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3.9/5.0 from 20 Offer Ratings
Over the Past 60 Days!
Estimate your monthly payments toward fully paying off credit card balancesCredit Card Payoff Calculator
Find out how much money in interest payments you can save by transferring an exisiting credit card balance to a lower interest rate credit card.Balance Transfer Calculator
2% at restaurants & gas stations, 1% on everything else*
Credit line will equal your security deposit of $200 or more*
No annual fee, no late fee on your first late payment. No penalty APR*
Monthly reporting to the three major credit bureaus
Auto Pay can help you stay on top of your bill
Use your card anywhere that accepts MasterCard®
Decision in 60 Seconds
Build Credit With Responsible Account Management
Earn Access to More Credit with Responsible Credit Use
Reports to the Three Major Credit Bureaus
No Penatly Rate or Application Fees*
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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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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.