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