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Secured credit cards

Compare over 100 secured credit cards.

Compare secured credit cards to rebuild credit

Use our table to compare secured credit credits for bad credit. These cards are designed to help you build your credit. Note, you may need to pay the security deposit when you apply for a card. If you don't have enough to fund the deposit, learn how to save up for a deposit.

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
22.49% variable
$0
New to credit
A no annual fee secured card for people who are new to credit or have limited credit history.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
$48
300
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.
Surge Secured Mastercard®
Starting at $300
19.99% variable
$69
300
Earn 1% cash back rewards.
Self Visa® Credit Card
Starting at $100
21.74% variable
$25
300
Build your credit with a low minimum security deposit of $100 and no credit score required.
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
$35
300
Apply for this card with no credit check if you're new to credit or have bad credit.
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Compare up to 4 providers

The best secured credit cards of 2021

Too many options? If you’d like a curated guide of the best secured cards, check out our editors’ top picks.

Which banks offer secured credit cards?

BanksDo they offer a secured card?Available secured cards
AmexNoN/A
Bank of AmericaYesBankAmericard® Secured Credit Card
BarclaycardNoN/A
Capital OneYesCapital One® Secured Mastercard®
ChaseNoN/A
CitiYesCiti® Secured Mastercard®
HSBCNoN/A
DiscoverYesDiscover it® Secured
U.S. bankYesU.S. Bank Secured Visa® Card
Wells FargoYesWells Fargo Business Secured Credit Card

What type of card do you need?

Ask the experts

Andrei Simonov profile picture
  • Andrei Simonov
  • Chairperson of the Department of Finance
  • Michigan State University
Travis Davidson profile picture
  • Travis Davidson
  • Associate Professor of Finance
  • Ohio University
Daniel Folkinshteyn profile picture
  • Daniel Folkinshteyn
  • Associate Professor
  • Rowan University
Neel Das
  • Neel Das
  • Associate Professor
  • Appalachian State University
Al Kamienski
  • Al Kamienski
  • PhD Professor of Finance
  • North Park University
Julio Sevilla
  • Julio Sevilla
  • Assistant Professor in the Terry College of Business
  • University of Georgia

Bottom line

Secured cards are a useful tool for building or rebuilding your credit score and moving on to an unsecured card. Your main goal is to spend responsibly, pay your balance on time and graduate to more beneficial credit cards as soon as possible

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