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Secured Cards for Bad Credit

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Capital One® Secured MasterCard®

 

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Your Rating:

3.8/5.0 from 19 Offer Ratings
Over the Past 60 Days!

(19) Over the Past 60 Days!
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 24.99% (Variable)
  • Annual Fee $0
  • Credit Needed
     
    Bad Credit

    Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

    Get Your Free Score!
    Limited/Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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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Discover it® Secured Credit Card - No Annual Fee

 

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Your Rating:

4.3/5.0 from 42 Offer Ratings
Over the Past 60 Days!

(42) Over the Past 60 Days!
  • Cash Back Rewards 2% at restaurants & gas stations, 1% on everything else*
  • Credit Limit Credit line will equal your security deposit of $200 or more*
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Fair/New to Credit

Highlights

  • Once approved, your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).
  • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your Discover card benefits. Reviews are based on responsible credit management across all of your credit cards and loans.
  • No annual fee. No late fee on your first late payment. Paying late won't raise your APR.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
  • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.
  • FICO® Credit Score for free on monthly statements & online.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match(TM) details & other information.

See additional details for Discover it® Secured Credit Card - No Annual Fee

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Citi® Secured MasterCard®

 

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Your Rating:

3.1/5.0 from 24 Offer Ratings
Over the Past 60 Days!

(24) Over the Past 60 Days!
  • Build Your Credit Monthly reporting to the three major credit bureaus
  • Perks and Features Auto Pay can help you stay on top of your bill
  • Worldwide Acceptance Use your card anywhere that accepts MasterCard®
  • Annual Fee $0
  • Credit Needed
     
    Good Credit

    Credit cards for good credit are intended for those with a credit score between 660 - 699.

    Get Your Free Score!
    No/Limited/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Start building credit for tomorrow
  • A security deposit is required for this product (minimum $200)
  • Unlike a prepaid card, it helps build credit history, with monthly notifications to the credit bureaus
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere MasterCard® is accepted — worldwide

See additional details for Citi® Secured MasterCard®

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FingerHut Credit Account

 

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Thanks for rating!

Your Rating:

3.4/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) Over the Past 60 Days!
  • Instant Approval Decision in 60 Seconds
  • Reports to Credit Bureaus Build Credit With Responsible Account Management
  • Credit Lines Earn Access to More Credit with Responsible Credit Use
  • Annual Fee See Terms*
  • Credit Needed
     
    Bad Credit

    Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

    Get Your Free Score!
    Bad

Highlights

  • Click "APPLY NOW" to apply online
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • Get $25 off $100 - USE Promo Code NC568. Exp. 2/28/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.

See additional details for FingerHut Credit Account

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Primor® Secured Visa Gold Card

 

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Thanks for rating!

Your Rating:

3.3/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) Over the Past 60 Days!
  • Monthly Credit Reporting Reports to the Three Major Credit Bureaus
  • Rates & Fees No Penatly Rate or Application Fees*
  • Low On-going Interest 9.99% APR*
  • Annual Fee $49
  • Credit Needed
     
    Bad Credit

    Credit cards for bad credit are intended for those with a credit score of 599 or Lower.

    Get Your Free Score!
    Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Fast, easy application process
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Guaranteed approval* As long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details

See additional details for Primor® Secured Visa Gold Card

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First Progress Platinum Elite MasterCard® Secured Credit Card

 

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Thanks for rating!

Your Rating:

2.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 19.99%
  • Annual Fee $29
  • Credit Needed
     
    No Credit

    Credit cards for no credit are intended for those without an established credit score.

    Get Your Free Score!
    No/Limited

Highlights

  • Click "APPLY NOW" to apply online
  • 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 * See Card Terms.

See additional details for First Progress Platinum Elite MasterCard® Secured Credit Card

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*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 Here" button and review info on the secure credit card terms page.

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Picture of Alaya Moskalski

By: | Nov 21, 2015

I need a guaranteed approval loan or credit card for my very bad credit. It is hard I get denied all the time. Please help me with this issue. I really don't like fees but if I really have to it is OK thank you

2 Replies

By: CompareCards | Nov 22, 2015

Hi Alaya,

One card that offers a guarenteed approval to consumers with bad credit is the Merit Platinum Card. But unfortunately, it does come with some costly fees. The Capital One Secured MasterCard is another good option, but you'll have to put down a refundable security deposit to get approved. One more card to consider is the Credit One Bank Credit Card; although it is not a guaranteed approval, you can find out if you are pre-approved without having to perform a hard credit inquiry.

By: Shane Sloan | Nov 26, 2015

I am working on rebuilding my credit after years of having no revolving credit too. I found secured cards are the best way to go, get the minimum amount they allow, and only use about 25% or less of the available credit line, and pay in full every month. I started with Capital One MasterCard (secured) $200. The trick to increase your score is to have multiple cards, using them every month (as little as possible) and paying in full every month. Try Discover as well. Find cards that do not have annual fees, and ones that when paid in full they charge you nothing!!! Unfortunately this will require you to be able to pay upfront the deposit/normally your balance as well!!! Good luck, please in order to raise your score faster, use the least amount on each card, however something, and pay in full every month.

Picture of William Mccarter

By: | Nov 13, 2014

I would like to say that people with bad credit they do have to worry about there back ground checks because all of these credit offers are not working for me

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Find a Secured Credit Card

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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