Secured credit cards

We recommend these cards from our partners.
CK Editors’ Tips††: Not everyone is willing to pay a security deposit just for access to credit, but that doesn’t mean secured cards are less desirable than unsecured cards when you need to build credit. If you can afford to put down the deposit, these cards can help you work your way up to cards with more features.
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What to consider when choosing a secured credit card
Secured cards come with drawbacks, but they can also provide valuable features that you might not be able to find from unsecured credit cards for bad credit. When searching for a secured card, first try to focus on options with a minimum security deposit you can afford. We also recommend you look for cards that offer benefits for on-time payments, like the opportunity to raise your credit or to graduate to an unsecured card. The key is to turn your security deposit into an opportunity, not just a requirement for access to credit.
How we picked the best secured credit cards
We chose the best secured credit cards with an eye toward both attainability and usefulness. Because these cards require you to put down a meaningful security deposit, we focused on options that either offered a low minimum deposit (to make it easier to open the card) or a high maximum deposit (to allow you to build credit faster). We also selected cards that feature some sort of bonus in addition to just access to credit. Read more about our methodology for picking the best credit cards.
Jump to editors’ picks

Citi® Secured Mastercard®

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    25.49% Variable
  • Annual fee

    $0
Min. deposit

$200 Refundable

Regular purchase APR

25.49% Variable

Annual fee

$0

Great for building credit††
Great for building credit††

OpenSky® Secured Credit Visa® Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    18.89%*
    Variable
  • Annual fee

    $35
Min. deposit

$200 Refundable

Regular purchase APR

18.89%* Variable

Annual fee

$35

Great for building credit from scratch††
Great for building credit from scratch††

First Progress Platinum Select MasterCard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    16.99%*
    Variable
  • Annual fee

    $39
Min. deposit

$200 Refundable

Regular purchase APR

16.99%* Variable

Annual fee

$39

Capital One Platinum Secured Credit Card

  • Min. deposit

    $49, $99 or $200
    Refundable
  • Regular purchase APR

    26.99% (Variable)
  • Annual fee

    $0
Min. deposit

$49, $99 or $200 Refundable

Regular purchase APR

26.99% (Variable)

Annual fee

$0

Great for establishing a credit history††
Great for establishing a credit history††

First Progress Platinum Elite MasterCard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    22.99%*
    Variable
  • Annual fee

    $29
Min. deposit

$200 Refundable

Regular purchase APR

22.99%* Variable

Annual fee

$29

Great for building credit from scratch††
Great for building credit from scratch††

First Progress Platinum Prestige MasterCard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    12.99%*
    Variable
  • Annual fee

    $49
Min. deposit

$200 Refundable

Regular purchase APR

12.99%* Variable

Annual fee

$49

Great for building credit††
Great for building credit††

Merrick Bank Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    19.70%*
    Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Min. deposit

$200 Refundable

Regular purchase APR

19.70%* Variable

Annual fee

$36 the first year. Billed $3 per month thereafter

Capital One Quicksilver Secured Cash Rewards Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    26.99% (Variable)
  • Annual fee

    None
Min. deposit

$200 Refundable

Regular purchase APR

26.99% (Variable)

Annual fee

None

Discover it® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    25.24% Variable
  • Annual fee

    $0
Min. deposit

$200 Refundable

Regular purchase APR

25.24% Variable

Annual fee

$0

Merrick Bank Double Your Line® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    19.70%*
    Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Min. deposit

$200 Refundable

Regular purchase APR

19.70%* Variable

Annual fee

$36 the first year. Billed $3 per month thereafter

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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.