Secured credit cards are ideal for building or rebuilding your credit - and the best ones go beyond the basics. Our featured list highlights top secured cards that prioritize strong credit-building features, fraud protection, and user privacy. Browse below to find standout options offering competitive deals, rewards, and bonus perks designed for those serious about improving their financial footing.
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- 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.
| Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Fair Credit, Average Credit, Poor Credit |
Secured |
$36 for first year. Billed $3 per month thereafter |
N/A |
N/A |
21.95% Variable |
None |
Be the first to write one |
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- 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
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 2 million+ cardholders who have used opensky® to build better credit!
- See Rates & Fees
| Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Fair Credit, Limited Credit, Poor Credit |
Secured |
$35 |
N/A |
N/A |
23.89% (variable) |
None |
Be the first to write one |
