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Secured Mastercard® from Capital One

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 15 Offer Ratings
Over the Past 60 Days!

(15) 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
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score

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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 4 Offer Ratings
Over the Past 60 Days!

(4) 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

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Citi® Secured Mastercard®

 

Rated 3.5/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
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on Citibank's secure site

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  • 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 Limited/No Credit
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Secured Mastercard®

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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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