Secured Credit Cards


The following rundown of secured credit card offers focuses primarily on cards that offer end users the best experience possible when it comes to their card's overall secured credit features, fraud prevention, and more, with a strong emphasis on valuing a user or small business's privacy and financial security above all else. Be sure to check out our featured cards from the list below for the opportunity to take advantage of some of the greatest deals, rewards programs, and bonus packages that these secured cards for aspiring credit builders (and re-builders) have to offer.

Showing 10 of 14 Results
Show as Table | Search

Merrick Bank Double Your Line™ Secured Visa®

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • 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 100% U.S.-based customer service & 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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit Secured $36 the first year. Billed $3 per month thereafter N/A N/A 17.45% Variable None Be the first to write one

Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • 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
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Secured $48 N/A N/A 9.99% None Be the first to write one

Oakstone Platinum Secured Mastercard®

  • Credit lines available from $200 to $5,000! Super Low 9.99% variable 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.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See website for additional Oakstone Platinum Secured Mastercard® details
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Average Credit Secured $49* N/A N/A 9.99% (Variable)* None Be the first to write one

Oakstone Gold Secured Mastercard®

  • Credit lines available from $200 to $5,000! Low 13.99% variable 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.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See website for additional Oakstone Gold Secured Mastercard® details
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Average Credit Secured $39* N/A N/A 13.99% (Variable)* None Be the first to write one

First PREMIER® Bank Secured Credit Card

  • HERE FOR YOU - NOW & IN THE FUTURE - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.* 
  • Reports to consumer reporting agencies help you monitor your financial progress to begin your credit building journey (build credit by keeping your balance low and paying on time every month)
  • MAKING A DIFFERENCE. TOGETHER - As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers
  • Use available credit for basics like gas and food when you need them
  • Courteous, caring customer service: that's what First PREMIER is all about
  • PREMIER puts control in your hands, just ask to be evaluated for a credit limit increase after 12 months
  • A refundable security deposit means you get your money back if you have a zero balance and the account is closed
  • If approved, fund your Security Deposit to open your account.  Once open, you will have the opportunity to build your credit limit up to $5,000
*Build credit by keeping your balance low and paying on time every month.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Average Credit Secured See Terms* N/A N/A See Terms* None Be the first to write one

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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Secured $35 N/A N/A 17.39% (variable) None Be the first to write one

Merrick Bank Secured Visa® from Merrick Bank

  • 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. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & 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 Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit Secured $36 for first year. Billed $3 per month thereafter N/A N/A 17.45% Variable None Be the first to write one

Citi® Secured MasterCard®

  • Acquire a card that can help build your credit
  • A security deposit is required for this product (minimum of $200)
  • Use it anywhere MasterCard is accepted
  • $0 liability on unauthorized charges
  • No Annual Fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Secured $0* N/A N/A 22.49% (Variable)* None Be the first to write one

U.S. Bank Secured Visa® Card

Safely build or re-establish your credit history* with the U.S. Bank Secured Visa Card.This secured credit card works like any other card, and is accepted worldwide.

  • Zero Fraud Liability* - You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa card is ever stolen.
  • Fraud Protection – detects and notifies you of any unusual card activity to help prevent fraud.
  • Auto Rental Insurance* - It's yours automatically - at no extra cost - when you charge your entire car rental on your U.S. Bank Secured Visa Card and decline the rental company's collision damage waiver option. Coverage on a 24-hour basis for damage due to collision or theft.
  • Online Banking – The easiest way to bank online! With this service you can view current statements, download account history, check your balance, make a payment from your U.S. Bank Checking or Savings account, get a cash advance and much more.
  • Automatic Bill Pay - Take advantage of this easy way to pay bills online.
  • FlexControl™ - U.S. Bank offers this free online tool that can help you avoid interest and late fees with automatic payments that put you in control. It can also help you pay down a balance faster. Best of all, it’s free. Learn more at usbank.com/flexcontrol.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Poor Credit Secured $29* N/A N/A 18.99% (Variable)* None Be the first to write one

Fifth Third Secured MasterCard®

A great way to build or rebuild your credit.

Key Benefits:

  • Reporting to all three credit bureaus
  • Low savings account balance requirement
  • Cellular Phone Protection6
  • Zero Liability®*: you are not responsible for unauthorized purchases.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Poor Credit Secured $24* N/A N/A 23.99% (Variable)* None Be the first to write one
Next