USA
USA
USA Canada

Best Secured Credit Cards from our partners

PREPAID & CREDIT CARD APPLICATIONS ONLINE

Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
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.

Sort Cards by:RatingAnnual FeeActivation FeeRegular APRInstant ResponseGuar. Approval
Limited, Bad Credit

Limited, Bad Credit
You can apply if: you have had your own credit card or other loan for less than 3 years; you have defaulted on a loan more than once or have been declined for a credit card in the last 3 months.

Capital One® Secured MasterCard®
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No annual fee, and all the credit building benefits with responsible card use
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • 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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

See card details
Please refer to issuer`s website Credit
Discover it® Secured Credit Card – No Annual Fee*
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No annual fee. No late fee on your first late payment. No increase to your APR for paying late.*
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/a10.99% (6 months)23.24%$0n/a
Card Details:
  • No annual fee. No late fee on your first late payment. No increase to your APR for paying late.*
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Discover doubles all the cash back you’ve earned at the end of your first year. New cardmembers only.*
  • Your credit line will equal your security deposit amount of $200 or more.*
  • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your card benefits*.
  • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.*
  • See your FICO® Credit Score for free on monthly statements & online.*
  • Click “Apply Now.” *See rates, rewards, FICO® Credit Score terms and secured card information.
Our Expert Opinion
  • No annual fee. No late fee on your first late payment. No increase to your APR for paying late.*
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Discover doubles all the cash back you’ve earned at the end of your first year. New cardmembers only.*

See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

primor® Secured Classic MasterCard Card
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a13.99%$39$0
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
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

primor® Secured Visa Gold Card
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a9.99%$49$0
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
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

OpenSky® Secured Visa® Credit Card
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Build Your Credit fast with our monthly reporting to all 3 major Credit Bureaus.
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

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
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

primor® Secured Visa Classic Card
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a13.99%$39$0
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
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

primor® Secured Gold MasterCard Card
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Reports to all three nationwide Credit Bureaus
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a9.99%$49$0
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
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

First Progress Platinum Prestige MasterCard® Secured Credit Card
Compare
You've selected 31 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Monthly reporting to all 3 major credit bureaus
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee
n/an/a11.99% (Variable)$44$0
Card Details:
  • Receive Your Card More Quickly with New Expedited Processing Option.
  • No Credit History or Minimum Credit Score Required for Approval.
  • Quick and Complete Online Application.
  • Full-Feature Platinum MasterCard® Secured Credit Card.
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History.
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application.
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time.
  • 24/7 Online Access to Your Account.
  • Nationwide Program though not yet available in NY, IA, AR, or WI.
  • * See Card Terms.
Our Expert Opinion
  • Fast and easy approval even with no credit.
  • Monthly credit reporting.
  • Up to $2,000 credit limit.

  • Requires a security deposit.
  • Not available in NY, IA, AR, or WI.
See card details

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

latest news:

Wells Fargo Launches New Amex Card Wells Fargo Launches New Amex Card

Wells Fargo & Company has a new card in its portfolio – the Wells Fargo Propel American Express Card, giving people triple points on gas, and double points when eating out at restaurants in the U.S.Continue reading

More secured credit cards news

related research:

Credit in the Doghouse? You`re Not Alone.

Since 2008, many consumers have found themselves in a bind when it comes to getting credit, and then once they get the credit, they find it hard to pay off their balances. In 2010 alone, credit card issuers had to charge off 11 percent of bank ...Continue reading

More secured credit cards research
Best Secured Credit Cards from our partners
Latest Deals & Tips
about Secured Credit
Cards in your inbox.
Subscribe for FREE!

Secured Credit Cards Video

Improve Your Credit with Secured Credit Cards

March 16, 2015

Questions & Answers about
Secured Credit Cards

See Also Other Card Offers: