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Secured Credit Cards

Building credit takes time. Start with a secured card, use it wisely, and you're on your way up. Compare these deals, some of which are from our partners, to find the one for you.

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on Discover's secure website

Great for: Rewards on a Secured Card

Securely with Discover

  • 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 from $200-$2500 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
  • We automatically match all the cash back you’ve earned at the end of your first year.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • View Rates and Fees

See additional details at Discover's website

See card details

  • 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.
See card details

Annual Fee

$0

Minimum Deposit

$200

Ongoing APR

25.24% Variable APR

Recommended Credit Score

300 - 629

Poor - Poor
See NerdWallet's pros & cons

VIEW RATES AND FEES

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on Capital One's secure website

Securely with Capital One

  • 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, determined based on your creditworthiness
  • 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 additional details at Capital One's website

See card details

  • 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
See card details

Annual Fee

$0

Minimum Deposit

$49

Ongoing APR

26.99% Variable APR

Recommended Credit Score

300 - 629

Poor - Poor
See NerdWallet's pros & cons
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on Capital Bank's secure website

Great for: No bank account, no credit check

Securely with Capital Bank

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card.  Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.

See additional details at Capital Bank's website

See card details

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card.  Choose it yourself, from as low as $200.
See card details

Annual Fee

$35

Minimum Deposit

$200

Ongoing APR

19.39% Variable APR

Recommended Credit Score

300 - 689

Poor - Average
See NerdWallet's pros & cons
[object Object] card art
Apply Now

on Digital Federal Credit Union's secure website

Securely with Digital Federal Credit Union

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
  • No Annual Fee*
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Works with Apple Pay®, Google Pay™, and Samsung Pay
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection On Your DCU Checking
  • Buy online easily and safely with Visa Checkout
  • Embedded EMV chip to protect your card information

See additional details at Digital Federal Credit Union's website

See card details

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
See card details

Annual Fee

$0

Minimum Deposit

$0

Ongoing APR

13.75%, Variable

Recommended Credit Score

300 - 850

Poor - Excellent
See NerdWallet's pros & cons
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on One United Bank's secure website

  • No Minimum Credit Score required; low interest rate of 17.99%
  • Apply online in less than 5 minutes, and you could be approved today!
  • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Build your credit with monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • Good for car rental, hotels; anywhere credit cards are accepted!
  • *See the UNITY Visa Secured Credit Card Cardholder Agreement for more details.

See additional details at One United Bank's website

See card details

  • No Minimum Credit Score required; low interest rate of 17.99%
  • Apply online in less than 5 minutes, and you could be approved today!
See card details

Annual Fee

$39

Minimum Deposit

$0

Ongoing APR

17.99% (Fixed)

Recommended Credit Score

300 - 689

Poor - Average
See NerdWallet's pros & cons
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on US Bank's secure website

Securely with US Bank

  • 5,000 SKYPASS bonus miles after your first purchase
  • 1,000 Bonus miles at renewal.
  • Earn 1 mile for every $1 you spend in eligible net purchases (purchases minus credits and returns).
  • $250,000 in Travel Accident Insurance.
  • View Rates and Fees

See additional details at US Bank's website

See card details

  • 5,000 SKYPASS bonus miles after your first purchase
  • 1,000 Bonus miles at renewal.
See card details

Annual Fee

$50

Minimum Deposit

$300

Ongoing APR

18.24% Variable

Recommended Credit Score

300 - 850

Poor - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

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on Green Dot primor's secure website

  • 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

See additional details at Green Dot primor's website

See card details

  • 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!
See card details

Annual Fee

$39

Minimum Deposit

$200

Ongoing APR

13.99%

Recommended Credit Score

300 - 850

Poor - Excellent
See NerdWallet's pros & cons
[object Object] card art
Apply Now

on Green Dot primor's secure website

  • 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

See additional details at Green Dot primor's website

See card details

  • 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!
See card details

Annual Fee

$49

Minimum Deposit

$200

Ongoing APR

9.99%

Recommended Credit Score

300 - 850

Poor - Excellent
See NerdWallet's pros & cons

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