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Best Secured Credit Cards

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First Progress Platinum Select Mastercard® Secured Credit Card

First Progress offers three secured credit cards for people who are new to credit or rebuilding their credit. These cards have the same application requirements and similar features, but offer a choice between a lower annual fee or lower interest rate. The Platinum Select Mastercard® Secured Credit Card is the middle option. View More >

Merrick Bank Credit Card

Merrick Bank, for those of you who aren’t familiar with the institution, is an online lender headquartered in Utah that specializes in credit cards and boat/RV financing. That’s interesting enough, but the Merrick Bank Secured Visa Card doesn’t offer much to hold your attention. Don’t get us wrong; it’s not a bad card. It’s just a no-frills, moderately priced option with competitors that are both cheaper and more exciting. View More >

OpenSky Secured Visa Credit Card

One of the biggest barriers to building credit is not having a bank account. If you don’t have either, the OpenSky Secured Visa Credit Card from Capital Bank, N.A. can help you, and for a reasonable price. You won’t need any credit at all to get a card, and you won’t need a bank account either, although you may need to find some creative ways to pay the security deposit and your bill. View More >

Citi® Secured Mastercard

The Citi Secured Mastercard is one of the best secured cards on the market, largely because it does not charge an annual fee. Only a handful of other credit cards enable you to rebuild your credit as inexpensively. View More >

Navy Federal Credit Union nRewards® Secured Credit Card

The Navy Federal Credit Union® nRewards® Secured Credit Card is a strong choice for members looking to build or repair credit. The keyword to note here is "members," because if you aren't a member of the Navy Federal Credit Union, you won't be eligible to apply for this card. To become a member of Navy Federal, you have to either be a member of the military, a past member or veteran of the military, an employee of the Department of Defense, or an immediate family member of any of those. View More >

Capital One® Secured Mastercard

A rare partially-secured credit card, the Capital One® Secured Mastercard is perfect for building credit at a low cost. In addition to a $0 annual fee and a $0 foreign transaction fee, the Capital One® Secured Mastercard offers a $200 starting credit limit in return for a refundable security deposit that could be as low as $49. The deposit requirement also could be $99 or $200. The Capital One Secured Card also reports to all three major credit bureaus each month. View More >

Capital One® Secured Mastercard®

If you need to build or repair your credit, the Capital One Secured Mastercard provides a simple, inexpensive opportunity to do so. You’ll need to provide an initial security deposit to establish your line of credit, up to a maximum of $1,000, but you’ll be able to increase it in time. View More >

Applied Bank Secured Visa Gold Preferred Credit Card

Applied Bank guarantees approvals and doesn't run a credit check. There are several fees associated with this card, but the Secured Visa Gold Preferred card can still help those with damaged credit improve credit scores over time. View More >

Low Security Deposit >>

Secured credit cards are most frequently used to build credit, either after bankruptcy or when someone is new to the credit market altogether. Although secured credit cards do require a deposit, the deposit typically won’t exceed the total balance in credit you are granted. Thus, you are effectively building credit while using a credit card in the same way you would use any credit card. This presents a lower risk to lenders, especially when your credit history is poor.

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OpenSky Secured Visa Credit Card

One of the biggest barriers to building credit is not having a bank account. If you don’t have either, the OpenSky Secured Visa Credit Card from Capital Bank, N.A. can help you, and for a reasonable price. You won’t need any credit at all to get a card, and you won’t need a bank account either, although you may need to find some creative ways to pay the security deposit and your bill.
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Capital One® VentureOne® Rewards Credit Card

The Capital One VentureOne Rewards is a general-use card that offers 1.25X miles per dollar on all purchases, and you can exchange those miles at a number of airline loyalty programs where you may find a higher value.
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Discover it® Secured

Discover it® Secured is 2019’s best secured credit card because it has a $0 annual fee and rewards cardholders with 1% to 2% cashback on purchases. The Discover it Secured card also doubles the rewards cardholders earn the first year. Very few secured cards even offer rewards.
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Assent Platinum Secured Credit Card

Given its high $49 annual fee, the Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card is a product you should probably pass on. You’ll find several great alternatives with no annual fees, which is helpful considering you still have to put down a security deposit.That said, the Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card stands out in two regards.
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Capital One® Secured Mastercard®

If you need to build or repair your credit, the Capital One Secured Mastercard provides a simple, inexpensive opportunity to do so. You’ll need to provide an initial security deposit to establish your line of credit, up to a maximum of $1,000, but you’ll be able to increase it in time.
View More >

Applied Bank Secured Visa Gold Preferred Credit Card

Applied Bank guarantees approvals and doesn't run a credit check. There are several fees associated with this card, but the Secured Visa Gold Preferred card can still help those with damaged credit improve credit scores over time.
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View More Low Security Deposit >>

No Bank Account Required >>

If you don’t have a bank account to make your security deposit, you won’t be able to apply for most secured cards. But the Citi® Secured Mastercard® (Review) allows you to pay the deposit by other methods, although you’ll need to visit a Citibank location in person to do this. If you do have a bank account, you can simply use the online application as you normally would.

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Citi® Secured Mastercard®

While offering no rewards and limited benefits, the Citi Secured Mastercard presents a good way to build credit whether you’re new or working your way back from having bad credit. It requires a security deposit to fund your credit limit, but Citi may eventually return your deposit if you show responsible credit habits.
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Secured Credit Cards For Earning Rewards, No Annual Fee >>

The Discover it® Secured (Review) is is probably the best secured credit card thanks to its rewards program, which is pretty good even compared to many unsecured cards.

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Discover it® Secured

Discover it® Secured is 2019’s best secured credit card because it has a $0 annual fee and rewards cardholders with 1% to 2% cashback on purchases. The Discover it Secured card also doubles the rewards cardholders earn the first year. Very few secured cards even offer rewards.
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Secured Credit Cards For Low Security Deposit >>

With most secured cards, your credit limit will be equal to the amount you provide for the security deposit. But that’s not necessarily true for the Capital One® Secured Mastercard® (Review).

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Capital One® Secured Mastercard®

If you need to build or repair your credit, the Capital One Secured Mastercard provides a simple, inexpensive opportunity to do so. You’ll need to provide an initial security deposit to establish your line of credit, up to a maximum of $1,000, but you’ll be able to increase it in time.
View More >

Secured Credit Cards For No Bank Account Required >>

If you don’t have a bank account to make your security deposit, you won’t be able to apply for most secured cards.But the Citi® Secured Mastercard® (Review) allows you to pay the deposit by other methods, although you’ll need to visit a Citibank location in person to do this. If you do have a bank account, you can simply use the online application as you normally would.

Read More

Citi® Secured Mastercard®

While offering no rewards and limited benefits, the Citi Secured Mastercard presents a good way to build credit whether you’re new or working your way back from having bad credit. It requires a security deposit to fund your credit limit, but Citi may eventually return your deposit if you show responsible credit habits.
View More >

Editing method and disclaimer

All the credit cards recommended by iCompareCards come from our editorial team to organize and summarize through the real feedback of users on the Internet and the evaluation results of other professionals. We do not charge any fees from the recommended credit card issuers, we do our best to ensure the validity of the recommendations, but it does not ensure that we fully meet your needs and the accuracy of the information. When you make a decision with reference to the credit card information recommended on this website, the information of the credit card issuer shall prevail, and we declare that we will not bear any responsibility and consequences.