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The Best Secured Credit Cards from Our Partners

Editors Rating: 4.5/5

Secured Credit Cards are credit cards for bad credit that require a deposit for approval. Most cards listed report to credit reporting agencies, which may potentially help you establish credit.

Credit cards have been demonized over the past few years, but a credit card is often necessary for a healthy financial life. If you are just starting out with credit or need to rebuild it after a financial failure, you should begin with a secured credit card for 2015.

What is a Secured Credit Card?

Secured Credit Card Definition:  A secured credit card is a credit card for those with limited or bad credit histories. You deposit a certain amount of money with the issuing bank, usually $300 to $500, and that becomes your line of credit. The deposit is your collateral, or security, for the credit card.

Show the bank you can handle credit

In time, you'll be able to add more to the deposit so that you can increase your credit line. If you manage your credit very responsibly, a bank may reward you with a greater credit line without asking you for a larger deposit.

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Apply online forFirst Progress Platinum Prestige Secured MasterCard
Apply Now
Credit Needed:
Bad

First Progress Platinum Prestige Secured MasterCard


Editor's Rating:4 Stars
  • 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
  • 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 $300 -- $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 though not yet available in NY, IA, AR, or WI
  • * See Card Terms.
Apply online forprimor™ Secured Visa Gold Card
Apply Now
Credit Needed:
Bad

primor Secured Visa Gold Card


Editor's Rating:5 Stars
  • Reports to all three nationwide credit bureaus.
  • Low fixed 9.99% interest rate on purchases. With no penalty Rate!
  • No processing or application fee.
Apply online forUNITY® Visa Secured Credit Card - The Comeback Card™
Apply Now
Credit Needed:
Bad

UNITY® Visa Secured Credit Card - The Comeback Card


Editor's Rating:5 Stars
  • A secured credit card to help rebuild your credit
  • Monthly reporting to all 3 major credit bureaus
  • Credit line secured by FDIC insured fully refundable deposit of $250-$10,000 submitted with application
  • Low, fixed interest rate (not variable)
  • No application fee or penalty rate
  • 24/7 online access to your account
  • Good for car rental, hotels; anywhere credit cards are accepted!
Apply online forprimor™ Secured Visa Classic Card
Apply Now
Credit Needed:
Bad

primor Secured Visa Classic Card


Editor's Rating:5 Stars
  • Reports to all three nationwide credit bureaus.
  • Low fixed 13.99% interest rate on purchases. With no penalty Rate!
  • No processing or application fee.
Apply online forOpenSky® Secured Visa® Credit Card
Apply Now
Credit Needed:
Poor/Bad/No Credit

OpenSky® Secured Visa® Credit Card


Editor's Rating:5 Stars
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • Extra credit when you need it, increase your credit line up to $5000 in your first year*
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
IndexCreditCards.com is not a lender service and does not issue credit cards, charge cards or any other credit products. IndexCreditCards.com contains links to third party websites which have paid for a link to their website. Offers are subject to change without notice and the terms displayed may not be available to all consumers. Please verify all terms and conditions and restrictions of any credit card, charge card or other credit type product prior to applying.

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