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Does Chase have a secured credit card?

You’ll need to get this card type from a different provider.

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Unfortunately, Chase doesn’t support a secured credit card. But other card providers offer solid secured credit cards with low fees and interest rates.

Are there Chase credit cards for poor credit?

Unfortunately, no. As of this writing, Chase doesn’t offer a single card that a consumer with poor or even fair credit could obtain. At the very least, you’ll need a good credit score to qualify for a Chase credit card. If you’re looking for a card suitable for a poor or fair credit score, you’ll need to look to other providers. Check out our credit cards for fair credit article to start comparing your options.

Chase cards for building credit

Chase has one credit card for building credit, and it’s an unsecured card — Chase Freedom® Student credit card. However, you have to be a college student to apply for it.

Alternatives to a Chase secured credit card

Secured cards are a great way of building credit if you have poor credit score or no credit history. While Chase doesn’t offer a secured credit card, you’ll find secured cards from different providers worth considering. For example:

  • Bank of America® Cash Rewards Secured. An excellent credit card with 3% cash back on one category you choose, 2% back at grocery stores and wholesale clubs on up to $2,500 each quarter in combined purchases. After reaching the cap and on all other purchases, you earn 1% cash back. On top of that, you get to earn a signup bonus and you don’t pay an annual fee.
  • Discover it® Secured. Another great secured card that lets you earn 2% cash back at gas stations and restaurants on up to $1,000 each quarter. After reaching the cap and on all other purchases, your cashback rate stands at 1%. What’s more, Discover will double the entire cash back you earn during your first year of card membership.
  • OpenSky® Secured Visa® Credit Card. This card doesn’t have a rewards program. Instead, it won’t do a hard pull on your credit when you apply.

Compare secured credit cards

Before you apply for a secured card, make sure you compare multiple cards and choose the one that has the best features for your situation. But the most important feature a secured card must have to build your credit is to report your activity to all three major credit bureaus — Experian, Equifax and TransUnion.

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
Apply for this card with no credit check if you're new to credit or have bad credit.
OakStone Platinum Secured Mastercard®
Starting at $200
9.99% variable
Build credit and enjoy an ultra-low APR on purchases of 9.99% variable with this secured credit card.
OakStone Gold Secured Mastercard®
Starting at $200
13.99% variable
A secured credit card to help you build credit with a low APR on purchases of 13.99% variable.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Starting at $200
0% intro for the first 6 months (then 12.99% variable)
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.

Compare up to 4 providers

Features to look for in a secured credit card

When looking for a secured credit card, keep an eye on:

  • Annual fee. Some secured credit cards come with an annual fee of up to $49. But you can also find excellent secured credit cards without an annual fee.
  • Secured deposit. Deposit amounts required vary among card providers. Look for one that allows for an amount that fits your budget.
  • Interest rates. Depending on the secured card, you could find fixed and variable rates. If you often carry a balance, look for a card with the lowest rates.
  • Cash back. Although rare, some secured credit cards allow you to earn cash back on your purchases.
  • Reports to credit bureaus. Make sure the provider reports your responsible spending and on-time payments to all three major bureaus — TransUnion, Experian and Equifax.

Bottom line

Chase doesn’t offer secured credit cards, but other providers do. Compare the range of secured credit cards available until you find the best card for your budget and goals.

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