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.
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Great for no credit check††
OpenSky® Secured Credit Visa® Card
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OpenSky® Secured Credit Visa® Card

Great for no credit check††

OpenSky® Secured Credit Visa® Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    25.64%* Variable
  • Annual fee

    $35
Intro purchase APR

N/A

Regular purchase APR

25.64%* Variable

Annual fee

$35

Great for a low purchase APR††
First Progress Platinum Select Mastercard® Secured Credit Card
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First Progress Platinum Select Mastercard® Secured Credit Card

Great for a low purchase APR††

First Progress Platinum Select Mastercard® Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    19.24%* Variable
  • Annual fee

    $39
Intro purchase APR

N/A

Regular purchase APR

19.24%* Variable

Annual fee

$39

Great for a lower security deposit††
Capital One Platinum Secured Credit Card
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Capital One Platinum Secured Credit Card

Great for a lower security deposit††

Capital One Platinum Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.99% (Variable)
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

29.99% (Variable)

Annual fee

$0

Great for prior bankruptcies††
First Progress Platinum Elite Mastercard® Secured Credit Card
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First Progress Platinum Elite Mastercard® Secured Credit Card

Great for prior bankruptcies††

First Progress Platinum Elite Mastercard® Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    25.24%* Variable
  • Annual fee

    $29
Intro purchase APR

N/A

Regular purchase APR

25.24%* Variable

Annual fee

$29

Great for a low purchase APR††
First Progress Platinum Prestige Mastercard® Secured Credit Card
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First Progress Platinum Prestige Mastercard® Secured Credit Card

Great for a low purchase APR††

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    15.24%* Variable
  • Annual fee

    $49
Intro purchase APR

N/A

Regular purchase APR

15.24%* Variable

Annual fee

$49

Great for access to credit††
Merrick Bank Secured Credit Card
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Merrick Bank Secured Credit Card

Great for access to credit††

Merrick Bank Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    22.70%* Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Intro purchase APR

N/A

Regular purchase APR

22.70%* Variable

Annual fee

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

Great for no credit check††
OpenSky® Plus Secured Visa® Credit Card
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OpenSky® Plus Secured Visa® Credit Card

Great for no credit check††

OpenSky® Plus Secured Visa® Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.99%* Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

29.99%* Variable

Annual fee

$0

Great for building credit††
Assent Platinum Mastercard® Secured Credit Card
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Assent Platinum Mastercard® Secured Credit Card

Great for building credit††

Assent Platinum Mastercard® Secured Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.24%* Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

29.24%* Variable

Annual fee

$0

Great for earning interest on your deposit††
Credit One Bank® Secured Card
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Credit One Bank® Secured Card

Great for earning interest on your deposit††

Credit One Bank® Secured Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.24%* Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

29.24%* Variable

Annual fee

$0

Great for graduating to unsecured credit††
Capital One Quicksilver Secured Cash Rewards Credit Card
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Capital One Quicksilver Secured Cash Rewards Credit Card

Great for graduating to unsecured credit††

Capital One Quicksilver Secured Cash Rewards Credit Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    29.99% (Variable)
  • Annual fee

    None
Intro purchase APR

N/A

Regular purchase APR

29.99% (Variable)

Annual fee

None

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†† The opinions you read here come from our editorial team. Intuit 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.