Secured Credit Cards

Do you have bad credit? Lack a credit history? Secured credit cards are a fantastic way to rebuild or establish your credit. If you keep a low balance relative to your credit limit and pay on time, a secured credit card can put you on the track to a better relationship with the three major credit bureaus. Compare the best secured credit cards so you can get on the right track to build or establish your credit.

  • First National Bank Secured Visa Card
    • Your stepping stone to credit that can grow with you.
    • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
    • How you use your card will reflect on your credit rating with the three major credit bureaus.
    • There is no charge for receiving your FICO® 8 Bankcard Score.
    • You could qualify for additional unsecured credit — without sending an additional deposit — in as few as 7 months.
    • As soon as 11 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
    • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    20.99%(Variable)
    $29
    N/A
  • Capital One® Secured MasterCard®
    or call
    866-927-5834
    • Build credit with responsible use
    • Regular reporting to the 3 major credit bureaus
    • Your security deposit can get you a line up to $3,000
    • You may qualify for a credit line increase based on your payment history and creditworthiness
    • Build a financial foundation you can stand on with a card that gets you started
    • Use it like any MasterCard credit card, accepted at millions of locations worldwide
    • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    22.9%(Variable)
    $29
    Bad Credit
  • First Progress Platinum Prestige MasterCard® Secured Credit Card
    • 24/7 Online Access to Your Account
    • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
    • We can approve you at any credit score, no minimum required.
    • No processing or application fees required.
    • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
    • Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
    • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.99%(Variable)
    $44
    Bad Credit
  • First Progress Platinum Elite MasterCard® Secured Credit Card
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • 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 $300 -- $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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    19.99%(Variable)
    $29
    Bad Credit
  • First Progress Platinum Select MasterCard® Secured Credit Card
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • 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 $300 -- $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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    14.99%(Variable)
    $39
    Bad Credit
  • primor™ Secured Visa Classic Card
    • 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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.99% (Fixed)
    $39
    No Credit Check
  • primor™ Secured Visa Gold Card
    • 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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.99% (Fixed)
    $49
    No Credit Check
  • UNITY® Visa Secured Credit Card - The Comeback Card™
    • A secured credit card designed to help rebuild your credit
    • Reports to all 3 major credit bureaus
    • Low, fixed (Not variable) interest rate of 17.99%
    • Your security deposit can get you Min. $250/Max. $10,000 credit limit
    • Manage your account online
    • No application fee or penalty rate
    • Credit line secured by fully-refundable FDIC insured deposit submitted with application
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.95%
    Intro APR
    6 months
    Intro APR Period
    17.99% (Fixed)
    $39
    Bad Credit
  • OpenSky® Secured Visa® Credit Card
    • Build Your Credit with our monthly reporting to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Apply in less than 5 minutes, No credit check necessary.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Extra Credit When You Need It, increase your credit line up to $5000 (subject to approval).
    • Easy funding options, with 4 ways to fund and No checking account needed.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.50%(Variable)
    $29
    Bad Credit
  • The Secured Visa® from Merrick Bank
    • Get your FICO® Score every month at no charge.
    • Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
    • Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
    • No Processing or application fees.
    • You determine your credit line - up to $3,000
    • Easy funding options - We have several convenient options to easily submit your security deposits
    • Worldwide acceptance - Use it anywhere Visa is accepted.
    • Easy application - Click "Apply Here" to apply online today!
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.45%(Variable)
    $36
    Bad Credit
  • USAA Secured Platinum Card
    • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
    • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
    • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
    • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
    • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
    • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
    • If you are not eligible, USAA credit cards and other products may still be available.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.90%(Variable)
    $35
    Bad Credit
  • USAA Secured Platinum American Express Card
    • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
    • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
    • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
    • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
    • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
    • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
    • If you are not eligible, USAA credit cards and other products may still be available.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.90%(Variable)
    $35
    Bad Credit
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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Secured Credit Cards

Bankrate.com makes finding, comparing, and applying for a credit card an easy process!

Do you have bad credit? Lack a credit history? Secured credit cards are a fantastic way to rebuild or establish your credit. If you keep a low balance relative to your credit limit and pay on time, a secured credit card can put you on the track to a better relationship with the three major credit bureaus. Compare the best secured credit cards so you can get on the right track to build or establish your credit.

For more detailed information or to apply online, simply click the "Apply Now" button.

  • logo
    First National Bank Secured Visa Card
     
    (Tap to show details)
  • Card Info
    • Your stepping stone to credit that can grow with you.
    • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
    • How you use your card will reflect on your credit rating with the three major credit bureaus.
    • There is no charge for receiving your FICO® 8 Bankcard Score.
    • You could qualify for additional unsecured credit — without sending an additional deposit — in as few as 7 months.
    • As soon as 11 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
    • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 20.99%
    (Variable)
  • Annual Fee
    Credit Needed
  • $29
    N/A
  • logo
    Capital One® Secured MasterCard®
     
    (Tap to show details)
  • Card Info
    • Build credit with responsible use
    • Regular reporting to the 3 major credit bureaus
    • Your security deposit can get you a line up to $3,000
    • You may qualify for a credit line increase based on your payment history and creditworthiness
    • Build a financial foundation you can stand on with a card that gets you started
    • Use it like any MasterCard credit card, accepted at millions of locations worldwide
    • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 22.9%
    (Variable)
  • Annual Fee
    Credit Needed
  • $29
    Bad Credit
  • logo
    First Progress Platinum Prestige MasterCard® Secured Credit Card
     
    (Tap to show details)
  • Card Info
    • 24/7 Online Access to Your Account
    • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
    • We can approve you at any credit score, no minimum required.
    • No processing or application fees required.
    • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
    • Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
    • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 11.99%
    (Variable)
  • Annual Fee
    Credit Needed
  • $44
    Bad Credit
  • logo
    First Progress Platinum Elite MasterCard® Secured Credit Card
     
    (Tap to show details)
  • Card Info
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • 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 $300 -- $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
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 19.99%
    (Variable)
  • Annual Fee
    Credit Needed
  • $29
    Bad Credit
  • logo
    First Progress Platinum Select MasterCard® Secured Credit Card
     
    (Tap to show details)
  • Card Info
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • 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 $300 -- $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
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 14.99%
    (Variable)
  • Annual Fee
    Credit Needed
  • $39
    Bad Credit
  • logo
    primor™ Secured Visa Classic Card
     
    (Tap to show details)
  • Card Info
    • 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
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 13.99% (Fixed)
  • Annual Fee
    Credit Needed
  • $39
    No Credit Check
  • logo
    primor™ Secured Visa Gold Card
     
    (Tap to show details)
  • Card Info
    • 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
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 9.99% (Fixed)
  • Annual Fee
    Credit Needed
  • $49
    No Credit Check
  • logo
    UNITY® Visa Secured Credit Card - The Comeback Card™
     
    (Tap to show details)
  • Card Info
    • A secured credit card designed to help rebuild your credit
    • Reports to all 3 major credit bureaus
    • Low, fixed (Not variable) interest rate of 17.99%
    • Your security deposit can get you Min. $250/Max. $10,000 credit limit
    • Manage your account online
    • No application fee or penalty rate
    • Credit line secured by fully-refundable FDIC insured deposit submitted with application
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • 9.95%
    Intro APR
    6 months
    Intro APR Period
  • Regular APR
  • 17.99% (Fixed)
  • Annual Fee
    Credit Needed
  • $39
    Bad Credit
  • logo
    OpenSky® Secured Visa® Credit Card
     
    (Tap to show details)
  • Card Info
    • Build Your Credit with our monthly reporting to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Apply in less than 5 minutes, No credit check necessary.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Extra Credit When You Need It, increase your credit line up to $5000 (subject to approval).
    • Easy funding options, with 4 ways to fund and No checking account needed.
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 17.50%
    (Variable)
  • Annual Fee
    Credit Needed
  • $29
    Bad Credit
  • logo
    The Secured Visa® from Merrick Bank
     
    (Tap to show details)
  • Card Info
    • Get your FICO® Score every month at no charge.
    • Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
    • Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
    • No Processing or application fees.
    • You determine your credit line - up to $3,000
    • Easy funding options - We have several convenient options to easily submit your security deposits
    • Worldwide acceptance - Use it anywhere Visa is accepted.
    • Easy application - Click "Apply Here" to apply online today!
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 17.45%
    (Variable)
  • Annual Fee
    Credit Needed
  • $36
    Bad Credit
  • logo
    USAA Secured Platinum Card
     
    (Tap to show details)
  • Card Info
    • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
    • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
    • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
    • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
    • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
    • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
    • If you are not eligible, USAA credit cards and other products may still be available.
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 9.90%
    (Variable)
  • Annual Fee
    Credit Needed
  • $35
    Bad Credit
  • logo
    USAA Secured Platinum American Express Card
     
    (Tap to show details)
  • Card Info
    • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
    • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
    • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
    • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
    • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
    • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
    • If you are not eligible, USAA credit cards and other products may still be available.
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 9.90%
    (Variable)
  • Annual Fee
    Credit Needed
  • $35
    Bad Credit

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.