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.

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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% Fixed None Be the first to write one

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 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 17.70% Variable None Be the first to write one

OakStone Secured Mastercard® Platinum Credit Card

  • 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!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • 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; 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.
  • 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% (V) None Be the first to write one

OakStone Secured Mastercard® Gold Credit Card

  • Credit lines available from $200 to $5,000! Low 14.24% 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!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • 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; 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.
  • 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 14.24% (V) None Be the first to write one

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.
  • FICO 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 PREMIER Bankcard® product.
  • 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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Average Credit Secured See Issuer Website N/A N/A See Issuer Website None Be the first to write one

PCB Secured Visa® Credit Card

  • 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 Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Secured $39* N/A N/A 18.90% (fixed)* 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

  • Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.
  • Use your card wherever credit cards are accepted. It works just like a traditional credit card, and it looks the same, too – merchants can't tell the difference between a secured card and traditional card.
  • We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it's due. Over time, this will help build your credit.
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 24.24% (Variable)* None Be the first to write one

Fifth Third Secured MasterCard®

A great way to build or rebuild your credit.

  • 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

Secured Visa® Card

A Secured Credit Card is a great way to establish or rebuild credit history as we report this card's activity to all 3 major credit bureaus, unlike debit or prepaid cards.
  • No annual fee.*
  • Variable 20.24% APR* on purchase and balance transfers, based on the Prime Rate.
  • REQUEST YOUR OWN CREDIT LIMIT by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply (subject to credit approval).
  • Establish or improve your credit. You may be able to get your deposit back automatically in as little as 11 months when you maintain a good payment history with us (subject to credit approval).
  • Plus, qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments (subject to credit approval).
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 20.24% (Variable)* None Be the first to write one
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