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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.

December 2022: 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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Capital One Platinum Secured Credit Card

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APPLY

on Capital One's secure website

Limited, Bad Credit

Top Secured Credit Card

BEST CHOICE of December 2022

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
See more details

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
28.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
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

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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Compare all these offers

Citi® Secured Mastercard®

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APPLY

on Citi's secure website

Limited History/No Credit/New to Credit

our choice

Rating 3.8

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
26.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Late Payment Fee
Up to $41
Credit Line from
$200
Security Deposit
A security deposit is required for this product (minimum $200)
Credit Line
Once approved, your credit limit will be equal to your security deposit (minimum of $200).
Credit Line Increase
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

Chime Secured Credit Builder Visa® Credit Card

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APPLY

Fair/Bad/No Credit
Get Your Credit Score Online

our choice

Rating 4.1

  • Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
  • Free credit building, no matter your credit history
  • No annual fees or interest3
  • No credit check to apply
  • No minimum security deposit required1
  • Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Reports to all 3 major credit bureaus
  • View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders2
  • The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • 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 fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM.

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
N/A
Annual Fee
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

First Progress Platinum Prestige Mastercard® Secured Credit Card

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APPLY

Poor/Limited/No Credit
Get Your Credit Score Online

our choice

Rating 3.1

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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 $200 -- $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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

our choice

No Credit Check
Card Network
Mastercard®
Card Type
Secured
Regular APR
13.74% (V)
Annual Fee
$49
$200
Credit Limit
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
Up to $5,000 (subject to credit approval).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

Capital One Quicksilver Secured Cash Rewards Credit Card

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APPLY

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
28.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
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

Surge® Platinum Secured Mastercard®

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APPLY

All Credit Types Welcome to Apply
Get Your Credit Score Online

our choice

Rating 4.0

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

our choice

Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes
Credit Line from
$300
Security Deposit
$300
Credit Line
Initial refundable deposit of $300 becomes your credit limit
Credit Line Increase
Free automatic account reviews for credit limit increases
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere

PCB Secured Visa® Credit Card

Apply for PCB Secured Visa® Credit Card - Credit-Land.com
Compare
APPLY

Good/Limited Credit
Get Your Credit Score Online

our choice

Rating 3.2

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
*See Rates and Fees

our choice

18.90%
APR on Purchases
Annual Fee
$39*
Regular APR
18.90% (fixed)*
Late Payment Fee
Up to $40
Credit Line from
$200
Security Deposit
Choose between $200 and $1,000.
Credit Line
After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
Credit Line Increase
Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

PREMIER Bankcard® Secured Credit Card

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APPLY

Bad / Limited / No Credit

our choice

Rating 3.7

  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.

our choice

Credit Line from
$200
Security Deposit
$200
Credit Line
$200
Credit Line Increase
See Provider Website
Response in
60
Seconds
Response in 60 Seconds
Yes
Card Network
Mastercard
Credit Check
Yes
Reporting
to the Major Consumer
Reporting Agencies
Build Credit
Build credit by keeping your balance low and paying all your bills on time every month.
Card Usage
Use anywhere Mastercard is accepted (subject to available credit).

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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APPLY

Poor/Fair/Limited/Damaged
Get Your Credit Score Online

our choice

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
  • 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

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

The First Progress Platinum Elite Mastercard® Secured Credit Card

Apply for The First Progress Platinum Elite Mastercard® Secured Credit Card - Credit-Land.com
Compare
APPLY

Poor/Limited/No Credit
Get Your Credit Score Online

our choice

Rating 3.1

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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 $200 -- $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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

our choice

No Credit Check
Card Network
Mastercard®
Card Type
Secured
Regular APR
23.74% (V)
Annual Fee
$29
Credit Line from
$200
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
Up to $5,000 (subject to credit approval).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

The Self Visa® Credit Card

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APPLY

Limited / No Credit
Get Your Credit Score Online

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 credit check or a 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

OpenSky® Secured Visa® Credit Card

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Compare
APPLY

Bad / No Credit
Get Your Credit Score Online

our choice

Rating 3.4

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • 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
  • *View the cardholder agreement

our choice

Credit Line from
$200
Security Deposit
$200
Credit Line
Your refundable deposit, as low as $200, becomes your OpenSky Visa credit limit
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
21.14% (variable)
Annual Fee
$35
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere

First Progress Platinum Select Mastercard® Secured Credit Card

Apply for First Progress Platinum Select Mastercard® Secured Credit Card - Credit-Land.com
Compare
APPLY

Poor/Limited/No Credit
Get Your Credit Score Online

our choice

Rating 3.1

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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 $200 -- $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; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

our choice

No Credit Check
Card Network
Mastercard®
Card Type
Secured
Regular APR
17.74% (V)
Annual Fee
$39
Credit Line from
$200
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
Up to $5,000 (subject to credit approval).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

The First Latitude Platinum Mastercard® Secured Credit Card

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Compare
APPLY

Poor/Limited/No Credit
Get Your Credit Score Online

our choice

Rating 3.1

  • Start Building Your Credit with as Little as $100
  • Pay a Deposit (as Little as $100! Or up to $2000)
  • Quick and Easy Online Application
  • No Credit History or Minimum Credit Score Required!
  • Get a Platinum Mastercard (Bank Account Required)
  • Reports to all 3 Major Credit Bureaus
  • Credit Reporting Starts Immediately when your Account is Opened
  • *Just pay your bill on time to continue establishing your credit
  • First Latitude Mastercard is Accepted Nationwide and Online
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

our choice

$100
Credit Limit
Security Deposit
$100
Credit Line
See website for Details*
Credit Line Increase
See website for Details*
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Secured
Checking Account Required
Yes
Build Your Credit
Build Credit
Yes
Credit Bureau Reporting
Yes
Credit Check
Yes
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Discover it® Secured Credit Card

New/Rebuilding
Apply for Discover it® Secured Credit Card - Credit-Land.com
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Rating 4.5

APPLY

on Discover's secure website

CASH BACK AND $0 ANNUAL FEE
OFFER of December 2022

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
*See Terms
See more details

HAVE DIFFERENT CREDIT HISTORY?

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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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