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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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Whether you want to pay less interest or earn more rewards, the right card’s out there. Just answer a few questions and we’ll narrow the search for you.
Showing 110 of 15

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

Rates & Fees

5.0

NerdWallet rating 

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

Rates & Fees
Annual Fee

$0

Regular APR

22.99% 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
  • 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.
  • 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.
  • View Rates and Fees
NerdWallet rating 

5.0

/5

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

Annual Fee

$0

Regular APR

22.99% Variable APR

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Minimum Deposit

$200

on Capital One's website

4.9

NerdWallet rating 

on Capital One's website

Annual Fee

$0

Regular APR

26.99% 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
  • 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
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
NerdWallet rating 

4.9

/5

on Capital One's website

Annual Fee

$0

Regular APR

26.99% Variable APR

Intro APR

N/A

Minimum Deposit

$49, $99 or $200

Harley-Davidson® Visa® Secured Card

4.4

NerdWallet rating 
Annual Fee

$0

Regular APR

22.99%, Variable

Intro APR

N/A

Minimum Deposit

$300

Pros

  • Qualify with limited / bad credit
  • No annual fee

Cons

  • High APR
  • 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
NerdWallet rating 

4.4

/5

Annual Fee

$0

Regular APR

22.99%, Variable

Intro APR

N/A

Minimum Deposit

$300

on First Progress's website

4.2

NerdWallet rating 

on First Progress's website

Annual Fee

$29

Regular APR

19.99% Variable

Intro APR

N/A

Minimum Deposit

$200

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
  • 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
NerdWallet rating 

4.2

/5

on First Progress's website

Annual Fee

$29

Regular APR

19.99% Variable

Intro APR

N/A

Minimum Deposit

$200

on First Progress's website

4.2

NerdWallet rating 

on First Progress's website

Annual Fee

$39

Regular APR

13.99% Variable

Intro APR

N/A

Minimum Deposit

$200

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • 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
NerdWallet rating 

4.2

/5

on First Progress's website

Annual Fee

$39

Regular APR

13.99% Variable

Intro APR

N/A

Minimum Deposit

$200

on First Progress's website

4.1

NerdWallet rating 

on First Progress's website

Annual Fee

$49

Regular APR

9.99% Variable

Intro APR

N/A

Minimum Deposit

$200

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • 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
NerdWallet rating 

4.1

/5

on First Progress's website

Annual Fee

$49

Regular APR

9.99% Variable

Intro APR

N/A

Minimum Deposit

$200

on Petal's website

3.9

NerdWallet rating 

on Petal's website

Annual Fee

$0

Regular APR

19.99% - 29.49% Variable APR

Intro APR

N/A

Pros

  • No annual fee
  • No security deposit
  • Potential for rewards

Cons

  • Certain fees apply
  • Permanent minimum payment due date
  • $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
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
NerdWallet rating 

3.9

/5

on Petal's website

Annual Fee

$0

Regular APR

19.99% - 29.49% Variable APR

Intro APR

N/A

Credit Builder Secured Visa® Credit Card

3.9

NerdWallet rating 
Annual Fee

$35

Regular APR

20.99% Variable APR

Intro APR

N/A

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.
NerdWallet rating 

3.9

/5

Annual Fee

$35

Regular APR

20.99% Variable APR

Intro APR

N/A

UNITY Visa® Secured Credit Card

3.5

NerdWallet rating 
Annual Fee

$39

Regular APR

17.99% (Fixed)

Intro APR

9.95% on balance transfers for 6 months

Minimum Deposit

$250

Pros

  • Qualify with limited / bad credit
  • 9.95% on balance transfers for 6 months

Cons

  • Has annual fee
  • No rewards
  • 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
NerdWallet rating 

3.5

/5

Annual Fee

$39

Regular APR

17.99% (Fixed)

Intro APR

9.95% on balance transfers for 6 months

Minimum Deposit

$250

Bremer Bank Secured Visa® Credit Card

3.0

NerdWallet rating 
Annual Fee

$35

Regular APR

20.99% 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
  • Receive up to a $5,000 credit limit
  • $35 Annual Fee
NerdWallet rating 

3.0

/5

Annual Fee

$35

Regular APR

20.99% Variable

Intro APR

N/A

Minimum Deposit

$300