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March 2024: Best Secured Credit Cards from Our Partners

Banks have become cautious during the pandemic, and if you have limited or poor credit history, they may require a refundable security deposit to act as collateral on your credit card account (see issuer website for full details). Think of it like a security deposit you'd put down on an apartment. The bank protects itself, while still letting you build up your credit history. It's a win-win situation. Let the Credit-Land.com experts steer you toward the secured credit card with the lowest fees and best terms for your needs.

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Top Secured Credit Card

BEST CHOICE OF March 2024

Rating 3.5

  • 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

our choice

9.99%
APR on Purchases
Annual Fee
$48
Regular APR
9.99% Fixed
Late Payment Fee
Up to $38
Credit Line from
$200
Security Deposit
$200
Credit Line
Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.
Credit Line Increase
Increase Your Credit Limit up to $5,000
Instant Response
Instant Response
Yes
Card Network
Visa®
Credit Check
No

Build Your Credit with a Secured Credit Card

Secured credit cards are designed for people with limited or bad credit who want to build or rebuild their credit history. The cards are reported to major consumer reporting agencies (credit bureaus) - Experian, Equifax, and TransUnion. Use your secured credit card as a tool: put only small charges on it, which you will surely pay off, and use the card each month, so you don't lose it due to inactivity. Thus, if you manage your secured card responsibly and keep any other active credit accounts in good standing (always pay on time and keep your balances low), you will be able to improve your credit.

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our choice

Rating 3.4

  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
29.99% (variable)
Balance Transfer Fee
N/A
Late Payment Fee
Up to $40
$300
Credit Limit
Security Deposit
$300
Credit Line
Secure your credit line with a refundable security deposit - as low as $300.
Credit Line Increase
Get considered for an unsecured credit line increase after 6 months - no additional deposit
Build Your Credit
Build Credit
Yes
Credit Bureau Reporting
Yes
Credit Check
No

our choice

Rating 3.8

  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 major credit bureaus.
  • No minimum credit score required for approval!
  • Accepted wherever Mastercard® is accepted.
  • Applying is quick and easy with our secure online application.
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Build Your Credit
Build Credit
Yes
Credit Bureau Reporting
Yes
Credit Check
No
Credit Line from
$200
Security Deposit
Minimum refundable deposit of $200.00 up to $2,000.00*
Credit Line
Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
Credit Line Increase
See website for Details*
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Accepted wherever Mastercard® is accepted
Credit Check
No
Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 4.3

  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Earn More
on Your
Daily Spending
Rewards on everyday purchases
1.5% Cash Back on every purchase, every day
Max. Rewards
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Rewards expiration
Cash back won't expire for the life of the accountµ
$0
Annual Fee
Annual Fee
$0
Regular APR
30.74% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee
Up to $40
Credit Line
Increase
Available
Security Deposit
$200
Credit Line
You'll get an initial credit line of $200
Credit Line Increase
Be automatically considered for a higher credit line in as little as 6 months

our choice

Rating 3.2

  • 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.

our choice

Credit Line
Increase
Available
Security Deposit
$200
Credit Line
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.
Credit Line Increase
Increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Rebuild Your Credit
Build Credit
Yes
Card Category
Secured
Credit Bureau Reporting
Yes
Credit Check
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere.
Credit Check
Yes

our choice

Rating 4.1

  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
0%
Late Payment Fee
See terms
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere
Apply for Capital One Platinum Secured Credit Card - Credit-Land.com APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 3.8

  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
30.74% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee
Up to $40
Credit Line
Increase
Available
Security Deposit
$49, $99 or $200
Credit Line
You'll get an initial credit line of $200
Credit Line Increase
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

our choice

Rating 3.4

  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit

our choice

Credit Line from
$200
Security Deposit
$200
Credit Line
Fund your card with a low $200 refundable security deposit to get a $200 credit line
Credit Line Increase
Get considered for a credit line increase after 6 months, with no additional deposit required
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
25.64% (variable)
Annual Fee
$35
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

our choice

Rating 3.4

  • Your next tool for building credit!
  • The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

$100
Credit Limit
Security Deposit
$100
Credit Line
The minimum credit limit is $100.
Credit Line Increase
Accounts in good standing may have opportunities to increase the credit limit over time.
Build Your Credit
Build Credit
Yes
Credit Line
The minimum credit limit is $100.
Card Usage
Use anywhere Visa is accepted
Reporting
to the Major Consumer
Reporting Agencies
Build Credit
Your next tool for building credit!
Card Usage
Use anywhere Visa is accepted
Apply for Discover it® Secured Credit Card - Credit-Land.com APPLY NOW

on Discover's secure website

New/Rebuilding

our choice

Rating 4.5

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee
None the first time you pay late. After that, up to $41.
Credit Line from
$200
Security Deposit
$200
Credit Line
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Credit Line Increase
No
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

our choice

Rating 3.8

  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Credit Line from
$200
Security Deposit
Minimum refundable deposit of $200.00 up to $2,000.00*
Credit Line
Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
Credit Line Increase
See website for Details*
Up to
1%
Cash Back
Max. Rewards
1% Cash Back Rewards on payments.
Build Your Credit
Build Credit
Yes
Credit Bureau Reporting
Yes
Credit Check
No

our choice

Rating 3.8

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2,000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Credit Line from
$200
Security Deposit
Minimum refundable deposit of $200.00 up to $2,000.00*
Credit Line
Choose your own fully-refundable credit line - $200 to $2,000 – based on your security deposit.
Credit Line Increase
See website for Details*
Up to
1%
Cash Back
Max. Rewards
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Build Your Credit
Build Credit
Yes
Credit Bureau Reporting
Yes
Credit Check
No

our choice

Rating 3.2

  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Credit Line from
$200
Security Deposit
Up to $2,000 (subject to credit approval).
Credit Line
Choose your own credit line - $200 to $2000 – based on your security deposit
Credit Line Increase
See Terms*
No Credit Check
Card Network
Mastercard®
Card Type
Secured
Regular APR
25.24% (V)
Annual Fee
$29
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

our choice

Rating 4.4

  • Members have seen their credit scores increase 28 points on average in 2 weeks by reporting their rent payments through Super+
  • Cash Advance up to $200 with no interest or credit check
  • Credit building suite with bureau reporting, monitoring, and credit report access
  • Super Card with 0% APR
  • Unlimited 1-10% Cashback
  • $15/month for Super+

our choice

Up to
10%
Cash Back
Max. Rewards
Unlimited 1-10% Cashback
No Credit Check
Card Network
Mastercard®
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Build Your Credit
Build Credit
Yes
Credit Line
Cash Advance up to $200 with no interest or credit check
Card Usage
Use Anywhere

our choice

Rating 3.8

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

No Credit Check
Card Network
Mastercard®
Card Type
Secured
Regular APR
15.24% (V)
Annual Fee
$49
$200
Credit Limit
Security Deposit
Up to $2,000 (subject to credit approval).
Credit Line
Choose your own credit line - $200 to $2000 – based on your security deposit
Credit Line Increase
See Terms*
Up to
1%
Cash Back
Max. Rewards
1% Cash Back Rewards on payments

our choice

Rating 3.8

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Credit Line from
$200
Security Deposit
Up to $2,000 (subject to credit approval).
Credit Line
Choose your own credit line - $200 to $2000 – based on your security deposit
Credit Line Increase
See terms*
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No
Up to
1%
Cash Back
Max. Rewards
1% Cash Back Rewards on payments
SHOW MORE CARDS
Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

CASH BACK AND $0 ANNUAL FEE
OFFER of March 2024

  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
See more details

questionsABOUT
CREDIT CARDS

What is a secured credit card?

A secured credit card requires a security deposit to act as collateral for the line of credit. They are designed for people with limited or damaged credit who want to rebuild their credit history. Benefits of secured...

Read more
Why do secured credit cards require a security deposit?

First off let me say congratulations. The move towards a secure credit card means that you have had poor credit management in the past before, and you are attempting to reconcile your differences, and put your best foot...

Read more
Why go for a secured credit card?

Many people have had problems with keeping up with their payments each month following the recession. So many lost their jobs and still others were not able to meet with their loan payments, mortgage and other expenses....

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

secured CREDIT CARDS
IN BRIEF

Secured credit cards require a small deposit of collateral and are subject to interest rates. Your security deposit may be refunded eventually if you pay off your entire balance each month. This also helps avoid high interest and improves your credit score.


The advantage of such cards is that they may be able to help build, rebuild, or reestablish your credit history if you make on-time minimum payments with all your creditors and maintain your account balances below the credit limits.


The Skinny on Secured Credit Cards


If you can't get approved for an unsecured credit card, you can still apply for a secured credit card. Secured cards require a deposit and give you a better chance of being approved.


Unlike prepaid cards, secured cards do report payments to the three major consumer reporting agencies (credit bureaus: Equifax, Experian, and TransUnion), so using one can help rebuild a damaged credit history by making on-time payments with all your creditors and keeping balances below the credit limits. If you make payments successfully for a period of time, some issuers will convert your secured credit card account to a conventional, unsecured one.


Secured cards are recommended for people with past financial challenges and bad credit history. Banks are wary to approve people with bad credit and might deny their applications, even with a security deposit.

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commentsABOUT
SECURED CREDIT CARDS🜂

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