Secured credit cards

If you've had trouble getting approved for an unsecured credit card, then a secured credit card might be a good option for you. These cards require a cash collateral deposit which serves as a credit line for the account. With secured cards credit issuers will report your payment history to the credit reporting agencies, allowing you to build or improve your credit history if you make on time payments to all of your creditors and keep your balances low relative to credit limits. Browse Card Categories.

Review featured cards from our partners below.

Advertiser Disclosure

Secured Chime Credit Builder Visa® Credit Card

**Recommended credit

Fair-Poor-Bad-No Credit

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  • To apply for Credit Builder, you must have an active Chime® Checking Account.
  • No annual fee. No minimum security deposit*. No credit check to apply
  • *Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • Build credit history with your own money on everyday purchases and on-time payments**
  • **On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
  • View and track your FICO® Score¹ right in the Chime app. FICO® Scores are used by 90% of top lenders
  • ¹Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • ***$2.50 Out-of-network ATM withdrawal fees may apply.
  • Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Credit Builder Visa® Credit Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

**Recommended credit:

Fair-Poor-Bad-No Credit

Annual fee

$0

Intro APR

None***

Ongoing APR

None***

Balance transfer

None

The secured Self Visa® Credit Card

**Recommended credit

Fair - No Credit

View all details Rates and Fees
Apply now
  • 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 VantageScore 3.0 online or in app.
  • Use your card anywhere Visa® is accepted -- in the US.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $100).
  • Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
  • Get help staying on track with Auto Pay and account alerts.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • *$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
  • †The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Bank, N.A., or First Century Bank, N.A., each Member FDIC.

**Recommended credit:

Fair - No Credit

Annual fee

$0 for the first year only. $25 annual fee after.

Intro APR

N/A

Ongoing APR

28.24% Variable APR

Balance transfer

N/A

OpenSky® Secured Visa®

**Recommended credit

Fair-Poor-Bad-No Credit

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Apply now
  • Start with a $200 refundable security deposit, and grow your limit up to $3,000
  • No credit check required to apply — apply with confidence and start building credit today
  • Earn up to 10% cash back on everyday purchases
  • 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
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

**Recommended credit:

Fair-Poor-Bad-No Credit

Annual fee

$35

Intro APR

N/A

Ongoing APR

24.64% (variable)

Balance transfer

N/A

Firstcard® Secured Credit Builder Card with Cashback

**Recommended credit

Good-No Credit

View all details Rates and Fees
Apply now
  • Build credit faster, cheaper, and safer
  • No credit checks and no credit history are required to open a credit card
  • Accepts immigrants and internationals without an SSN - apply with a passport and visa.
  • 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
  • No account minimum, no interest, and no overdraft fee
  • Get up to 15% Merchant Cashback at 29,000 partner merchants
  • Get up to 10% Random Cashback on all qualifying transactions
  • Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
  • Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
  • Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government). Rates and Fees

**Recommended credit:

Good-No Credit

Annual fee

$4.99 a month

Intro APR

N/A

Ongoing APR

N/A

Balance transfer

N/A

First Progress Platinum Select Mastercard® Secured Credit Card

**Recommended credit

Poor-No Credit

View all details Rates and Fees
Apply now
  • Get a First Progress Select Card and Earn 1% Cash Back Rewards!
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • 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
  • Secured Cards are a great way to start establishing credit for people with low/no credit scores¹
  • 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.

**Recommended credit:

Poor-No Credit

Annual fee

$39

Intro APR

N/A

Ongoing APR

18.24% Variable APR for Purchases

Balance transfer

N/A

UNITY® Visa Secured Credit Card - The Comeback Card™

**Recommended credit

Poor-Bad-No Credit

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  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.

**Recommended credit:

Poor-Bad-No Credit

Annual fee

$39

Intro APR

N/A

Ongoing APR

17.99% (Fixed)

Balance transfer

Intro: 9.95% for 6 months

OpenSky® Secured Visa® Monthly Fee

**Recommended credit

Fair-Poor-Bad-No Credit

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Apply now
  • Open your account with just a $100 refundable security deposit
  • No credit check required to apply — build credit with a $2 monthly fee
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • 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
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

**Recommended credit:

Fair-Poor-Bad-No Credit

Annual fee

$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.

Intro APR

N/A

Ongoing APR

28.99% (variable)

Balance transfer

N/A

Merrick Bank Secured Credit Card

**Recommended credit

See website for Details*

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Apply now
  • 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.

**Recommended credit:

See website for Details*

Annual fee

$36 for first year. Billed $3 per month thereafter

Intro APR

N/A

Ongoing APR

22.70% Variable

Balance transfer

N/A

First Latitude Elite Mastercard® Secured Credit Card

**Recommended credit

Limited-Poor-No Credit

View all details Rates and Fees
Apply now
  • Choose our First Latitude Elite Card for a lower annual APR!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
  • No minimum credit score required for approval!
  • Secure your credit line with a refundable security deposit - as low as $200 to get started!
  • 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.
  • *See Important Disclosures for complete offer details

**Recommended credit:

Limited-Poor-No Credit

Annual fee

$29

Intro APR

N/A

Ongoing APR

24.24% (V)

Balance transfer

N/A

First Latitude Assent Mastercard® Secured Credit Card

**Recommended credit

Limited-Poor-No Credit

View all details Rates and Fees
Apply now
  • Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
  • 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!
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Designed to push you forward on your credit building journey with $0 Annual Fee.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, 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.
  • *See Important Disclosures for complete offer details

**Recommended credit:

Limited-Poor-No Credit

Annual fee

$0

Intro APR

N/A

Ongoing APR

28.24% (V)

Balance transfer

N/A

First Progress Platinum Prestige Mastercard® Secured Credit Card

**Recommended credit

Poor-No Credit

View all details Rates and Fees
Apply now
  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Secured Cards are a great way to start establishing credit for people with low/no credit scores¹
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
  • 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.

**Recommended credit:

Poor-No Credit

Annual fee

$49

Intro APR

N/A

Ongoing APR

14.24% Variable APR for Purchases

Balance transfer

N/A

OpenSky® Secured Visa® No Annual Fee

**Recommended credit

Fair-Poor-Bad-No Credit

View all details
Apply now
  • Get more spending power with a refundable security deposit — start with as little as $300 and apply to increase your limit, up to $3,000
  • No credit check required to apply — earn up to 10% cash back on purchases
  • 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
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

**Recommended credit:

Fair-Poor-Bad-No Credit

Annual fee

$0

Intro APR

N/A

Ongoing APR

28.99% (variable)

Balance transfer

N/A

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* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.


** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit offer.


†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.

Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.