Best Secured Credit Cards

The first of its kind, the Mine Card helps build credit without interest or late fees. Our only fee is our Membership fee, which costs less than a cup of coffee a month.

The Mine Card doesn’t require a credit check or a cosigner to apply, making it more accessible to students and first-time credit builders.

Build credit up to 100 points after 3 months of on-time use (see site for details)

Cardholders get an unsecured line of credit up to $1,000 based on their existing bank balance, facilitating everyday expenses while discouraging overspending.

Mine cardholders get up to 3% cash back in a spending category of their choice, plus flash deals of up to 100% off at popular brands like Chipotle, Starbucks, Target and more.

Mine offers bite-sized courses on credit, investing, and budgeting. Users also get real-time spending insights, access to budgeting tools, real time credit monitoring, and more.

Mine has thousands of 5 star reviews, is used by 100,000+ students at over 1,000 universities, and is rated the best credit builder for college students by Business Insider.

Exclusive for our readers: Use code MINERV25 to save 25% on your Mine Membership - unlock credit building, cash back rewards, and no hidden fees today.

Earn up to 10% cash back on everyday purchases

No credit check required – 89% approval rate with zero credit risk to apply!

Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months

Track your progress with free access to your FICO® score in our mobile app

Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion

Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay

Start with just $200—secure your credit line with a refundable deposit

Fast and easy application—apply in minutes with our mobile-first experience

Flexible payment options—pick a due date that works for you

More time to fund—spread your security deposit over 60 days with layaway

Join 1.6 million+ cardholders who have used opensky® to build better credit!

Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^

Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^

Apply with no impact to your credit!*

Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹

All credit types welcome to apply!

¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.

^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.

*See Important Disclosures for complete offer details

Put Your Tax Refund to Work — Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^

Apply with no impact to your credit!*

Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!

Choose the First Progress Select Card for a lower annual fee!

All credit types welcome to apply!

Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹

¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.

^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.

*See Important Disclosures for complete offer details