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Credit Card Applications » Secured Credit Cards

Secured Credit Card Offers

Banks are cautious these days, and if you have limited or poor credit history, they may require a deposit to act as collateral on your credit card account. Think of it like a security deposit you'd put down on apartment. The bank protects itself, while still letting you build up your credit history. It's a win-win situation.

The advantage of secured credit 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. Let the Credit-Land.com experts steer you toward the card with the lowest fees and best terms for your needs.

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Capital One® Secured MasterCard®
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Key Feature: No annual fee, and all the credit building benefits with responsible card use
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
N/AN/A24.99% (Variable)$0See terms
Card Details:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
Our Expert Opinion
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line

See card details
Citi® Secured MasterCard®
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Key Feature: Start building credit for tomorrow
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
N/AN/A22.24%* (Variable)$25See terms
Card Details:
  • Start building credit for tomorrow
  • A security deposit is required for this product (minimum $200)
  • Unlike a prepaid card, it helps build credit history, with monthly notifications to the credit bureaus
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere MasterCard® is accepted — worldwide
Our Expert Opinion
  • For people with little or no credit history.
  • Helps build credit history.
  • Accepted worldwide.

  • Requires a security deposit
See card details
primor® Secured Classic MasterCard Card
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Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a13.99%$39See Terms
Card Details:
  • Fast, easy application process.
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus.
  • Guaranteed Approval.*
  • As long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details.
Our Expert Opinion
  • No application fees.
  • Low fixed interest rates.
  • Reports to credit bureaus.
  • Guaranteed Approval.

  • Annual fee applies.
  • Secured credit account.
See card details
primor® Secured Gold MasterCard Card
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Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a9.99%$49See Terms
Card Details:
  • Fast, easy application process.
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus.
  • Guaranteed Approval.*
  • As long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details.
Our Expert Opinion
  • Reports to the credit bureaus.
  • Low fixed APR.
  • No application fees.

  • Annual fee applies.
  • Secured credit account.
See card details
OpenSky® Secured Visa® Credit Card
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Key Feature: Build Your Credit fast with our monthly reporting to all 3 major Credit Bureaus.
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a17.64% (variable)$35See Terms
Card Details:
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3,000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Our Expert Opinion
  • Monthly updates to 3 credit bureaus.
  • No Credit Check.
  • No checking account required!

  • Security deposit is required.
See card details
See website for Details*
UNITY® Visa Secured Credit Card
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Key Feature: No Minimum credit history required; low interest rate of 17.99%.
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
N/A9.95% (6 months)17.99% (Fixed)$39See terms
Card Details:
  • No Minimum credit history required; low interest rate of 17.99%.
  • Apply online in less than 5 minutes, and you could be approved today!
  • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • Build your credit with monthly reporting to all 3 major credit bureaus.
  • No application fee or penalty rate.
  • 24/7 online access to your account.
  • Good for car rental, hotels; anywhere credit cards are accepted!
  • *See our Cardholder Agreement for more details.
Our Expert Opinion
  • Card has fixed, low APR.
  • Balance transfers are allowed.
  • No application fees.

  • A security deposit is required.
See card details
primor® Secured Visa Gold Card
Compare
Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a9.99%$49See Terms
Card Details:
  • Fast, easy application process.
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus.
  • Guaranteed Approval.*
  • As long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details.
Our Expert Opinion
  • Low fixed interest rate.
  • Reports to three credit bureaus.
  • No application fees.

  • Requires a minimum security deposit.
See card details
primor® Secured Visa Classic Card
Compare
Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a13.99%$39See Terms
Card Details:
  • Fast, easy application process.
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus.
  • Guaranteed Approval.*
  • As long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details.
Our Expert Opinion
  • Guaranteed Approval.
  • No application fees.
  • Low fixed APR.

  • Requires a minimum security deposit.
See card details

* Click apply to read the full Terms and Conditions.

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 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 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.

Our Experts about Secured Credit Cards

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