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Secured Cards

  • Discover our top picks for secured credit cards from our partners to help build your credit
  • Secured credit card expert and Independent ratings & consumer reviews
  • Secure and immediate online application process

See offers from our partners below.


Discover it® Secured Credit Card
 

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on Discover's secure site

Rates & Fees
  • Rewards Rate 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.
  • APRs 10.99% Intro APR for 6 months on balance transfers, then 28.24% Variable APR.
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR.*
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Discover
  • Rewards Rate 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.
  • APRs 10.99% Intro APR for 6 months on balance transfers, then 28.24% Variable APR.
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR.*
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Discover

Highlights

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 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, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

See additional details for Discover it® Secured Credit Card

Capital One Platinum Secured Credit Card
 

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on Capital One's secure site

Rates & Fees
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 29.99% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 29.99% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum 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 score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Capital One Quicksilver Secured Cash Rewards Credit Card
 

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on Capital One's secure site

Rates & Fees
  • Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
  • Regular Purchase APR 29.99% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
  • Regular Purchase APR 29.99% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • 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
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
First Progress Platinum Prestige Mastercard® Secured Credit Card
 

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on First Progress's secure site

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 15.24% (Variable)
  • Annual Fee $49
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 15.24% (Variable)
  • Annual Fee $49
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Merrick Bank Secured Credit Card
 

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on Merrick Bank's secure site

  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for first year. Billed $3 per month thereafter
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for first year. Billed $3 per month thereafter
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • 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 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 Secured Credit Card

First Progress Platinum Elite Mastercard® Secured Credit Card
 

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on First Progress's secure site

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 25.24% (Variable)
  • Annual Fee $29
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 25.24% (Variable)
  • Annual Fee $29
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
OpenSky® Secured Visa® Credit Card
 

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on Capital Bank, N.A.'s secure site

  • Purchase APR 25.64% (variable)
  • Build Credit Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • Flexible Due Date Choose the due date that fits your schedule with flexible payment dates
  • Annual Fee $35
  • Credit Needed Poor
  • Card Brand Visa®
  • Purchase APR 25.64% (variable)
  • Build Credit Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • Flexible Due Date Choose the due date that fits your schedule with flexible payment dates
  • Annual Fee $35
  • Credit Needed Poor
  • Card Brand Visa®

Highlights

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

See additional details for OpenSky® Secured Visa® Credit Card

First Progress Platinum Select Mastercard® Secured Credit Card
 

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on First Progress's secure site

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line
  • Regular Purchase APR 19.24% (Variable)
  • Annual Fee $39
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line
  • Regular Purchase APR 19.24% (Variable)
  • Annual Fee $39
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
OpenSky® Plus Secured Visa® Credit Card
 

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on Capital Bank, N.A.'s secure site

  • Rebuild Credit 2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
  • Security Deposit Make smaller partial payments towards funding your security deposit over 60 days
  • Flexible Due Dates Choose any available due date that fits your payment schedule
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Visa®
  • Rebuild Credit 2/3 of cardholders increase their credit score by an average of 41 points in just 3 months
  • Security Deposit Make smaller partial payments towards funding your security deposit over 60 days
  • Flexible Due Dates Choose any available due date that fits your payment schedule
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Visa®

Highlights

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
Applied Bank® Secured Visa® Gold Preferred® Credit Card
 

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on Applied Bank's secure site

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular APR 9.99% Low Fixed APR
  • No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
  • Annual Fee $48
  • Credit Needed Limited/Poor
  • Card Brand Visa®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular APR 9.99% Low Fixed APR
  • No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
  • Annual Fee $48
  • Credit Needed Limited/Poor
  • Card Brand Visa®

Highlights

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

*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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