Secured Credit Cards

If you have bad credit or no credit, you’ll probably find it hard to get a credit card. That limits your options to secured credit cards or prepaid debit cards. Secured cards are your best bet for rebuilding your credit score, because they report to credit rating agencies and prove that you can use credit responsibly. Debit and prepaid cards will not help you build your credit score. You can also get an easy-to-qualify-for card like the Capital One Secured Card. Look for low fees and APRs, and build your way back up to good credit. Always make it a point to check your credit score before applying for any type of credit. Use the filters below to find the best credit cards (some of which are from our partners) for you.

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Showing 1 - 10 of 13  Results
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Credit Card Annual Fee Rewards Rate Sign Up Bonus *Annual Rewards dollarsign
US Bank LANPASS Visa Secured Credit Card

US Bank LANPASS Visa Secured

starstarstar
Show Details
$0 the first year, then $25 1.00% 10,000 LANPASS Miles Bonus - wit...question $254
Apply Now

on US Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$100$50
Rewards from spending ^$432 $216
Annual fee($25)($13)
Annual rewards
dollarsign
$507 $254
^ based on NerdWallet's estimated value of LANPASS Miles
Account Details

  • Earn 1 mile per $1 spent on purchases
  • 10% discount on LAN purchase (up to $500) 1 time per year

See complete US Bank LANPASS Visa Secured details

US Bank LifeMiles Visa Secured Credit Card

US Bank LifeMiles Visa Secured

starstarstarhalfstar
Show Details
$0 the first year, then $25 1.00% 10,000 LifeMiles Bonus - with fi...question $254
Apply Now

on US Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$100$50
Rewards from spending ^$432 $216
Annual fee($25)($13)
Annual rewards
dollarsign
$507 $254
^ based on NerdWallet's estimated value of LifeMiles
Account Details

  • Earn 1 mile per $1 spent on purchases
  • 15% Excess Baggage Redemption Discount on TACA Airlines

See complete US Bank LifeMiles Visa Secured details

US Bank AeroMexico Visa Secured Credit Card

US Bank AeroMexico Visa Secured

starstarstar
Show Details
$0 the first year, then $25 1.00% 10,000 AeroMexico Miles Bonus - ...question $254
Apply Now

on US Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$100$50
Rewards from spending ^$432 $216
Annual fee($25)($13)
Annual rewards
dollarsign
$507 $254
^ based on NerdWallet's estimated value of AeroMexico Miles
Account Details

  • Earn 1 mile per $1 spent on purchases
  • $99 Companion Ticket with renewal
  • 10% discount on airfare purchases

See complete US Bank AeroMexico Visa Secured details

US Bank Harley-Davidson Visa Secured Credit Card

US Bank Harley-Davidson Visa Secured

starstarstarhalfstar
Show Details
$0 1.00% None $216
Apply Now

on US Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
  • No annual fee
thumbsdownCons
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$0$0
Rewards from spending ^$432 $216
Annual fee($0)($0)
Annual rewards
dollarsign
$432 $216
^ based on NerdWallet's estimated value of Harley Davidson Points
Account Details

  • Earn 1 point per $1 spent on purchases
  • Credit line varies from $300 to $5000, corresponding with how much money you send in to collaterlaize your account

See complete US Bank Harley-Davidson Visa Secured details

National Bank of Commerce Secured Visa Credit Card

National Bank of Commerce Secured Visa

starstarhalfstar
Show Details
$19 0.00% None $-19
Apply Now

on National Bank of Commerce's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • No rewards
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $0 $0
Annual fee($38)($19)
Annual rewards
dollarsign
$-38 $-19
Account Details

  • No rewards offered

See complete National Bank of Commerce Secured Visa details

Wells Fargo Secured Visa Card Credit Card

Wells Fargo Secured Visa Card

starstarstarhalfstar
Show Details
$25 0.00% None $-25
Apply Now

on Wells Fargo's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • No rewards
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $0 $0
Annual fee($50)($25)
Annual rewards
dollarsign
$-50 $-25
Account Details

  • Low annual fee relative to other secured credit cards
  • $300-$10,000 credit limit, which ties to the size of your collateral deposit
  • A typical 25 day grace period

See complete Wells Fargo Secured Visa Card details

Capital One Secured MasterCard Credit Card

Capital One® Secured MasterCard®

starstarstarstarstar
Show Details
$29 0.00% You may qualify for a credit lin...question $-29
Apply Now

on Capital One's
secure website

thumbsupPros
  • Qualify with limited / bad credit
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
  • No rewards
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $0 $0
Annual fee($58)($29)
Annual rewards
dollarsign
$-58 $-29
Account Details

  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness—no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card—accepted at millions of locations worldwide

See complete Capital One® Secured MasterCard® details

First Progress Platinum Elite Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card

star
Show Details
$29 0.00% None $-29
Apply Now

on First Progress's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • No rewards
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $0 $0
Annual fee($58)($29)
Annual rewards
dollarsign
$-58 $-29
Account Details

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI

See complete First Progress Platinum Elite MasterCard® Secured Credit Card details

Capital Bank Open Sky Secured Credit Card

Open Sky® Secured Visa® Credit Card

starhalfstar
Show Details
$29 0.00% None $-29
Apply Now

on Capital Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • No rewards
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $0 $0
Annual fee($58)($29)
Annual rewards
dollarsign
$-58 $-29
Account Details

  • Build Your Credit, with monthly updates to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200
  • Apply in less than 5 minutes, NO credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month

See complete Open Sky® Secured Visa® Credit Card details

US Bank Secured Visa Credit Card

US Bank Secured Card

starstarstarhalfstar
Show Details
$35 0.00% None $-35
Apply Now

on US Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
thumbsdownCons
  • Has annual fee
  • No rewards
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $0 $0
Annual fee($70)($35)
Annual rewards
dollarsign
$-70 $-35
Account Details

  • Credit limit based on deposit, $300-$5k

See complete US Bank Secured Card details

* These values are NerdWallet's estimates and do not represent content provided by or commissioned by credit card providers.
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  1. [2013-07-02 18:37:10] - NerdWallet says: Hi Linda, If this is your first credit card, you might need to either have someone with an established credit history co-sign your card, or use a secured card to build up your history. If getting a co-signer is possible, that might be the only way to avoid having to put up a security deposit.
  2. [2013-07-02 18:36:10] - NerdWallet says: If you're still a student, I recommend trying to get a student credit card. Either way, is it possible to have a parent co-sign the credit card with you? That way, you can piggyback off their established credit history while building up your own.
  3. [2013-07-02 18:35:13] - NerdWallet says: Secured cards do help your credit, though you're right that they're meant to be a stepping stone to regular, unsecured cards. Thanks for the advice, Ruth!
  4. [2013-06-01 20:20:57] - ksdoug says: In the event you have bank accounts see what card your bank offer. Unless it has outrageous conditions that could be good place to start. Because they wan'y your deposits to remain with them most banks seem to offer Master Charge or Visa cards with no annual fee & competitive interest rate &TOS, but do your homework first for making that assumption
  5. [2013-06-01 20:12:36] - ksdoug says: LOL There is prison for debt, but there is prison for the fraud you suggest. Clearly there is no fraud for those at the top of the financial sector that committed the fraud that lead to the current wreck of the economy, the rest of us are small enough for prison. Good thing they can'y fore us into servitude or can they?
  6. [2013-06-01 19:26:34] - ksdoug says: There are secure credit cards where the issuer does report your card use activity to the credit bureaus, and they are recommend for use to help build up a positive credit record. Some offer credit limits greater than the security deposit, so one has to use them wisel by not using the estended credit & if they so pay it by the due date. Read the terms carefully as some may charge interest on your purchase from the moment they are made. Some will pay you interest on your deposit security despot, others charge you interest for borrowing your own money, if you miss the due date or if they charge interest from the time of purchase. Banks issue these cards always keep that in mind..
  7. [2013-04-01 21:02:54] - Ruth Adorno - GFS says: Secured credit cards should be used for building credit only. There is no other reason for a person to get a secured credit card. If you are using a secured credit card to build credit, ensure that you switch it to an unsecured credit card as soon as possible. I recommended using your secured card one time per month, then once the bill arrives, pay it off in full. Do this for 8 months straight and the bank will definitely switch your secured card, to be an unsecured card. Now you are on path to building credit. Secured cards will not influence lenders or impact your credit score in a positive manner, as much as an unsecured card would. Therefore get an unsecured card as soon as possible.
  8. [2013-03-12 03:58:20] - erik says: I suggest everyone max them all out. Money out of thin air didn't exist so there's nothing to pay back. Besides too big to fail too big to jail.
  9. [2012-12-09 19:48:35] - Annyise says: I am 21 with a credit score of 539 and i never had a credit card so i need help for deciding the best credit card for me
  10. [2012-11-27 21:49:00] - Linda says: I never had a credit card before so can u help me deside what kind of card that is good for me. I want a credit card that i don't have to put up any deposit frist and can pay later. My credit score is good. So tell me what kind I can get now.
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