Search results:Secured

Find the best Secured Credit Cards

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Bankrate.com makes finding, comparing, and applying for a credit card an easy process! Below you will find a listing of some of the most popular cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

  • Capital One® Secured MasterCard®
    • Click "APPLY NOW" to apply online or call 866-781-9766
    • Build credit with responsible use with no processing or application fees
    • Regular reporting to the 3 major credit bureaus
    • Get free access to a credit score, credit report, and credit tips using Credit Tracker
    • 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
  • Purchases
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:22.9% (V)
  • Annual Fee
    Annual Fee:$29
  • Credit Needed
    Credit Needed: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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:14.99% (Variable)
  • Annual Fee
    Annual Fee:$39
  • Credit Needed
    Credit Needed:Bad Credit
  • First Progress Platinum Prestige MasterCard® Secured Credit Card
    • First Progress Secured Card—The smart alternative to prepaid cards and expensive high fee/APR credit cards.
    • 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.
    • Program not available in NY, WI, and IA.
  • Purchases
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:11.99% (Variable)
  • Annual Fee
    Annual Fee:$44
  • Credit Needed
    Credit Needed: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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:19.99% (Variable)
  • Annual Fee
    Annual Fee:$29
  • Credit Needed
    Credit Needed:Bad 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 6 months.
    • As soon as 15 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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:20.99% (Variable)
  • Annual Fee
    Annual Fee:$29
  • Credit Needed
    Credit Needed:N/A
  • 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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:17.45% (Variable)
  • Annual Fee
    Annual Fee:$36
  • Credit Needed
    Credit Needed: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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:17.50% (Variable)
  • Annual Fee
    Annual Fee:$29
  • Credit Needed
    Credit Needed:Bad Credit
  • UNITY® Visa - 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
    • Security deposit FDIC Insured
  • Purchases
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 9.95%
    • Into APR Period
      Balance Transfer Intro APR Period: 6 months
  • Regular APR
    Regular APR:17.99% (Fixed)
  • Annual Fee
    Annual Fee:$39
  • Credit Needed
    Credit Needed: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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:9.90% (Variable)
  • Annual Fee
    Annual Fee:$35
  • Credit Needed
    Credit Needed: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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:9.90% (Variable)
  • Annual Fee
    Annual Fee:$35
  • Credit Needed
    Credit Needed:Bad Credit

Credit card definitions

Purchases Intro APR: The initial interest rate that is charged for a specified period of time.

Purchases Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip
Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.
Credit card tip
Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.
Credit card tip
If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.
Quality Assurance
Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* 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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Product Rate Change Last week
Balance Transfer Cards 15.67%  0.04 15.71%
Cash Back Cards 16.32%  0.04 16.36%
Low Interest Cards 10.91% --0.00 10.91%
 
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