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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.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
Annual fee
$0
Regular APR
27.49% Variable APR
Intro APR
10.99% intro APR on Balance Transfers for 6 months
Minimum deposit
$200
Pros
- No annual fee
- Reports to the three major credit bureaus
- Qualify with limited/bad credit
- Earns rewards
- New cardholder bonus offer
Cons
- Requires minimum deposit
- High APR
Pros
- No annual fee
- Reports to the three major credit bureaus
- Qualify with limited/bad credit
- Earns rewards
- New cardholder bonus offer
Cons
- Requires minimum deposit
- High APR
- No credit score required to apply.
- No Annual Fee.
- Use your tax refund to fund your security deposit and start building your credit history. Your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click through to Discover’s website to see terms and conditions.
Annual fee
$0
Regular APR
27.49% Variable APR
Intro APR
10.99% intro APR on Balance Transfers for 6 months
Minimum deposit
$200
- No credit score required to apply.
- No Annual Fee.
- Use your tax refund to fund your security deposit and start building your credit history. Your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click through to Discover’s website to see terms and conditions.
Pros
- No annual fee
- Reports to the three major credit bureaus
- Qualify with limited/bad credit
- Earns rewards
- New cardholder bonus offer
Cons
- Requires minimum deposit
- High APR
on Capital One's website
on Capital One's website
Annual fee
$0
Regular APR
29.74% Variable APR
Intro APR
N/A
Minimum deposit
$49, $99 or $200
Pros
- No annual fee
- Qualify with limited/bad credit
- No foreign transaction fees
- Report to three major credit bureaus
Cons
- Requires minimum deposit
- No rewards
- High APR
Pros
- No annual fee
- Qualify with limited/bad credit
- No foreign transaction fees
- Report to three major credit bureaus
Cons
- Requires minimum deposit
- No rewards
- High APR
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Annual fee
$0
Regular APR
29.74% Variable APR
Intro APR
N/A
Minimum deposit
$49, $99 or $200
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Pros
- No annual fee
- Qualify with limited/bad credit
- No foreign transaction fees
- Report to three major credit bureaus
Cons
- Requires minimum deposit
- No rewards
- High APR
on Chime's website
on Chime's website
Annual fee
$0
Regular APR
N/A
Intro APR
N/A
Pros
- No annual fee
- No credit check
- No APR
- Adjustable credit limit
Cons
- Must open a Chime account
- No rewards
- No upgrade path
Pros
- No annual fee
- No credit check
- No APR
- Adjustable credit limit
Cons
- Must open a Chime account
- No rewards
- No upgrade path
- The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
- Increase your credit score by an average of 30 points, with regular, on-time payments.¹
- Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Spending Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.
- The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
- Increase your credit score by an average of 30 points, with regular, on-time payments.¹
- Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Spending Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.
Pros
- No annual fee
- No credit check
- No APR
- Adjustable credit limit
Cons
- Must open a Chime account
- No rewards
- No upgrade path
on Capital Bank's website
on Capital Bank's website
Annual fee
$35
Regular APR
21.89% Variable APR
Intro APR
N/A
Minimum deposit
$200
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- No rewards
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- No rewards
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
Annual fee
$35
Regular APR
21.89% Variable APR
Intro APR
N/A
Minimum deposit
$200
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- No rewards
Annual fee
$0
Regular APR
25.99% Variable APR
Intro APR
N/A
Minimum deposit
$300
Pros
- Qualify with limited / bad credit
- No annual fee
- Reports to the three major credit bureaus
Cons
- No rewards
- High APR
Pros
- Qualify with limited / bad credit
- No annual fee
- Reports to the three major credit bureaus
Cons
- 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.
Annual fee
$0
Regular APR
25.99% Variable APR
Intro APR
N/A
Minimum deposit
$300
- 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.
Pros
- Qualify with limited / bad credit
- No annual fee
- Reports to the three major credit bureaus
Cons
- No rewards
- High APR
Annual fee
$0
Regular APR
27.49%, Variable
Intro APR
N/A
Minimum deposit
$300
Pros
- No annual fee
- Qualify with limited/bad credit
Cons
- No new cardholder bonus offer
- No 0% intro APR
- Rewards have limited flexibility
- Requires minimum deposit
Pros
- No annual fee
- Qualify with limited/bad credit
Cons
- No new cardholder bonus offer
- No 0% intro APR
- Rewards have limited flexibility
- Requires minimum deposit
- Earn 1X points at H‑D, gas and EV charging stations
- Earn 1X points at restaurants, bars and lodging
- Earn 1X points everywhere else Visa is accepted
- No Annual Fee
- Build or repair credit
- H.O.G.® members earn 1 point for every mile ridden
Annual fee
$0
Regular APR
27.49%, Variable
Intro APR
N/A
Minimum deposit
$300
- Earn 1X points at H‑D, gas and EV charging stations
- Earn 1X points at restaurants, bars and lodging
- Earn 1X points everywhere else Visa is accepted
- No Annual Fee
- Build or repair credit
- H.O.G.® members earn 1 point for every mile ridden
Pros
- No annual fee
- Qualify with limited/bad credit
Cons
- No new cardholder bonus offer
- No 0% intro APR
- Rewards have limited flexibility
- Requires minimum deposit
on First Progress' website
on First Progress' website
Annual fee
$39
Regular APR
18.49% Variable
Intro APR
N/A
Minimum deposit
$200
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Annual fee
$39
Regular APR
18.49% Variable
Intro APR
N/A
Minimum deposit
$200
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
on First Progress' website
on First Progress' website
Annual fee
$29
Regular APR
24.49% Variable
Intro APR
N/A
Minimum deposit
$200
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
- 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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian.
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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 $200 -- $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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Annual fee
$29
Regular APR
24.49% Variable
Intro APR
N/A
Minimum deposit
$200
- 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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian.
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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 $200 -- $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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
on First Progress' website
on First Progress' website
Annual fee
$49
Regular APR
14.49% Variable
Intro APR
N/A
Minimum deposit
$200
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- Earn 1% Cash Back Rewards on payments!
- No minimum credit history or credit score required.
- Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus.
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Annual fee
$49
Regular APR
14.49% Variable
Intro APR
N/A
Minimum deposit
$200
- Earn 1% Cash Back Rewards on payments!
- No minimum credit history or credit score required.
- Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus.
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
on Petal's website
on Petal's website
Annual fee
$0
Regular APR
24.49%-33.99% Variable APR
Intro APR
N/A
Pros
- No annual fee
- Qualify with limited/bad credit
- No foreign transaction fees
- Reports to the three major credit bureaus
Cons
- No bonus offer
- No intro APR offer
Pros
- No annual fee
- Qualify with limited/bad credit
- No foreign transaction fees
- Reports to the three major credit bureaus
Cons
- No bonus offer
- No intro APR offer
- $0 Annual Fee.
- Variable APRs range from 24.49%-33.99%.
- $300 - $5,000 credit limits.
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants.
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus.
- No deposits required.
- Card issued by WebBank, Member FDIC.
Annual fee
$0
Regular APR
24.49%-33.99% Variable APR
Intro APR
N/A
- $0 Annual Fee.
- Variable APRs range from 24.49%-33.99%.
- $300 - $5,000 credit limits.
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants.
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus.
- No deposits required.
- Card issued by WebBank, Member FDIC.
Pros
- No annual fee
- Qualify with limited/bad credit
- No foreign transaction fees
- Reports to the three major credit bureaus
Cons
- No bonus offer
- No intro APR offer
