Secured Credit Cards List

Secured credit cards are a type of credit card that is great for those who are either looking to establish a credit history or to repair and rebuilding their credit. They require you to put down a deposit (usually between $200 and $5,000) and this deposit will usually be your credit limit. Many secured credit cards do not charge annual fees and almost all report to the three major credit bureaus. If you use these cards responsibly, keep your credit utilization at 30% or below and pay your bills in full and on time, secured cards can help you improve your credit over time (and sometimes very quickly too).

Below is a list of well known secured credit cards. Many are issued by mainstream issuers and some even do not check your credit (which means you are guaranteed approval). Use our filters to narrow down the features you are looking for to find the right card for yourself.

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OpenSky® Secured Visa® Credit Card

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Annual Fee: $35 
$35 
APR: 19.14%*V 
19.14%*V 
Deposit: Deposit Required 
Deposit Required 
Interest on Deposit:  
 
Credit Bureau Reporting:  
 
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First Progress Platinum Elite MasterCard® Secured Credit Card

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Annual Fee: $29 
$29 
APR: 20.24% 
20.24% 
Deposit: Deposit Required 
Deposit Required 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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Discover it Secured

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Annual Fee: $0 
$0 
APR: 24.24%*V 
24.24%*V 
Deposit: $200 to $2,500 
$200 to $2,500 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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Capital One Secured MasterCard

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Annual Fee: $0 
$0 
APR: 24.99%*V 
24.99%*V 
Deposit: $49, $99 or $200 
$49, $99 or $200 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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Navy Federal nRewards Secured

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Annual Fee: $0 
$0 
APR: 10.24% to 18%*V 
10.24% to 18%*V 
Deposit: Min $500 
Min $500 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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SDFCU EMV Secured

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Picture of Item Reviewed
Annual Fee: $0 
$0 
APR: Min 13.24%*V 
Min 13.24%*V 
Deposit: Min $250 
Min $250 
Interest on Deposit:  
 
Credit Bureau Reporting:  
 
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USAA Secured American Express

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Annual Fee: $35 
$35 
APR:  
 
Deposit: $250 - $5,000 
$250 - $5,000 
Interest on Deposit: 0.54% - 2yr CD 
0.54% - 2yr CD 
Credit Bureau Reporting:  
 
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USAA Secured Visa

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Annual Fee: $35 
$35 
APR: 11.15% to 21.15%*V 
11.15% to 21.15%*V 
Deposit: $250 - $5,000 
$250 - $5,000 
Interest on Deposit: Yes - 2 Year CD 
Yes - 2 Year CD 
Credit Bureau Reporting:  
 
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Harley Davidson Secured Visa

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Annual Fee: $0 
$0 
APR: 24.24%*V 
24.24%*V 
Deposit:  
 
Interest on Deposit: Yes 
Yes 
Credit Bureau Reporting:  
 
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Best Western Secured MasterCard

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Annual Fee: $29 
$29 
APR: 22.24%*V 
22.24%*V 
Deposit: $300 - $5000 
$300 - $5000 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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Sheetz Secured Visa

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Annual Fee: $40 
$40 
APR: 22.24%*V 
22.24%*V 
Deposit: $300 - $5,000 
$300 - $5,000 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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BankAmericard Secured Credit Card

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Annual Fee: $39 
$39 
APR: 20.24% 
20.24% 
Deposit: $300 - $4,900 
$300 - $4,900 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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Citi Secured MasterCard

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Annual Fee: $0 
$0 
APR: 23.74%*V 
23.74%*V 
Deposit: $200 - $2,500 
$200 - $2,500 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
REVIEW
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US Bank Secured

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Annual Fee: $29 
$29 
APR: 20.24%*V 
20.24%*V 
Deposit: $300 - $5,000 
$300 - $5,000 
Interest on Deposit: Yes 
Yes 
Credit Bureau Reporting:  
 
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Wells Fargo Secured Visa®

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Annual Fee: $25 
$25 
APR: 18.99% 
18.99% 
Deposit: $300 - $10,000 
$300 - $10,000 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
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Merrick Bank Secured Visa

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Annual Fee: $36 ($3/m) 
$36 ($3/m) 
APR: 18.7%*V 
18.7%*V 
Deposit: $200 - $3000 
$200 - $3000 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
REVIEW
COMPARE

Green Dot Platinum Secured Visa

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Annual Fee: $39 
$39 
APR: 19.99%*V 
19.99%*V 
Deposit: $200 - $1000 
$200 - $1000 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 
REVIEW
COMPARE

Korean Air Skypass Secured Visa

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Annual Fee: $50 
$50 
APR: 17.49%*V 
17.49%*V 
Deposit: $300 - $5,000 
$300 - $5,000 
Interest on Deposit: Yes 
Yes 
Credit Bureau Reporting:  
 
REVIEW
COMPARE

AeroMexico Secured Visa

Picture of Item Reviewed
Annual Fee: $25 
$25 
APR: 24.24%*V 
24.24%*V 
Deposit: $300 - $5,000 
$300 - $5,000 
Interest on Deposit: Yes 
Yes 
Credit Bureau Reporting:  
 
REVIEW
COMPARE

ExcentTM Secured Visa Blue Card

Picture of Item Reviewed
Picture of Item Reviewed
Annual Fee:  
 
APR: 13.99%*V 
13.99%*V 
Deposit: $200 - $5,000 
$200 - $5,000 
Interest on Deposit: No 
No 
Credit Bureau Reporting:  
 

Best Secured Credit Cards

If you have no credit or little credit, you should be able to get most secured cards. However, if your credit has taken a hit and you are rebuilding, many secured cards issued by mainstream banks will decline you. Therefore, the cards mentioned here are recommended for those of you who are rebuilding. They either have no credit checks or have a record (according to consumers) of accepting folks with bad credit. They also have very reasonable fees and rates compared to others in the market. Most folks should be able to get approved for these cards.
 

  1. State Department FCU EMV Secured Card - No credit checks but requires membership in ACC (American Consumer Council).
  2. Primor Secured Cards - No Credit Checks
  3. OpenSky Secured Card - No Credit Checks
  4. Capital One Secured - No Annual Fee and partially secured
  5. USAA Secured Visa®
  6. USAA Secured American Express
  7. Navy Federal nRewards Secured - For military members

Resources

What is a secured credit card and how does it work?

Pros and Cons of Secured credit cards

How does deposits on secured credit cards work?

What should a typical deposit be on a secured credit card?

How to use secured credit cards wisely?

How fast can secured credit cards build credit?

How many secured credit cards do you need to build credit?
 

 

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