Secured Credit Card Options and Offers

Build your credit history with a secured credit card. Secured credit cards require a deposit, and help build credit by reporting your activity to major credit bureaus. Browse our partner offers, apply to the card that suits you, make payments on time, and keep a low balance to improve your credit score.

See offers from our partners below.

 APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line.
  • You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • New! Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • See additional Discover it® Secured Card details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    24.24% Variable
    Annual Fee
    $0
    Credit Needed
    Fair/New to Credit
 APPLY ONLINE

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • See additional OpenSky® Secured Visa® Credit Card details
 APPLY NOW

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    18.64% (Variable)
    Annual Fee
    $35
    Credit Needed
    No Credit Check
 APPLY ONLINE

at First Progress's
secure site

Credit Needed
Bad Credit
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • 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.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See additional First Progress Platinum Prestige MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    9.99% (Variable)
    Annual Fee
    $49
    Credit Needed
    Bad Credit
 APPLY ONLINE

at First Progress's
secure site

Credit Needed
Bad Credit
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • 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 $200 - $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
  • See additional First Progress Platinum Elite MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    19.99% (Variable)
    Annual Fee
    $29
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Limited, Bad
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  • See additional Capital One® Secured Mastercard® details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Limited, Bad
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    24.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Limited, Bad
 APPLY ONLINE

at USAA's
secure site

Credit Needed
Bad Credit
  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • USAA membership is available to active and former military and their eligible family members
  • See additional USAA Secured Card® Platinum Visa® details
 APPLY NOW

at USAA's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    11.15%-21.15% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at First Progress's
secure site

Credit Needed
Bad Credit
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • 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 $200 - $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
  • See additional First Progress Platinum Select MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99% (Variable)
    Annual Fee
    $39
    Credit Needed
    Bad Credit
 APPLY ONLINE

at primor's
secure site

Credit Needed
No Credit Check
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Visa® Classic Card details
 APPLY NOW

at primor's
secure site

Credit Needed
No Credit Check
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99%
    Annual Fee
    $39
    Credit Needed
    No Credit Check
 APPLY ONLINE

at Citi's
secure site

Credit Needed
New to Credit
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
  • See additional Citi® Secured Mastercard® details
 APPLY NOW

at Citi's
secure site

Credit Needed
New to Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    23.74%* (Variable)
    Annual Fee
    $0
    Credit Needed
    New to Credit
 APPLY ONLINE

at primor's
secure site

Credit Needed
Bad Credit/No Credit
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Mastercard® Classic Card details
 APPLY NOW

at primor's
secure site

Credit Needed
Bad Credit/No Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.99%
    Annual Fee
    $39
    Credit Needed
    Bad Credit/No Credit
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Compare Secured Credit Card Offers

Updated: January 8, 2018

CreditCards.com's Best Secured Credit Cards of 2018

Even if you don’t have great credit or you don’t have much experience with credit, there is hope.

Secured credit cards work like other cards, but they are designed for people with poor or thin credit. But there are a few things you need to know about them. Here, we tell you:

  • What is a secured card?
  • How do you use a secured card?
  • Do secured cards really help your credit?
  • How does a secured credit card work?
  • Can you use a secured credit card to rent a car?

No matter your credit score, there is likely a card for you, and a secured card can get you going. Here’s what you need to know:

What is a secured card?

A secured card is a credit card designed for a consumer with bad credit or a thin credit file. They require you to pay a refundable deposit, which secures your available credit, usually several hundred dollars. Some offer no annual fee, but watch out for other fees. Because having a credit card is the easiest and fastest way to build credit, a secured card can be worth your while. Just make sure the issuing bank will report your credit behavior to the 3 major credit bureaus.

How do you use a secured card?

You can use a secured credit card in the same way you use an unsecured card – simply present the card to the retailer to make a purchase, provided the merchant accepts the network displayed on the front of your card (Visa, Mastercard or Discover). However, because the credit limit is typically only several hundred dollars, it’s worth your while to limit use of the card to one or two small purchases a month, then pay off the bill in full before the due date. This will allow you to build your credit more effectively by keeping your balance low compared to your available credit, called your utilization ratio.

Do secured cards really help your credit?

Secured credit cards can help your credit, if you pay in full and on time each month and you make sure the issuing bank reports your credit habits to the three major credit bureaus. By paying in full and on time, you are building your credit history as well as improving 65% of your score with a single action. If you ensure that your credit habits are being reported, then you know that the credit bureaus have what they need to share with the credit score models and lenders.

How does a secured credit card work?

  • What it is. A secured card is a credit card that requires a refundable deposit in exchange for a credit limit, typically $200 or more. Most credit cards are unsecured credit cards, which means a security deposit isn’t required.
  • What to watch for. Even if a secured card has no annual fee, you’ll need to check for other kinds of fees, including late fees and returned payment fees.
  • How to get approved. Check your credit score and the bank’s requirements to make sure you are likely to be approved. Be honest on your application, because if you are caught lying, you can lose the account.
  • What to do first. If you are approved, you’ll be required to pay the refundable deposit. Then, you’ll be approved for a credit limit, typically starting at $200.
  • How to use it. Even if your credit limit is $500, that doesn’t mean you should spend it. If you carry a balance of $250, that means your utilization ratio is 50% -- you want your ratio to be as close to zero as possible, for credit-building purposes. Also, you need to pay on time each month, again to ensure you are building your credit.
  • Rinse and repeat. Check your credit score after several months and see if you qualify for a better card. Some cards increase your credit limit after several months of on-time payments. For good measure, check your credit reports, as well, checking for errors or mistakes that need to be corrected.

Can you use a secured credit card to rent a car?

You can rent a car or hotel room using a secured credit card, but keep your balance low so that the card won’t be rejected when you need it. Why? Because secured cards’ credit limits can be really low, particularly when you first get it, and the costs of a rental car or hotel room add up quickly. You definitely do not want to go over your limit, because you can be fined and even lose your card.