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Secured Cards

Advertiser Disclosure tm
The following are the top secured cards for consumers with a bad credit history. Unlike unsecured cards, these cards require that you deposit money into a bank account to secure a credit line. You are then sent a bill each month for charges that you've made to the card. Once you get upgraded to an unsecured card or otherwise cancel the account, the amount you deposited up front gets refunded back to you, less any money you might owe on the unpaid balance. In addition to offering quick and easy applications, these cards also report monthly to the major credit bureaus, ensuring that your account history gets reported to your credit profile.
 

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Advertiser Disclosure
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes
  • Extra credit when you need it, increase your credit line up to $5000 in your first year*
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
Category Rank
#1
Cards Offered
Visa®
Credit Needed
No Credit Check
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#1 Visa® No Credit Check Yes
  • 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
  • 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 $300 -- $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 though not yet available in NY, IA, AR, or WI
  • Fund your new MasterCard® secured credit card with your tax refund today!
Category Rank
#2
Cards Offered
MasterCard®
Credit Needed
Bad/No Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 MasterCard® Bad/No Credit Yes
  • Fast, easy application process
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Guaranteed Approval* As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
Category Rank
#3
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 Visa® Bad Credit Yes
  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.