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Secured Cards for Bad Credit

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Capital One® Secured Mastercard®


Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 31 Offer Ratings
Over the Past 60 Days!

(31) 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 Limited/Bad
  • Card Brand Mastercard®


  • 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


Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 75 Offer Ratings
Over the Past 60 Days!

(75) Over the Past 60 Days!
  • Cash Back Rewards Up to 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter, 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 Poor/New to Credit
  • Card Brand Discover


  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use. 
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit. 
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit. 
  • 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 – automatically. 
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • See Rates & Fees

See additional details for Discover it® Secured

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Green Dot primor® Visa® Gold Secured Credit Card


Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 48 Offer Ratings
Over the Past 60 Days!

(48) Over the Past 60 Days!
  • Monthly Credit Reporting Reports to the Three Major Credit Bureaus
  • Rates & Fees No Penalty Rate or Application Fees*
  • Low On-going Interest 9.99% APR*
  • Annual Fee $49
  • Credit Needed Poor/Limited/No Credit
  • Card Brand Visa®


  • Click "APPLY NOW" to apply online
  • 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

See additional details for Green Dot primor® Visa® Gold Secured Credit Card

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First Progress Platinum Elite Mastercard® Secured Credit Card


Rated 2/5 stars by our editorial team

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Your Rating:

2.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) 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/Limited
  • Card Brand Mastercard®


  • 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 Now" 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,

The Capital One Secured MasterCard is 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. 

" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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