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Secured Credit Cards That Accept Puerto Rico Residents
Posted on May 8, 2020
Updated on May 8, 2020
If you live in Puerto Rico and want to apply for a secured credit card, you are in the right place. We made a list of top secured credit cards for people that live in Puerto Rico, not just in the United States. While some U.S. banks do not accept Puerto Rico applicants, the banks below will take applications from residents of Puerto Rico. Secured credit cards are good if you want to build credit from scratch or if you are looking to rebuild your bad credit.
our choice
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
Reporting Credit Bureaus
Yes
- 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
our choice
our choice
Regular APR
28.24% (Variable)
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the Self Card^
- No credit check
- No hard inquiry
- $100 minimum security deposit*
- *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
- The secured Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., each Member FDIC.
- ^$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
our choice
our choice
Regular APR
24.24% (V)
Annual Fee
$29.00
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Choose our First Latitude Elite Card for a lower annual APR!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- 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
our choice
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
Reporting Credit Bureaus
Yes
- 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
our choice
Regular APR
24.64% (variable)
Annual Fee
$35
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- 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
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
our choice
our choice
Regular APR
18.24% (V)
Annual Fee
$39
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
- 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
our choice
Regular APR
28.99% (variable)
Annual Fee
$0
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- New feature! Earn up to 10% cash back on everyday purchases
- 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- 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
- 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
- Offers 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 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
our choice
our choice
Regular APR
28.24% (V)
Annual Fee
$0.00
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
- Secure your credit line with your refundable security deposit – choose from $200 - $2,000. With the ability to increase up to $5,000 over time!
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Designed to push you forward on your credit building journey with $0 Annual Fee.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
- All credit types welcome to apply!
- 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
our choice
Regular APR
27.24% Variable APR
Annual Fee
$0
Credit Check
Yes
Credit Pull
See Terms
Reporting Credit Bureaus
Yes
- No credit score required to apply. No Annual Fee.
- 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.
- 30 points or more—that’s how much you could increase your FICO Credit Score on average after just six months of responsible use.
- 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. Activate by mobile app for free.
- 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
our choice
Regular APR
28.99% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
No
- Excellent option for a low fully refundable security deposit, get started with just $100
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- 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
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers 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 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
our choice
our choice
Regular APR
14.24% (V)
Annual Fee
$49
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today!1
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
- All credit types welcome to apply!
- 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
Building Credit with a Secured Credit Card
Secured credit cards are reported to the major credit bureaus, which can help you build or rebuild your credit. Once you receive your secured credit card, make sure you use it responsibly: keep your balances low (ideally, use less than 30% of available credit) and make all necessary monthly payments on time. The issuer will report your payments to credit bureaus, and in several months you may see your credit score going up. Another advantage of responsible credit card use is that you can upgrade your secured credit card to an unsecured account in a year or even less.
our choice
Regular APR
28.24% (Variable)
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the Self Card^
- No credit check
- No hard inquiry
- $100 minimum security deposit*
- *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
- The secured Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., each Member FDIC.
- ^$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
our choice
our choice
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
Reporting Credit Bureaus
Yes
- 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
our choice
our choice
Regular APR
28.99% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
No
- Excellent option for a low fully refundable security deposit, get started with just $100
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- 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
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers 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 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
our choice
our choice
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Check
Yes
Credit Pull
Hard Pull
Reporting Credit Bureaus
Yes
- 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
our choice
Regular APR
28.99% (variable)
Annual Fee
$0
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- New feature! Earn up to 10% cash back on everyday purchases
- 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- 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
- 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
- Offers 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 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
our choice
our choice
Regular APR
28.24% (V)
Annual Fee
$0.00
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
- Secure your credit line with your refundable security deposit – choose from $200 - $2,000. With the ability to increase up to $5,000 over time!
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Designed to push you forward on your credit building journey with $0 Annual Fee.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
- All credit types welcome to apply!
- 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
our choice
Regular APR
24.64% (variable)
Annual Fee
$35
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- 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
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
our choice
our choice
Regular APR
14.24% (V)
Annual Fee
$49
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today!1
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
- All credit types welcome to apply!
- 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
our choice
Regular APR
27.24% Variable APR
Annual Fee
$0
Credit Check
Yes
Credit Pull
See Terms
Reporting Credit Bureaus
Yes
- No credit score required to apply. No Annual Fee.
- 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.
- 30 points or more—that’s how much you could increase your FICO Credit Score on average after just six months of responsible use.
- 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. Activate by mobile app for free.
- 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
our choice
Regular APR
24.24% (V)
Annual Fee
$29.00
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Choose our First Latitude Elite Card for a lower annual APR!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- 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
our choice
Regular APR
18.24% (V)
Annual Fee
$39
Credit Check
No
Credit Pull
Soft Pull
Reporting Credit Bureaus
Yes
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
- 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
Getting a Secured Credit Card
While secured credit cards are available to people with bad credit, or even no credit, and the security deposit increases your chances to qualify, it does not mean approval is guaranteed. There still are some minimum requirements you need to meet in order to get approved for a secured credit card.
First of all, you should be at least 18 years old, but if you are a resident of Puerto Rico, you might be required to be 21 years old. Then, you should have enough income and a bank account to pay the security deposit and monthly bill payments. Another important thing is that you should not have pending bankruptcy, or being delinquent on other credit accounts, or have a bunch of new recently open accounts. If any of the last three is true for you, you are unlikely to be approved for a secured credit card.
