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.

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Merrick Bank Double Your Line® Secured Credit Card

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 22.20% 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: 22.20% 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: 27.20% 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 22.20% Variable
Annual Fee $36 the first year. Billed $3 per month thereafter
Credit Recommended See website for Details
Cash Advance APR 27.20% 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
Hide Details
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PREMIER Bankcard® Secured Credit Card

There’s no checking account required

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Provider Website

Credit Recommended Bad/Limited/No Credit

Regular Purchase APR See Provider Website

Full Details Card Page

Highlights

  • There’s no checking account required.
  • When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
  • After six months of responsible secured card use you may be eligible† to apply for an unsecured PREMIER Bankcard® Mastercard®.
  • †PREMIER Bankcard® Mastercard® available upon invitation after you’ve been with us for six months and have kept your account in good standing (on-time payments and staying within credit limit).
  • 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

  • Regular APR : See Provider Website
  • Annual Fee : See Provider Website
  • Credit Line : See Provider Website
  • Credit Recommended : Bad/Limited/No Credit

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Provider Website
Annual Fee See Provider Website
Credit Recommended Bad/Limited/No Credit
Cash Advance APR See Provider Website
Cash Advance Fee See Provider Website
Cash Grace Period See Provider Website
Late Payment Fee See Provider Website
Overlimit Fee n/a
Return Check Fee See Provider Website
Foreign Transaction Fee See Provider Website
Balance Transfer Fee n/a
Hide Details
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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 22.14% (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
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • 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: 22.14% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Credit Recommended: Poor
  • Late Payment Fee: Up to $38
  • Cash Advance APR: 22.14% (variable)
  • Penalty APR: None

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 22.14% (variable)
Annual Fee 35.00
Credit Recommended Poor
Cash Advance APR 22.14% (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
Hide Details
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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
Hide Details
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Merrick Bank Secured Credit Card

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 22.20% 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: 22.20% Variable
  • Annual Fee: $36 for first year. Billed $3 per month thereafter
  • Credit Line: $200-$3,000, depending on deposit amount
  • Cash Advance APR: 27.20% 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 22.20% Variable
Annual Fee $36 for first year. Billed $3 per month thereafter
Credit Recommended See website for Details*
Cash Advance APR 27.20% 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
Hide Details
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First Progress Platinum Select

No minimum credit history or credit score required.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $39.00

Credit Recommended Poor/Limited/No Credit

Regular Purchase APR 18.74% (V)

Full Details Card Page

Highlights

  • Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
  • No minimum credit history or credit score required!
  • Imagine being rewarded for simply paying your bill each month.
  • Accepted wherever Mastercard® is accepted, online and worldwide!
  • Reports to all 3 major credit bureaus
  • Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!

Additional Info

  • Regular APR: 18.74% (V)
  • Annual Fee: $39
  • Credit Line: $2,000
  • Cash Advance APR: 24.74% (V)
  • Credit Recommended: Poor/Limited/No Credit
  • Rewards Rate: 1% Cash Back

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 18.74% (V)
Annual Fee $39.00
Credit Recommended Poor/Limited/No Credit
Cash Advance APR 24.74% (V)
Cash Advance Fee See Terms
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
Hide Details
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First Progress Platinum Elite 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 $29.00

Credit Recommended Poor/Limited/No Credit

Regular Purchase APR 24.74% (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.
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

Additional Info

  • Regular APR: 24.74% (V)
  • Annual Fee: $29
  • Credit Line: up to $2,000
  • Cash Advance APR: 29.74%(V)
  • Credit Recommended: Poor/Limited/No Credit

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.74% (V)
Annual Fee $29.00
Credit Recommended Poor/Limited/No Credit
Cash Advance APR 29.74% (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
Hide Details
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First Latitude Platinum Mastercard® Secured Credit Card

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $25 for the first year, after that $35 annually

Credit Recommended Poor/Limited/No Credit

Regular Purchase APR 23.99% (V)

Full Details Card Page

Highlights

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Building credit starts immediately when you open your account – just pay your bill on time to establish your credit.*
  • Reports to all 3 major credit bureaus
  • First Latitude is accepted wherever Mastercard® is accepted, online and worldwide!
  • Pay 6-months-on-time and apply to get a second credit card in your wallet!
    *Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Additional Info

  • Regular APR: 23.99% (V)
  • Annual Fee: $25 for the first year, after that $35 annually
  • Cash Advance APR: 28.99% (V)
  • Credit Line: See website for Details*
  • Credit Recommended: Poor/Limited/No Credit
  • Rewards Rate: 1% Cash Back

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 23.99% (V)
Annual Fee $25 for the first year, after that $35 annually
Credit Recommended Poor/Limited/No Credit
Cash Advance APR 28.99% (V)
Cash Advance Fee See Terms
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
Hide Details

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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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