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If you have a poor credit history, or don’t have a credit score at all, a secured card might be your best option for restoring or building financial health. Most secured cards require you put down a security deposit. This serves as your credit limit and collateral for your credit lender in the event you miss payments.
Use your secured card responsibly and pay your balance in full each month to start improving your score and graduate to an unsecured credit card.
OpenSky® Secured Visa® Credit Card
A secured Visa® credit card that helps you build your credit quickly.
$35 annual fee
19.64% variable APR
$200 minimum deposit
While secured cards don’t typically offer the breadth of features and perks that come with unsecured cards, you’ll still find a decent variety of secured cards to suit your needs.
[{"question":"What are you looking for?","answers":[{"option":"a","text":"No annual fee"},{"option":"b","text":"Rewards"},{"option":"c","text":"Low deposit"},{"option":"d","text":"Fixed APR"},{"option":"e","text":"No credit history needed"}]}]
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In the guide below, you’ll learn… Most secured cards require a deposit corresponding to your credit limit. This is not the case with Capital One® Secured Mastercard®. Depending on your credit score, you can pay as little as $49 and still receive a $200 credit limit.
The perks
No annual fee. You won’t pay an annual fee to use this secured card.Flexible minimum deposit. You’ll pay either $49, $99 or $200 for your security deposit, depending on your credit.Credit limit upgrades. Capital One® might increase your credit limit if you pay your first five monthly payments on time.
Watch out for
High purchase APR. Pay your balance in full each month to avoid additional interest.No balance transfers This card doesn’t allow balance transfers.
The DCU Visa® Platinum Secured Credit Card offers one of the lowest variable APRs for purchases, balance transfers and cash advances among secured cards. You also won’t have to worry about a variety of fees, meaning you can concentrate on paying down your balance.
To apply for this secured card however, you’ll need to open a savings account at DCU.
The perks
No annual fee. You won’t pay an annual fee to use this secured card.Low interest rate. The DCU Visa® Platinum Secured Credit Card sports a 13.5% variable APR on purchases, balance transfers and cash advances.Few fees. You’ll pay no fees for balance transfers, cash advances or foreign transactions.
Watch out for
Savings account required. You’ll need to open a savings account with DCU to use this card.
Though secured cards are designed to help you build credit, applying for one typically requires a credit check nonetheless. This can affect your credit limit or even disqualify you for a card.
The OpenSky® Secured Visa® Credit Card skips the credit check, meaning you can apply even if you don’t have any credit.
The perks
No credit check necessary. You can apply no matter the state of your credit score.Builds credit fast. OpenSky reports your card activity to all three major credit bureaus.Low minimum deposit. You’ll need to deposit $200 as collateral for this card, which is fairly average for secured cards.
Watch out for
Annual fee. You’ll need to pay a $35 annual fee to use this card.Foreign transaction fees. Using this card abroad will cost an additional 3% of the transaction.
Best secured card for military members: Navy Federal Credit Union® nRewards® Secured Credit Card Military members can experience some unique challenges when it comes to building and using credit, so a secured card such as the Navy Federal Credit Union® nRewards® Secured Credit Card helps mitigate those challenges. This card offers low fees, a low APR, a rewards program and a path to graduating to an unsecured card.
The perks
No annual fee. You won’t pay any annual fee to use this card.Few miscellaneous fees. There are no fees for balance transfers, foreign transactions or cash advances.Rewards. You can earn 1 point per dollar spent on eligible purchases.
Watch out for
Military only. You’ll need to be a member of the Navy Federal Credit Union to apply for this card.No intro APR. While the purchase APR for this card is low, it applies immediately upon obtaining the card.
How we selected our top cards We compared a number of factors shared across secured cards, including minimum security deposits, credit limits, intro and overall APRs, fees, qualification requirements and unusual perks such as rewards programs. Cards that outperformed others, or fulfilled unique niches, were selected for our list.
What’s changed in 2019 Among major providers, Capital One still leads the way in secured cards. You’ll also continue to find great options among lesser-known providers, especially if you’re looking for unique perks like low APR or no credit check.
AeroMexico Visa® Secured Card $300 – $5,000 Fund when you applyPrint an application and mail along with your deposit payment.
Cashier’s checkMoney order
Applied Bank® Secured Visa® Gold Preferred® Credit Card $200 – $1,000 Fund when you apply Open and fund an account with Applied Bank. Armed Forces Bank Card $300 – $3,000 Fund when you apply Open and fund a Credit Builder Savings Account with Armed Forces Bank. BankAmericard® Secured Credit Card $300 – $4,900 Fund when you apply Bank transfer Bremer Bank Visa® Secured Card $300 – $5,000 Fund when you apply Open and fund an account with Bremer Bank, cashiers check and money order. Capital One® Secured Mastercard® $49, $99 or $200, based on your creditworthiness. 35 days Bank transfer Citi® Secured Mastercard® $200 – $2,500 14 days Bank transfer DCU Visa® Platinum Secured Credit Card $500 – $1,000 45 days Bank transfer Excent Secured Credit Card $200 – $5,000 30 days Bank transfer Fifth Third Secured Card $300 – $5,000 Fund when you apply Open and fund an account with Fifth Third Bank First Progress Platinum Elite MasterCard® Secured Credit Card $200 – $2,000 Fund when you apply Open and fund an account with Synovus Bank First Progress Platinum Prestige MasterCard® Secured Credit Card $200 – $2,000 Fund when you apply Open and fund an account with Synovus Bank First Progress Platinum Select MasterCard® Secured Credit Card $200 – $5,000 Fund when you apply Open and fund an account with Synovus Bank Harley-Davidson® Visa® Secured Card $300 – $5,000 Fund when you apply Bank transferCashier’s check
Money order
Justice Federal Credit Union (JFCU) VISA Classic Secured Card $100 – 110% of pledged shares. Fund when you apply Bank transfer Merrick Bank Secured Visa® Card $200 – $3,000 30 days Bank transferCashier’s check
Money order
nRewards® Secured Credit Card $200 – $5,000 Fund when you apply Bank transfer (Applicant must be an NFCU member) OpenSky® Secured Visa® Credit Card $200 – $3,000 Fund when you apply Bank transfer, Money Order Green Dot primor® Visa® Classic Secured Credit Card $200 – $5,000 30 days Bank transfer Green Dot primor® Visa® Gold Secured Credit Card $200 – $5,000 30 days Bank transfer Green Dot primor® Mastercard® Gold Secured Credit Card $200 – $5,000 30 days Bank transfer Green Dot primor® Mastercard® Classic Secured Credit Card $200 – $5,000 30 days Bank transfer Green Dot® Platinum Visa® Please note: All information about Green Dot® Platinum Visa® has been collected independently by Finder. $200 – $1,000 60 days Bank transferCheck or money order
Pay at a Green Dot partner retail store
SDFCU Savings Secured Visa Platinum Card $250 – $100,000 30 days Bank transfer SKYPASS Visa® Secured Card $300 – $5,000 Fund when you apply Bank transfer, cashiers check and money order SunTrust Secured Card $300, maximum deposit depends on your creditworthiness Fund when you apply Must open and fund an account with SunTrust Bank Surge Mastercard® Credit Card® $50 – $500 30 days Undisclosed TCF Bank Secured Visa® Card $300 – $5,000 Fund when you apply Bank transfer Union Bank® Secured Visa® Credit Card $300 – $5,000 Fund when you apply Undisclosed UNITY Visa® Secured Credit Card $250 – $10,000 Fund when you apply Bank transfer, check or money order UNITY Visa Secured Credit Card - UGET25 Promotion $300 – $5,000 Fund when you apply Bank transfer U.S. Bank Secured Visa® Card $300 – $5,000 Fund when you apply Bank transferCashier’s check
Money order
Wells Fargo Secured Credit Card $300 – $25,000 30 days Bank transfer from Wells Fargo accountCheck or money order
Cashier’s check
Funding your secured credit card
Choosing the right secured credit card is important for making sure you end up with a card that will help you rebuild your credit score. Once you’ve reviewed your options, follow these simple steps to applying for a secured card.
Minimum security deposit . If you don’t have a lot of money to put toward a security deposit, you’ll want a secured credit card with a low deposit .Maximum security deposit . Look for a secured credit card that requires a high security deposit if you want a secured credit card with a large credit limit. Many limit the security deposit to $5,000, but there are a few that allow security deposits as high as $10,000.Interest rate . Ideally, you will pay your balance in full each month. This is the best way to build a good credit score and avoid getting into debt. If there’s a chance that you’ll carry a balance rather than pay in full each month, choose a secured credit card with a low interest rate . You’ll pay less in finance charges if you have a low interest rate.Reporting to the major credit bureaus . The goal of having a secured credit card is to build a new credit history or rebuild a bad credit history. Having a card that reports your account details to the major credit bureaus is a must. This way your payment history will be included in your credit report and will help improve your credit score.The credit card issuer . Picking a secured credit card from a major credit card issuer is often a safe choice. Choose a secured credit card from a well-known, reputable credit card issuer to be sure you’re not falling for a scam.Secured credit cards play an integral role in helping you build or rebuild your credit. They’re a useful first step in your credit journey and bolster several of the financial areas lenders will look at when considering your application. Read more about how secured credit cards can help your credit score and compare your options to start restoring your credit score.
Read more about secured credit cards Want to know more about secured cards and your available secured card options? Check out our guides and comparisons for even more info:
Secured cards are a useful tool for building or rebuilding your credit score and moving on to an unsecured card. Don’t get too comfortable while using it however — your main goal is to spend responsibly, pay your balance on time and graduate to more beneficial credit cards as soon as possible.
Can you get turned down for a secured credit card?
Yes. While uncommon, particularly poor credit or a history of bankruptcy or other financial mishandling can disqualify you from obtaining a secured credit card.
What do I do if I'm turned down for a secured credit card?
There are a number of steps you can take after getting turned down for a secured card, including finding out why and boosting your score in other ways.
Do secured credit cards hurt your credit score?
No. While the initial application may temporarily affect your credit because of the hard inquiry performed by the lender, actively using a secured credit card will only improve your score provided you use it responsibly.
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Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and travel the world like a pro. He's taken an extended trip around Europe as a digital nomad, gaining firsthand experience with exchange rates, ideal (and not-so-ideal) credit and debit cards, foreign transactions and budgeting strategies. He earned his BA from UC Davis and has written across many niches at Finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers.
