Secured credit cards
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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.Read more
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.
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’ picksWe 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.
Great for a low purchase APR††
Great for a low purchase APR††
First Progress Platinum Select Mastercard® Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
19.24%* VariableAnnual fee
$39
Intro purchase APR
N/A
Regular purchase APR
19.24%* Variable
Annual fee
$39
- Build, Strengthen, Or Rebuild Your Credit Starting with a $200 Deposit.¹
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Great for no credit check††
Great for no credit check††
OpenSky® Secured Credit Visa® Card
Intro purchase APR
N/ARegular purchase APR
25.64%* VariableAnnual fee
$35
Intro purchase APR
N/A
Regular purchase APR
25.64%* Variable
Annual fee
$35
- Limited Time Offer: $51 funding voucher applied for all new accounts. Get a $200 credit line for $149. Click “continue” to see additional terms and conditions.
- No credit check to apply. Zero credit risk to apply!
Great for a lower security deposit††
Great for a lower security deposit††
Capital One Platinum Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
30.74% (Variable)Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
30.74% (Variable)
Annual fee
$0
- No credit score required to apply, but may be used if available
- No annual or hidden fees. See if you're approved in seconds
Great for prior bankruptcies††
Great for prior bankruptcies††
First Progress Platinum Elite Mastercard® Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
25.24%* VariableAnnual fee
$29
Intro purchase APR
N/A
Regular purchase APR
25.24%* Variable
Annual fee
$29
- Build, Strengthen, Or Rebuild Your Credit Starting with a $200 Deposit.¹
- No Credit History or Minimum Credit Score Required for Approval
Great for a low purchase APR††
Great for a low purchase APR††
First Progress Platinum Prestige Mastercard® Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
15.24%* VariableAnnual fee
$49
Intro purchase APR
N/A
Regular purchase APR
15.24%* Variable
Annual fee
$49
- You Aren't Stuck with Bad Credit. Start Rebuilding with a First Progress Prestige Credit Card!¹
- Earn 1% Cash Back Rewards on payments made to your First Progress Prestige Secured credit card account.
Great for access to credit††
Great for access to credit††
Merrick Bank Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
22.70%* VariableAnnual 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
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
Great for graduating to unsecured credit††
Great for graduating to unsecured credit††
Capital One Quicksilver Secured Cash Rewards Credit Card
Intro purchase APR
N/ARegular purchase APR
30.74% (Variable)Annual fee
None
Intro purchase APR
N/A
Regular purchase APR
30.74% (Variable)
Annual fee
None
- No credit score required to apply, but may be used if available
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Great for building credit††
Great for building credit††
Assent Platinum Mastercard® Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
29.24%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.24%* Variable
Annual fee
$0
- Get started with a refundable deposit as low as $200 – No Credit Inquiry Required!
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App!
Great for a low security deposit††
Great for a low security deposit††
First Latitude Platinum Mastercard Secured Credit Card
Intro purchase APR
N/ARegular purchase APR
24.49%* VariableAnnual fee
$25 the first year, $35 subsequently
Intro purchase APR
N/A
Regular purchase APR
24.49%* Variable
Annual fee
$25 the first year, $35 subsequently
- Overcome Poor Credit with First Latitude. Just $100 Can Brighten Your Credit Outlook!
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account!
Credit One Bank® Secured Card
Intro purchase APR
N/ARegular purchase APR
29.24%* VariableAnnual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.24%* Variable
Annual fee
$0
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
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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.