Secured Credit Cards

Secured credit cards are an excellent way to establish a positive credit history and are designed especially for people with no credit history, or who have current and past credit problems. Secured cards look and work like any other credit card. The only difference is that you open an FDIC insured security deposit for the credit card. Your payment history is reported to the three major consumer reporting agencies so you can begin to establish your credit. Some of the credit cards listed on this page require no credit check, and may offer guaranteed approval. Compare the secured card offers below and apply online today!

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Intro Purchase APR N/A Intro Balance Transfer APR N/A Ongoing APR 9.99% Fixed
Annual Fee $48 Balance Transfer Yes Credit Needed Poor
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Ongoing APR 9.99% Fixed
Annual Fee $48
Balance Transfer Yes
Credit Needed Poor
Apply Now Show card details


About Secured Cards

Unlike unsecured cards, secured credit cards require that you deposit money into a bank account to secure a credit line. Statements are sent to you each month for charges that you've made to the card. Your payment history is reported to the major consumer reporting agencies so you can begin to establish your credit. 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.

Secured credit cards are a terrific option for establishing or rebuilding your credit history. Secured credit cards are generally accepted wherever major credit cards are accepted. Making your payments on time will help to build a positive credit reference.

Related Blog Posts

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    Does it make sense to get a credit card that's tied to a bank account? If your credit score is in the poor range, a secured credit card can be a very good choice. Here's how a secured credit card works. You apply for a credit card with a bank and agree to open an account... READ MORE
  • Know the Difference Between Secured and Unsecured Credit Cards
    When you're shopping for a credit card, the options can be overwhelming. While there are many different types of credit cards, they generally fall under two main categories--secured and unsecured. Knowing the difference, as well as pros and cons, of both types of... READ MORE
  • The Pros and Cons of Secured Credit Cards
    Qualifying for a credit card can be tough if you have a poor credit record, but a secured credit card may be one way you can obtain one. With a secured credit card, you deposit a certain sum --  usually between $300 and $500 -- in an account with a bank or credit union... READ MORE

 

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Advertiser Disclosure: CreditcardXpo is an independent, advertising-supported comparison service. The card offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.