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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 1 – 10 of 15
Annual fee
$0
Regular APR
23.74% 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, earn cash back, and build your credit with responsible use.
- Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- 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.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "Apply Now" 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
Annual fee
$0
Regular APR
26.99% 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
Annual fee
$35
Regular APR
17.64% Variable APR
Intro APR
N/A
Minimum deposit
$200
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.
- Get considered for a credit line increase after 6 months, with no additional deposit required.
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months.
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card.
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months.
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit.
- Easy application, apply in less than 5 minutes right from your mobile device.
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
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
- 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
24.49%, Variable
Intro APR
N/A
Minimum deposit
$300
- Earn 1X points at H‑D and gas 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
Annual fee
$29
Regular APR
20.74% 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.
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
Annual fee
$39
Regular APR
14.74% 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.
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Annual fee
$39*
Regular APR
18.90%
Intro APR
N/A
Minimum deposit
$200
- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit
- Reports monthly to all three major credit bureaus
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- A minimum collateral deposit of $200 is required to open this account.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Annual fee
$49
Regular APR
10.74% 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.
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
Annual fee
$0
Regular APR
20.74%-30.24% Variable APR
Intro APR
N/A
- $0 Annual Fee.
- Variable APRs range from 20.74%-30.24%.
- $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
