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Secured Credit Cards

Secured Credit CardsA secured credit card requires the cardholder to deposit a certain amount of money in order to secure a credit line. If you have had trouble getting approved for an unsecured card, this type of card may be right for you. Unlike prepaid cards, secured credit cards report your account activity to major consumer reporting agencies. The following are the best secured credit card offers as selected by the CreditCards.org staff:

Advertiser Disclosure

Editor’s choice

  • Capital One® Secured MasterCard®

    ANNUAL FEE
    $29

    APR
    22.9%* Variable

    Credit Needed: Limited Credit

    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness-no additional deposit required
    • 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

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    22.9%* Variable

    Annual Fee

    $29*

    Credit Needed

    Limited Credit*

  • primor® Secured Visa Classic Card

    ANNUAL FEE
    $39

    APR
    13.99%*

    Credit Needed: Bad Credit

    • Fast, easy application process
    • No processing or application fees!
    • Low fixed interest rates with no penalty rate!
    • Reports to all three nationwide credit bureaus
    • Guaranteed Approval* As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    13.99%*

    Annual Fee

    $39*

    Credit Needed

    Bad Credit*

  • primor® Secured Visa Gold Card

    ANNUAL FEE
    $49

    APR
    9.99%*

    Credit Needed: Bad Credit

    • No Processing Or Application Fees!
    • Low Fixed Interest Rates with No Penalty Rate!
    • Reports to all three nationwide credit bureaus
    • Guaranteed Approval*
    • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
      *See application for additional details

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    9.99%*

    Annual Fee

    $49*

    Credit Needed

    Bad Credit*

  • First Progress Platinum Elite MasterCard® Secured Credit Card

    ANNUAL FEE
    $29

    APR
    19.99% (variable)*

    Credit Needed: Bad Credit

    • 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
    • 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
    • Nationwide Program though not yet available in NY, IA, AR, or WI

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    19.99% (variable)*

    Annual Fee

    $29*

    Credit Needed

    Bad Credit*

  • First Progress Platinum Select Secured MasterCard

    ANNUAL FEE
    $39

    APR
    14.99% (variable)*

    Credit Needed: Bad Credit

    • 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
    • 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
    • Nationwide Program though not yet available in NY, IA, AR, or WI

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    14.99% (variable)*

    Annual Fee

    $39*

    Credit Needed

    Bad Credit*

  • First Progress Platinum Prestige Secured MasterCard

    ANNUAL FEE
    $44

    APR
    11.99% (variable)*

    Credit Needed: Bad Credit

    • 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
    • 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
    • Nationwide Program though not yet available in NY, IA, AR, or WI

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    11.99% (variable)*

    Annual Fee

    $44*

    Credit Needed

    Bad Credit*

  • Unity Visa® Secured Credit Card

    ANNUAL FEE
    $39

    APR
    17.99% (Fixed)*

    Credit Needed: Bad Credit

    • 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
    • Credit line secured by fully-refundable FDIC insured deposit submitted with application

    Intro APR Purchases

    9.95%-6 months*

    Into APR Balance Transfer

    9.95%-6 months*

    Regular APR

    17.99% (Fixed)*

    Annual Fee

    $39*

    Credit Needed

    Bad Credit*

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Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.

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