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Start rebuilding with one of these credit cards for people with bad credit, some of which are from our partners. These cards require a cash security deposit, which will usually be equal to your credit line. You might also want to check out NerdWallet's Best Credit Cards for Bad Credit.

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Discover it® Secured

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

24.49% Variable APR

Intro APR

10.99% on Balance Transfers for 6 months

Minimum Deposit

200.00

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Offers rewards and a sign-up bonus
  • Chance to upgrade to unsecured account after 8 months

Cons

  • Requires minimum deposit of $200
  • Discover cards not widely accepted outside the U.S.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • View Rates and Fees
Capital One Secured Mastercard Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

26.99% Variable APR

Intro APR

N/A

Minimum Deposit

$49, $99 or $200

Pros

  • Qualify with limited / bad credit
  • No annual fee
  • No foreign transaction fee

Cons

  • No rewards
  • High APR
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • 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 if you qualify for a better offer with Capital One:

Berkshire Bank primor® Secured Visa Classic Credit Card

on Green Dot's website

Annual Fee

$39

Regular APR

13.99%

Intro APR

N/A

Minimum Deposit

$200

Pros

  • Qualify with limited / bad credit
  • No Credit Check required

Cons

  • Has annual fee
  • No rewards
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details
Berkshire Bank primor® Secured Visa Gold Card Credit Card

on Green Dot's website

Annual Fee

$49

Regular APR

9.99%

Intro APR

N/A

Minimum Deposit

$200

Pros

  • Qualify with limited / bad credit
  • No Credit Check required

Cons

  • Has annual fee
  • No rewards
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Gold Secured Credit Card details
US Bank Harley-Davidson Visa Secured Credit Card
Annual Fee

$0

Regular APR

15.49% - 24.49% Variable APR

Intro APR

N/A

Minimum Deposit

$300

Pros

  • Qualify with limited / bad credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • Earn one H-D™ Genuine Rewards point for every $1 in net purchases
  • Redeem 2,500 points for a $25 H-D™ Gift Card
  • Every purchase on your card earns you an entry for a chance to win a motorcycle in our H-D™ Visa Free Ride Sweepstakes
  • No Annual Fee
  • Zero Fraud Liability
  • Fraud Protection
  • Auto Rental Collision Damage Waiver
  • Online Banking
  • Automatic Bill Pay
  • View Rates and Fees
Bremer Bank Secured Credit Card
Annual Fee

$35

Regular APR

23.24% Variable

Intro APR

N/A

Minimum Deposit

$300

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR
  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card
  • Simply open a secured savings account that is pledged as security for your credit card account.
  • Merchants and retailers won t know your card is secured when you use it to make purchases
  • Receive up to a $5,000 credit limit
  • $35 Annual Fee
Bank of the Sierra Secured Visa® Card
Annual Fee

$35

Regular APR

23.24% Variable

Intro APR

N/A

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR
  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • Simply open a secured savings account that is pledged as security for your credit card account.
  • Merchants and retailers won't know your card is secured when you use it to make purchases.
First Hawaiian Bank Heritage Mastercard®
Annual Fee

$0

Regular APR

18.00% Variable

Intro APR

Purchase: 2.99% for 8 mos

Pros

  • Qualify with limited / bad credit
  • No annual fee
  • 2.99% for 8 mos on transfers

Cons

  • No rewards
  • The Heritage Credit Card is a no frills credit card great for those just getting started with credit or those looking to consolidate higher interest rate balances.
  • The Heritage Card allows you to save money with a low introductory rate.
  • Transfer your higher rate balances to save money and simplify your finances.
Green Dot Visa® Secured Credit Card

on Green Dot's website

on Green Dot's website

Annual Fee

$39

Regular APR

19.99%

Intro APR

N/A

Minimum Deposit

$200

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR
  • Good credit or bank account not required
  • Your application will not impact your credit score
  • Initial security deposit can be as low as $200
  • Raise your credit score with responsible card use
  • See additional Green Dot Visa® Secured Credit Card details
Bank of Oklahoma Secured Visa® Credit Card
Annual Fee

$35

Regular APR

23.24% Variable

Intro APR

N/A

Minimum Deposit

$300

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR
  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.
  • Receive up to a $5,000 credit limit.