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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.
 

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Advertiser Disclosure
1) OpenSky® Secured Visa® Credit Card
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  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
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
2) First Latitude Platinum Mastercard® Secured Credit Card
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  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 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.
  • *See Important Disclosures for complete offer details
Category Rank
#2
Cards Offered
Mastercard
Credit Needed
Poor/Limited/No Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#2 Mastercard Poor/Limited/No Credit Yes
3) First Progress Platinum Elite Mastercard® Secured Credit Card
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  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ 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.
Category Rank
#3
Cards Offered
Mastercard
Credit Needed
Poor/Limited/No Credit
Secure Site
Yes
Category Rank Cards Offered Credit Needed Secure Site [ Visit website ]
#3 Mastercard Poor/Limited/No Credit Yes
► Loans Under 36%
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  • Loans up to $35,000
  • Suitable for those with all credit ranges
  • APR varies from 4.99% up based on customer information
  • Great for consolidating debt
  • No obligation fee
  • Decision within minutes