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

UNITY® Visa Secured Credit Card

  • 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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Secured $39 9.95% for 6 months N/A 17.99% (Fixed) None Be the first to write one

Wells Fargo Secured Visa® Credit Card

Get on the path to good credit with a Wells Fargo Secured Visa® Credit Card.

  • Use your Wells Fargo Secured Visa® Credit Card anywhere Visa® is accepted. 
  • Requires a minimum $300 security deposit.
  • Available to both U.S. and temporary residents.*
  • This is not a debit or a prepaid card.  Your secured credit card activity is shared with major credit bureaus to help build your credit history.
  • With responsible use over time, you may be eligible for an upgrade to an unsecured credit card.
  • You are responsible for making at least the minimum monthly payment, on time.  Payments are not deducted from your security deposit.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Secured $25* N/A N/A 20.99% (Variable)* None 10

First PREMIER® Bank Secured Credit Card

  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • 24-hour online access, set up account alerts, and schedule automatic payments!
  • Quarterly FICO score on your monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Security Deposits are placed in an FDIC-insured account
  • 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.
  • Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
  • Application response in as little as 30 seconds.
  • Issuing credit cards since 1989.
  • Join millions of First PREMIER Bank credit cardholders.  Apply now!
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

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 24.24% (Variable)* None 1

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 20.74% (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 25.74% (Variable)* None Be the first to write one

Optimizer Credit Card

The Optimizer Credit Card* is a secured credit card, which means your credit line is backed, or secured, by a collateral savings account. Designed for people who need to build or improve their credit history, this card gives you the financial flexibility and convenience you need.

  • Looks and works like a regular credit card
  • Credit line is secured by an interest-bearing collateral savings account
  • Credit line can be increased anytime with deposits to savings account
  • Acceptance at over 28 million locations worldwide that accept Visa®
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit Secured $40* N/A N/A 20.24% (Variable)* None Be the first to write one

Assent Platinum Mastercard® Secured Credit Card

  • Full-Feature Platinum Mastercard Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit Secured $0 first year, $29 thereafter N/A N/A 24.49% (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 19.74% 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 19.74% (Variable)* None 1
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