Secured Credit Cards

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If you have a blemished credit history, a secured credit card could be a very good option for you. It’s exactly the same as a standard credit card, with one difference : you’re required by the card issuer to make a cash deposit in order to be approved by the issuer. This deposit also acts as your collateral, as well as a credit limit, which gives both you and the issuer ease and piece of mind. Compare cards and apply for a secured card below.

Merrick Bank Double Your Line® Secured Visa®

Get your FICO® Credit Score for free each month.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $36 the first year. Billed $3 per month thereafter

Credit Recommended See website for Details

Regular Purchase APR 17.70% Variable

Full Details Card Page

Highlights

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Additional Info

  • Regular APR: 17.70% Variable
  • Annual Fee: $36 the first year. Billed $3 per month thereafter
  • Credit Line: $200, which doubles to $400 if you qualify
  • Cash Advance APR: 22.70% Variable
  • Cash Advance Fee: 4% Min: $10
  • Late Payment Fee: Up to $40
  • Return Payment Fee: Up to $40
  • Foreign Trans Fee: 2%
  • Minimum Deposit: $200
  • Regular Transfer APR: N/A
  • Penalty APR: N/A
  • Balance Transfer Fee: N/A
  • Credit Recommended: See website for Details
  • Intro (Purchases): N/A
  • Intro (Transfers): N/A

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 17.70% Variable
Annual Fee $36 the first year. Billed $3 per month thereafter
Credit Recommended See website for Details
Cash Advance APR 22.70% Variable
Cash Advance Fee 4% Min: $10
Cash Grace Period n/a
Late Payment Fee Up to $40
Overlimit Fee n/a
Return Check Fee Up to $40
Foreign Transaction Fee 2%
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Issuer Website

Credit Recommended Bad/Limited/No Credit

Regular Purchase APR See Issuer Website

Full Details Card Page

Highlights

  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Issuer Website
Annual Fee See Issuer Website
Credit Recommended Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

OpenSky® Secured Visa® Credit Card

No credit check to apply and find out instantly if you are approved

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $35.00

Credit Recommended Poor

Regular Purchase APR 17.64% (variable)

Full Details Card Page

Highlights

  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement

Additional Info

  • Regular APR: 17.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Credit Recommended: Poor
  • Late Payment Fee: Up to $38
  • Cash Advance APR: 17.64% (variable)

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 17.64% (variable)
Annual Fee 35.00
Credit Recommended Poor
Cash Advance APR 17.64% (variable)
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $38
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Absolutely No Credit Check or Minimum Credit Score Required

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $48.00

Credit Recommended Poor/Fair/Limited/Damaged

Regular Purchase APR 9.99% Fixed

Full Details Card Page

Highlights

  • Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 9.99% Fixed
Annual Fee 48.00
Credit Recommended Poor/Fair/Limited/Damaged
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee *See Terms
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

Merrick Bank Secured Visa®

Get your FICO® Credit Score for free each month

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee $36 for first year. Billed $3 per month thereafter

Credit Recommended See website for Details*

Regular Purchase APR 17.70% Variable

Full Details Card Page

Highlights

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Additional Info

  • Regular APR: 17.70% Variable
  • Annual Fee: $36 for first year. Billed $3 per month thereafter
  • Credit Line: $200-$3,000, depending on deposit amount
  • Cash Advance APR: 22.70% Variable
  • Cash Advance Fee: 4% Min: $10
  • Late Payment Fee: Up to $40
  • Return Payment Fee: Up to $40
  • Foreign Trans Fee: 2%
  • Minimum Deposit: $200
  • Regular Transfer APR: N/A
  • Penalty APR: N/A
  • Balance Transfer Fee: N/A
  • Credit Recommended: See website for Details*
  • Intro (Purchases): N/A
  • Intro (Transfers): N/A

Specifications

Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 17.70% Variable
Annual Fee $36 for first year. Billed $3 per month thereafter
Credit Recommended See website for Details*
Cash Advance APR 22.70% Variable
Cash Advance Fee 4% Min: $10
Cash Grace Period N/A
Late Payment Fee Up to $40
Overlimit Fee N/A
Return Check Fee Up to $40
Foreign Transaction Fee 2%
Balance Transfer Fee N/A

PCB Secured Visa® Credit Card

Start Building Your Future Today!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $39*

Credit Recommended Good/Limited Credit

Regular Purchase APR 18.90% (fixed)*

Full Details Card Page

Highlights

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
  • Start Building Your Future Today! We understand that establishing a positive credit history is important. That’s why we offer the PCB Secured Visa® credit card. Whether you are rebuilding your credit or new to credit, the PCB Secured Visa is the perfect choice. Our mission is to provide customers with quality service and products, by linking the values of the past with the ideas and technology of the future.
  • Looking for a credit card to help build your credit history? When looking to build or rebuild your credit, there are advantages to the PCB Secured Visa® credit card. Like all secured credit cards it requires an upfront collateral deposit and works like any other credit card.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 18.90% (fixed)*
Annual Fee $39*
Credit Recommended Good/Limited Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

First Progress Platinum Select Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required for Approval

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $39.00

Credit Recommended Damaged/Fair

Regular Purchase APR 14.24% (V)

Full Details Card Page

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.24% (V)
Annual Fee $39.00
Credit Recommended Damaged/Fair
Cash Advance APR 20.24% (V)
Cash Advance Fee
Cash Grace Period n/a
Late Payment Fee $40.00
Overlimit Fee n/a
Return Check Fee $29.00
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

The First Progress Platinum Elite Mastercard® Secured Credit Card

Receive Your Card More Quickly with New Expedited Processing Option

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $29.00

Credit Recommended Poor/Limited/No Credit

Regular Purchase APR 20.24% (V)

Full Details Card Page

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 20.24% (V)
Annual Fee $29.00
Credit Recommended Poor/Limited/No Credit
Cash Advance APR 25.24% (V)
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

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Office Location
Address: Attn: LeadDemand - 3200 E. Guasti Road, Suite 100 - Ontario, CA 91761

Contact Information
Email: support@deluxcards.com
Phone: Customer Service

Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

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