Secured Credit Cards
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Secured Credit Building Credit Cards
Secured credit cards are a type of credit card that requires a cash deposit as collateral. They are designed for individuals who are trying to build or rebuild their credit history. By using a secured credit card responsibly, you can establish a positive credit history and eventually qualify for unsecured credit cards with higher limits.
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With a guaranteed acceptance, this card starts reporting to your credit within a week, swiftly establishing your credit profile without the need for a credit check.
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Here are 12 secured credit building cards you can apply to right from this site:
Capital One Platinum
Rates & Fees
- Deposit — $49 – $200
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 29.99%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
Details
- * Minimum deposit could be as low as $49.00, $99.00 or $200.00 for a $200.00 credit limit.
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Capital One Quicksilver
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR — 10.99%
- Standard APR — 27.74%
- Balance Transfer — Yes*
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- You can earn unlimited 1.5% cash back on every purchase, every day.
Self Visa®
Rates & Fees
- Deposit — $100*
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee — $25
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 28.24%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- One of the lowest deposit in the industry ($100)
- Users can micro-pay their way to a deposit (as low as $25/mo)
- $25 annual fee
- Monthly credit limit increases
- No hard credit check required
- Reports to all three bureaus
- Start with a Credit Builder Account *
- Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa Credit Card.
- Your savings progress from your Credit Builder Account acts as your security deposit for your secured Credit Card.
Chime Credit Builder Visa®
Rates & Fees
- Deposit — $200*
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR —
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
Increase your credit score by an average of 30 points, with regular, on-time payments. - Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Spending Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.
Discover it®
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 27.74%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
First Latitude Platinum MasterCard®
Rates & Fees
- Deposit — $100
- Initial Fee —
- Year 1 Annual Fee — $25
- Year 2+ Annual Fee — $35
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 23.99%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Credit limit between $100 and $2,000, depending on the size of your deposit
- Reports payments to the three major credit bureaus
- 1% cash back on payments
Bank of America® Cash Rewards
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 27.74%
- Balance Transfer — Yes
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Balance transfer fee of either $10 or 5% of the amount of each transaction, whichever is greater
- Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement & furnishings
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn unlimited 1% cash back on all other purchases
- You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
OpenSky® Visa®
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee — $35
- Year 2+ Annual Fee — $35
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 22.14%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Assent Platinum MasterCard®
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee —
- Year 2+ Annual Fee —
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 28.74%
- Balance Transfer — No
- Rewards — No
- Credit Score — 300 – 600
DETAILS
First Progress Platinum Elite
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee — $29
- Year 2+ Annual Fee — $29
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 24.74%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Get a First Progress Elite Card and Earn 1% Cash Back Rewards
First Progress Platinum Select
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee — $39
- Year 2+ Annual Fee — $39
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 18.74%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 600+
DETAILS
- Get a First Progress Select Card and Earn 1% Cash Back Rewards
First Progress Platinum Prestige
Rates & Fees
- Deposit — $200
- Initial Fee —
- Year 1 Annual Fee — $49
- Year 2+ Annual Fee — $49
- Year 1 Monthly Fee —
- Year 2+ Monthly Fee —
- Introductory APR —
- Standard APR — 14.74%
- Balance Transfer — No
- Rewards — Yes
- Credit Score — 300 – 600
DETAILS
- Get a First Progress Prestige Card and Earn 1% Cash Back Rewards
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