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Capital One Platinum Secured Credit Card
 

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on Capital One's secure site

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Minimum Deposit $49, $99, or $200
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Discover it® Secured Credit Card
 

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on Discover's secure site

Rates & Fees
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Credit Limit Credit line will equal your security deposit of $200 or more*
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Discover
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Credit Limit Credit line will equal your security deposit of $200 or more*
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
  • Annual Fee $0
  • Credit Needed Poor/Limited
  • Card Brand Discover

Highlights

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Secured Credit Card

Citi® Secured Mastercard®
 

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on Citibank's secure site

Rates & Fees
  • Build Your Credit Monthly reporting to the three major credit bureaus
  • Perks and Features Auto Pay can help you stay on top of your bill
  • Worldwide Acceptance Use your card anywhere that accepts Mastercard®
  • Annual Fee $0
  • Credit Needed Limited
  • Card Brand Mastercard®
  • Build Your Credit Monthly reporting to the three major credit bureaus
  • Perks and Features Auto Pay can help you stay on top of your bill
  • Worldwide Acceptance Use your card anywhere that accepts Mastercard®
  • Annual Fee $0
  • Credit Needed Limited
  • Card Brand Mastercard®

Highlights

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.

See additional details for Citi® Secured Mastercard®

PCB Secured Visa® Credit Card
 

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on PCB's secure site

  • Build Credit Reports monthly to all three major credit bureaus. Build or rebuild your credit with responsible use.
  • Credit Line A minimum collateral deposit of $200 is required to open this account. After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • Customer Support 24/7 online account center.
  • Annual Fee $39*
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Visa®
  • Build Credit Reports monthly to all three major credit bureaus. Build or rebuild your credit with responsible use.
  • Credit Line A minimum collateral deposit of $200 is required to open this account. After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • Customer Support 24/7 online account center.
  • Annual Fee $39*
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Visa®

Highlights

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.

See additional details for PCB Secured Visa® Credit Card

Applied Bank® Secured Visa® Gold Preferred® Credit Card
 

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on Applied Bank's secure site

  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular APR 9.99% Low Fixed APR
  • No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
  • Annual Fee $48
  • Credit Needed Poor/Limited
  • Card Brand Visa®
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular APR 9.99% Low Fixed APR
  • No Penalty Rate Your Rate Won’t Go Up Even if You Are Late
  • Annual Fee $48
  • Credit Needed Poor/Limited
  • Card Brand Visa®

Highlights

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Merrick Bank Secured Credit Card
 

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on Merrick Bank's secure site

  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for the first year. Billed $3 per month thereafter.
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Credit Line Upon approval, you’ll have an initial credit line based on your $200 -$3,000 deposit - It’s up to you!
  • Fraud Liability $0 fraud liability for unauthorized charges.
  • Worldwide Acceptance Use it anywhere Mastercard is accepted.
  • Annual Fee $36 for the first year. Billed $3 per month thereafter.
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

See additional details for Merrick Bank Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card
 

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on First Progress's secure site

  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 13.74% (V)
  • Annual Fee $49
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®
  • Improve Your Credit Score Free Credit Bureau Reporting
  • Credit Line $200 - $2,000 Credit Line*
  • Regular Purchase APR 13.74% (V)
  • Annual Fee $49
  • Credit Needed Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Find a Secured Credit Card

If you’re new to credit or just starting your financial journey, you may be asking yourself what is a secured credit card? Or, how does a secured credit card work? Secured credit cards are perfect for consumers who have little credit history, no credit history, or bad credit history.

Secured credit cards work the same way as traditional credit cards in that your account activity will be reported to the three major credit bureaus. Secured cards also work like prepaid debit cards because you have to put down, known as a security deposit, in order to use the card. Your security deposit will also act as your line of credit. You should work hard to manage your account responsibly so positive account activity is reflected on your credit report instead of negative account activity.

Compare our secured card options to find the best secured credit card to fit your needs. Once you get approved, you can start to build or rebuild your credit by managing your account responsibly. 


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