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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.
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Showing 1 – 10 of 18
Annual Fee
$0
Regular APR
22.99% Variable APR
Intro APR
10.99% intro APR on Balance Transfers for 6 months
Minimum Deposit
$200
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return 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.
- 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 is accepted nationwide by 99% of the places that take credit cards.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
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.
Annual Fee
$0
Regular APR
26.99% Variable APR
Intro APR
N/A
Minimum Deposit
$49, $99 or $200
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- 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
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
- Easily manage your account 24/7 with online access, by phone or using our mobile app
Pros
- Qualify with limited / bad credit
- No annual fee
- No foreign transaction fee
Cons
- No rewards
- High APR
Annual Fee
$0
Regular APR
22.99%, Variable
Intro APR
N/A
Minimum Deposit
$300
- 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
Pros
- Qualify with limited / bad credit
- No annual fee
Cons
- High APR
Annual Fee
$29
Regular APR
19.99% 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
- Full-Feature Platinum Mastercard® Secured Credit Card
- 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
- You must be a resident of a US state; however, at present the program is not available in Arkansas, Iowa, New York, or Wisconsin *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
Annual Fee
$39
Regular APR
13.99% 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
- Full-Feature Platinum Mastercard® Secured Credit Card
- 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
- You must be a resident of a US state; however, at present the program is not available in Arkansas, Iowa, New York, or Wisconsin *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Annual Fee
$49
Regular APR
9.99% 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
- Full-Feature Platinum Mastercard® Secured Credit Card
- 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
- You must be a resident of a US state; however, at present the program is not available in Arkansas, Iowa, New York, or Wisconsin *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Annual Fee
$0
Regular APR
19.99% - 29.49% Variable APR
Intro APR
N/A
- $0 Annual Fee
- 2% - 10% cash back from select merchants
- $500 - $5,000 credit limits
- Variable APRs 19.99% - 29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- 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
- No security deposit
- Potential for rewards
Cons
- Certain fees apply
- Permanent minimum payment due date
Annual Fee
$39
Regular APR
20.99% Variable APR
Intro APR
N/A
- 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
Cons
- Has annual fee
- No rewards
- High APR
Annual Fee
$39
Regular APR
17.99% (Fixed)
Intro APR
9.95% on balance transfers for 6 months
Minimum Deposit
$250
- 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!
- Build your credit with monthly reporting to all 3 major credit bureaus
Pros
- Qualify with limited / bad credit
- 9.95% on balance transfers for 6 months
Cons
- Has annual fee
- No rewards
Annual Fee
$35
Regular APR
20.99% Variable
Intro APR
N/A
Minimum Deposit
$300
- Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card
- Receive up to a $5,000 credit limit
- $35 Annual Fee
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
