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Secured Credit Card Options and Offers
Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies. Getting a secured card is easy! Funds you deposit at the bank are used as collateral for the credit card. You use the card like any credit card. You can rebuild your credit history by making on time monthly payments to all of your creditors and by maintaining your balances under the credit limits.
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At Synovus Bank's
secure site
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- Nationwide Program - though not yet available in NY, IA, AR, or WI
- Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- No Credit History or Minimum Credit Score Required for Approval
- 24/7 Access to Your Account Online
- New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
11.99% (Variable) |
$44 |
Bad Credit |
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At Capital One's
secure site
--OR--
Call Capital One at
888-825-2191
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- Build credit with responsible use with no processing or application fees
- Regular reporting to the 3 major credit bureaus
- Monitor credit with access to a credit score and other tools
- 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
- Use it like any MasterCard credit card, accepted at millions of locations worldwide
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
22.9% (V) |
$29 |
Bad Credit |
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At Synovus Bank's
secure site
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- Nationwide Program - though not yet available in NY, IA, AR, or WI
- Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- No Credit History or Minimum Credit Score Required for Approval
- 24/7 Access to Your Account Online
- New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
19.99% (Variable) |
$29 |
Bad Credit |
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At Synovus Bank's
secure site
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- Nationwide Program - though not yet available in NY, IA, AR, or WI
- Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- No Credit History or Minimum Credit Score Required for Approval
- 24/7 Access to Your Account Online
- New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
14.99% (Variable) |
$39 |
Bad Credit |
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At Merrick Bank's
secure site
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- 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!
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
17.45% (Variable) |
$36 |
Bad Credit |
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At USAA Savings's
secure site
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- 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.
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
9.90% (Variable) |
$35 |
Bad Credit |
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At USAA Savings's
secure site
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- 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.
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
9.90% (Variable) |
$35 |
Bad Credit |
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At First PREMIER® Bank's
secure site
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- Checking Account Required
- Your $150.00 Security Deposit remains yours if you close your account with a $0.00 balance.
- Monthly reporting to the major Consumer Reporting Agencies
- Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history
- If approved, your $150 Security Deposit gets you a $300 credit limit (subject to available credit)
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A* |
N/A* |
N/A* |
N/A* |
See website* |
See website* |
Fair/Bad Credit* |
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* See the online secured credit cards applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.
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