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Secured Mastercard® from Capital One

 

Rated 4/5 stars by our editorial team

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4.0/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!
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on Capital One's secure site

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  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 26.99% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Bad/Poor
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

See additional details for Secured Mastercard® from Capital One

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Discover it® Secured Credit Card

 

Rated 5/5 stars by our editorial team

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4.8/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
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on Discover's secure site

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  • Cash Back Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically
  • 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 Limited/Bad/Poor
  • Card Brand Discover

Highlights

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 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.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

See additional details for Discover it® Secured Credit Card

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Merrick Bank Double Your Line™ Secured Visa®

 

Rated 3.5/5 stars by our editorial team

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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Merrick Bank's secure site

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  • Credit Line $200, which doubles to $400 if you qualify
  • Regular Purchase APR 17.45% Variable
  • Build Credit Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Annual Fee $36 the first year. Billed $3 per month thereafter
  • Credit Needed See website for Details*
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

See additional details for Merrick Bank Double Your Line™ Secured Visa®

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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.


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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