Best Secured Credit Cards of January 2019

NerdWallet

Last updated on January 13, 2019

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Our pick for

Low deposit

Capital One Secured Mastercard Credit Card

on Capital One's secure website

on Capital One's secure website

Annual Fee

$0

Regular APR

26.99% Variable APR

Intro APR

N/A

recommended credit score

Our pick for

Rewards and upgrading

Discover it Secured Credit Card

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

Rates & Fees

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

Rates & Fees
Annual Fee

$0

Regular APR

25.24% Variable APR

Intro APR

10.99% on Balance Transfers for 6 months

recommended credit score

Our pick for

No credit check or no bank account

Capital Bank Open Sky Secured Credit Card

on Capital Bank's secure website

on Capital Bank's secure website

Annual Fee

$35

Regular APR

19.39% Variable APR

Intro APR

N/A

recommended credit score

Our pick for

Low fees and interest

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

on Digital Federal Credit Union's secure website

on Digital Federal Credit Union's secure website

Annual Fee

$0

Regular APR

13.75%, Variable

Intro APR

N/A

recommended credit score

Our pick for

Basic card for thin credit

Citibank Citi® Secured Mastercard® Credit Card

on Citibank's secure application

on Citibank's secure application

Annual Fee

$0

Regular APR

24.74% Variable APR

Intro APR

N/A

recommended credit score

Our pick for

Adjustable credit limit

Armed Forces Bank Credit Builder Secured Visa®

on Armed Forces Bank's secure website

on Armed Forces Bank's secure website

Annual Fee

$25

Regular APR

22.74% Variable APR

Intro APR

N/A

recommended credit score

Our pick for

Lowest interest rate

Berkshire Bank primor® Secured Visa Gold Card Credit Card

on Green Dot primor's secure website

on Green Dot primor's secure website

Annual Fee

$49

Regular APR

9.99%

Intro APR

N/A

recommended credit score

Our pick for

Bikers ... or anyone seeking a $0 fee

US Bank Harley-Davidson Visa Secured Credit Card

on US Bank's secure website

Rates & Fees

on US Bank's secure website

Rates & Fees
Annual Fee

$0

Regular APR

24.99% Variable

Intro APR

N/A

recommended credit score

Summary of Best Secured Credit Cards of January 2019

Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
Capital One Secured Mastercard Credit Card

Capital One® Secured Mastercard®

on Capital One's secure website

Low deposit

N/A

26.99% Variable APR

$0

on Capital One's secure website

Discover it Secured Credit Card

Discover it® Secured

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

Rewards and upgrading

10.99% on Balance Transfers for 6 months

25.24% Variable APR

$0

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

Capital Bank Open Sky Secured Credit Card

OpenSky® Secured Visa® Credit Card

on Capital Bank's secure website

No credit check or no bank account

N/A

19.39% Variable APR

$35

on Capital Bank's secure website

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

DCU Visa® Platinum Secured Credit Card

on Digital Federal Credit Union's secure website

Low fees and interest

N/A

13.75%, Variable

$0

on Digital Federal Credit Union's secure website

Citibank Citi® Secured Mastercard® Credit Card

Citi® Secured Mastercard®

on Citibank's secure application

Basic card for thin credit

N/A

24.74% Variable APR

$0

on Citibank's secure application

Armed Forces Bank Credit Builder Secured Visa®

Credit Builder Secured Visa® Credit Card

on Armed Forces Bank's secure website

Adjustable credit limit

N/A

22.74% Variable APR

$25

on Armed Forces Bank's secure website

Berkshire Bank primor® Secured Visa Gold Card Credit Card

Green Dot primor® Visa® Gold Secured Credit Card

on Green Dot primor's secure website

Lowest interest rate

N/A

9.99%

$49

on Green Dot primor's secure website

US Bank Harley-Davidson Visa Secured Credit Card

US Bank Harley-Davidson Visa Secured

on US Bank's secure website

Bikers ... or anyone seeking a $0 fee

N/A

24.99% Variable

$0

on US Bank's secure website

Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
Capital One Secured Mastercard Credit Card

Capital One® Secured Mastercard®

on Capital One's secure website

Low deposit

N/A

26.99% Variable APR

$0

on Capital One's secure website

Discover it Secured Credit Card

Discover it® Secured

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

Rewards and upgrading

10.99% on Balance Transfers for 6 months

25.24% Variable APR

$0

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

Capital Bank Open Sky Secured Credit Card

OpenSky® Secured Visa® Credit Card

on Capital Bank's secure website

No credit check or no bank account

N/A

19.39% Variable APR

$35

on Capital Bank's secure website

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

DCU Visa® Platinum Secured Credit Card

on Digital Federal Credit Union's secure website

Low fees and interest

N/A

13.75%, Variable

$0

on Digital Federal Credit Union's secure website

Citibank Citi® Secured Mastercard® Credit Card

Citi® Secured Mastercard®

on Citibank's secure application

Basic card for thin credit

N/A

24.74% Variable APR

$0

on Citibank's secure application

Armed Forces Bank Credit Builder Secured Visa®

Credit Builder Secured Visa® Credit Card

on Armed Forces Bank's secure website

Adjustable credit limit

N/A

22.74% Variable APR

$25

on Armed Forces Bank's secure website

Berkshire Bank primor® Secured Visa Gold Card Credit Card

Green Dot primor® Visa® Gold Secured Credit Card

on Green Dot primor's secure website

Lowest interest rate

N/A

9.99%

$49

on Green Dot primor's secure website

US Bank Harley-Davidson Visa Secured Credit Card

US Bank Harley-Davidson Visa Secured

on US Bank's secure website

Bikers ... or anyone seeking a $0 fee

N/A

24.99% Variable

$0

on US Bank's secure website

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

Last updated on January 13, 2019

To recap our selections...

NerdWallet's Best Secured Credit Cards of January 2019