Secured Credit Cards

Highlights

• Earn up to 10% cash back on everyday purchases
• No credit check required – 89% approval rate with zero credit risk to apply!
• Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
• Track your progress with free access to your FICO® score in our mobile app
• Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
• Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
• Start with just $200—secure your credit line with a refundable deposit
• Fast and easy application—apply in minutes with our mobile-first experience
• Flexible payment options—pick a due date that works for you
• More time to fund—spread your security deposit over 60 days with layaway
• Join 1.6 million+ cardholders who have used opensky® to build better credit!

Additional Info

• Regular APR: 23.89% (variable)
• Annual Fee: $35
• Credit Line: $200-$3000 at time of application
• Credit Recommended: No credit, Poor, Fair
• Late Payment Fee: Up to $41
• Cash Advance APR: 23.89% (variable)
• Penalty APR: None
• Rewards Rate: Up to 10% cash back rewards

Specifications

Highlights

The Super.com Secured Credit Card isn’t just another card, it’s a breakthrough in how people can build credit.

The Super.com Card can help build your credit like a secured card, and gives you real rewards, all with no minimum or upfront deposit.³

Simple. Smart. Rewarding.

Additional Info

§ Credit building features are only available to Super+ Members. You must pay the $15/month membership fee, and enroll in rent reporting or Super.com Card credit reporting, to build credit. If you enroll in Super.com Card reporting, your card activity will be reported to credit bureaus monthly until your card is closed. Impact on credit score may vary. Super.com cannot control factors outside our services that may impact your credit.

† This limited-time promotional offer is available for select new members only. If you enroll in this promotional offer, you will be charged $5 for the first 60 days. After that, you will be charged $15/month. Cancel anytime by visiting Manage Membership.

Specifications

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: 21.95% Variable
• Annual Fee: $36 for first year. Billed $3 per month thereafter
• Credit Line: $200-$3,000, depending on deposit amount
• Cash Advance APR: 26.95% 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

Highlights

Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY

• Build your credit score every time you spend
• Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
• No credit check or hard inquiry
• No overspending
• No interest, overdraft fee, late payment fee, or account minimum requirement
• We can approve your credit card application regardless of your credit history¹
• We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
• Applying for Firstcard does not impact your credit score

Additional Info

EARN CASHBACK² EVERY TIME YOU SPEND

• Earn up to 15% Merchant Cashback at 29,000 partner merchants
• Earn up to 10% Random Cashback on all qualifying purchases
• Get an additional 1% cashback on all qualifying purchases with Firstcard+³

GROW YOUR MONEY OVER TIME

• Firstcard Standard members can earn 0.75% Annual Percentage Yield⁴ (APY)
• Firstcard+ members can earn 2.00% APY
• Firstcard Premium members can earn 4.00% APY
  (The national average interest rate on savings accounts is 0.45% APY⁵)

EQUAL ACCESS FOR EVERYONE

• Accept immigrants, international students, foreigners, and non-US citizens without an SSN¹
• Have no credit score or low credit score? No problem. We can approve your credit card application regardless of your credit history.

SECURITY AND SUPPORT YOU CAN TRUST

• Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC.
• The Firstcard credit card is issued pursuant to a license from Mastercard® International Inc.
• Our team is based in the US and we are headquartered in Silicon Valley.

Specifications

Highlights

• Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
• Apply with no impact to your credit!²
• The first step to rebuilding your credit starts with just $200!¹
• Choose the First Progress Select Card for a lower annual fee!
• All credit types welcome to apply!
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
• ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• ²We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
• ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
• *See Important Disclosures for complete offer details

Additional Info

• Rewards Rate: Up To 10% Cash Back on Purchases + 1% on Payments^^
• Credit Line: Minimum refundable deposit of $200.00 up to $2,000.00*
• Credit Recommended: Poor/Limited/No Credit
• Regular APR: 17.49% (V)
• Cash Advance APR: 23.49% (V)
• Annual Fee: $39

Specifications

Highlights

• Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
• A $200 refundable deposit is your first step toward better credit!
• Apply with no impact to your credit!²
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
• All credit types welcome to apply!
• ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• ²We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
• ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
• *See Important Disclosures for complete offer details

Additional Info

• Rewards Rate: Up To 10% Cash Back on Purchases + 1% on Payments^^
• Credit Line: Minimum refundable deposit of $200.00 up to $2,000.00*
• Credit Recommended: Poor/Limited/No Credit
• Regular APR: 13.49% (V)
• Cash Advance APR: 22.49% (V)
• Annual Fee: $49

Specifications