Secured Credit Cards

A secured credit card requires that the cardholder make a deposit in order to secure a credit line. Applying for a secured credit card may be a good idea if you have had problems obtaining an unsecured credit card, as most secured cards feature easy approval and can help build credit by reporting your account activity to the major credit bureaus. You can build, rebuild, or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits. See below for today's top secured credit card offers, along with links to each card's secure online application.
Advertiser Disclosure
OpenSky® Secured Visa® Credit Card
  • 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
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Needed
No credit check
First Progress Platinum Elite Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI ** See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

 

Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
19.99% (V)
Annual Fee
$29
Credit Needed
Limited/Bad
PREMIER Bankcard® Secured Credit Card
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based customer service agents are there to help.
  • Monitor your progress with monthly credit reports (updated quarterly).
  • After 13 months you could be eligible for a credit limit increase (Terms & Conditions apply). 
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad Credit

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