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Start rebuilding with one of these secured credit cards, 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 Secured Credit Cards.

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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

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

26.74% 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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • 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:

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
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
Green Dot Visa® Secured Credit Card

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
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
Armed Forces Bank Credit Builder Secured Visa®
Annual Fee

$35

Regular APR

23.24% Variable APR

Intro APR

N/A

Minimum Deposit

$300

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR
  • Set your own credit limit between $300 and $3,000 based on the amount you deposit into your Credit Builder Savings account.
  • Custom Credit Line - Increase your credit limit by adding funds in increments of $50 or more to the savings account.
  • Accrued Interest on Savings - The money in your savings account will earn interest, adding to your savings.
  • Automatic Reporting - We'll report your performance to the three major credit bureaus to help you build a credit history.
  • Upgrades Available - You can upgrade to an unsecured card with good performance. We'll periodically review your credit activity to see if you qualify. If you do, we'll let you know.
  • Custom Payment Date - If you are a new customer, you can choose either the 1st or 16th of each month as your payment date. Once your date is set, it can't be changed.
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 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.
Bank of the West Secured Credit Card
Annual Fee

$25

Regular APR

23.24% Variable

Intro APR

N/A

Minimum Deposit

An opening deposit of $300 to $12,000 secures your card

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR
  • No credit history or minimum credit score needed to qualify
  • Credit limit is set by your deposit into an interest bearing savings account
  • An opening deposit of $300 to $12,000 secures your card
  • Build credit with on time payments, paving the way to becoming eligible for a standard credit card
  • Pay-off and close the account at any time and get your entire deposit back with interest
  • 23.24% variable APR
  • $25 annual fee