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Secured Cards

Advertiser Disclosure
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.
 

All Cards  |  Prepaid Cards  |  Secured Cards  |  Unsecured Cards

Advertiser Disclosure
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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
  • Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance - use it anywhere Visa is accepted.
  • Quick, easy application - apply online today!
Category Rank
#2
Cards Offered
Visa
Credit Needed
Bad
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 Visa Bad Yes
  • If approved, fund your Security Deposit to open your account.  Once open, you will have the opportunity to build your credit limit up to $5,000
  • No credit history required to apply for this credit card
  • Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts
  • Previous bankruptcy OK ​​
  • Know the score!  Quarterly FICO Score is provided for free on the monthly billing statement.
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
  • Credit 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 First PREMIER® Bank product
Category Rank
#3
Cards Offered
Mastercard®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 Mastercard® Bad Credit Yes
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus  
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
Category Rank
#4
Cards Offered
Visa®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#4 Visa® Bad Credit 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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
  • Nationwide Program though not yet available in NY, IA, AR, or WI 
    * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

 

Category Rank
#5
Cards Offered
Mastercard®
Credit Needed
Bad Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#5 Mastercard® Bad Credit Yes
  • Network of lenders offering loan amounts $1,000 - $100,000
  • Rates starting as low as 3.99% APR
  • Solutions available for all credit scores
  • Funds available as soon as the next business day
  • No impact on your credit score to check your rates!