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If you have bad or limited credit, you need to start rebuilding it now. Secured credit cards offer a way for improving your credit over time. The best secured credit card options require a down payment as collateral, report to the 3 major credit bureaus monthly, and provide the same level of customer service you’d expect with unsecured credit cards.
Most secured credit cards come with an annual fee, so look for one that’s the lowest. Additionally, your spending limit will be your deposit (and perhaps some percentage above that). Setting your limit to a modest amount will increase the chances you’ll pay off the balance each month (skipping those pesky interest fees).
Remember, the key to building your credit with a secured credit card is paying off the balance on-time each month. The best secured credit card, when used responsibly for 12 months, will help improve your credit enough to start getting unsecured credit offers.
The best secured credit card is ideal for consumers with bad or no credit. Commonly, the best secured credit card helps establish or rebuild credit with each on-time payment. The best secured credit card offers fast and easy approval. Compare the best secured credit card options below, and apply for the one that meets your needs.
Compare Secured Credit Cards
First Progress Secured Platinum MasterCard® Credit Card
Credit Card Features
- Full-feature Platinum MasterCard secured credit card
- No credit history or minimum credit score required for approval
- Monthly reporting to all 3 major credit bureaus to establish more credit history
- Quick & complete online application
- Secured by your deposit of $300 - $2,000
- 24/7 access to your account online
- Deposit held at FDIC-insured bank
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | 14.99% | $39 | Poor - Bad - None |
Applied Platinum Zero® Secured Visa® Credit Card from Applied Bank®
Credit Card Features
- ZERO - 0% FIXED APR on Purchases - No Intro Rates!
- ZERO - 0% Rate Won’t Change - Even If You’re Late!
- ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
- ZERO Application Fees
- ZERO Worries - FREE Personal ID Theft Protection
- ZERO Delays - Timely CREDIT Bureau Reporting
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | 0% | N/a | Excellent - Good |
Applied Bank® Secured Visa® Gold Credit Card
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | 9.99% | $50 | Poor - Bad - None |
By clicking on any secured credit card application link, you will be directed to that credit card issuer’s website. Their website contains a full listing of the terms and conditions that govern their secured credit cards. It is important to review these terms and conditions, because while every attempt is made to present complete and accurate information here, the claims made on this page are for promotional purposes only. Any and all details, rules, and offers listed on the issuer’s website supersede claims made here.
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