Secured Credit Cards

Secured Credit CardsSecured 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!

6 Secured Credit Cards Available. Displaying Offers 1 - 6:

First PREMIER® Bank Secured Credit Card  Editor's Choice

  • This is your chance to apply for a secured credit card from First PREMIER® Bank.
  • No credit history required to apply for this credit card
  • Reports monthly to the major Consumer Reporting Agencies
  • This is a genuine secured credit card - not a debit or prepaid card
  • Security Deposits are placed in an FDIC-insured account
  • Your credit card account is accessible by phone 24/7
  • Convenient one-time payment of your security deposit, unlike prepaid cards which must be loaded often

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms See Terms See Terms See Terms No* Bad Credit

Orchard Bank Classic MasterCards

  • An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • On-call customer service representatives to assist you with questions or concerns

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 7.90% - 28.90% See Terms* Yes All Credit Types

Centennial® Secured Credit Card

  • The secured Centennial credit card gives you the opportunity to build your credit limit over time, starting with just a $200 deposit!
  • Security deposits are held in an FDIC-insured account
  • No credit history required
  • Your account activity reports monthly to the major Consumer Reporting Agencies
  • This is a real credit card - not a prepaid or debit card
  • Pay one security deposit on this credit card, instead of repeated reloadings with prepaid cards
  • We offer second chances for a credit card

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms See Terms See Terms See Terms No* Bad Credit

Capital One® Secured Mastercard®

  • Get on the road to credit
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • You may qualify for credit line increases with no further security deposit required

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 19.8%(V) $24 Yes Limited Credit

Orchard Bank Visa Cards

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • On-call customer service representatives to assist you with questions or concerns

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 7.90% - 28.90% See Terms* Yes All Credit Types

Capital One® Secured Mastercard® for Young Adults

  • Get on the road to credit
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • You may qualify for credit line increases with no further security deposit required

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 19.8%(V) $24 Yes Limited Credit

 

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. Generally accepted wherever major credit cards are accepted, secured cards are easy to get, even if you have bad credit or no credit history. Making your payments on time will help to build a positive credit reference.

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