Best Secured Credit Card Offers of 2025

What is a secured credit card? A credit card offer that requires a security deposit paid upfront. We provide the best secured credit card offers (secured Visa and secured Mastercard credit card offers) for people with bad credit, limited or no credit history. These cards are a good option at difficult times (like coronavirus pandemic) when issuers restrict their approval requirements, and it becomes even more difficult to get approved for a credit card. Since secured cards require a refundable security deposit (see issuer website for full details), which acts as collateral and protects the issuer, it is much easier to qualify for a secured credit card than for an unsecured account. Plus, some secured cards come with no credit check or low fixed APRs.

February 2025: TOP SECURED CREDIT CARD

4
Card Overall Rating
Fair/Bad/No Credit
Regular APR
0%
Annual Fee
$0
Credit Check
No
Credit Bureaus Reporting
Yes
  • To apply for Credit Builder, you must have an active Chime® Checking Account.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.

More Secured Credit Card Offers

4
Card Overall Rating
Poor/Limited/No Credit
  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today!1
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
  • All credit types welcome to apply!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APR
14.24% (V)
Annual Fee
$49
Credit Check
No
Credit Bureaus Reporting
Yes
5
Card Overall Rating
  • Excellent option for a low fully refundable security deposit, get started with just $100
  • Earn up to 10% cash back on everyday purchases
  • Minimum payment as low as $10
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
Regular APR
28.99% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Check
No
Credit Bureaus Reporting
No
4
Card Overall Rating
Poor/Limited/No Credit
  • Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
  • Secure your credit line with your refundable security deposit – choose from $200 - $2,000. With the ability to increase up to $5,000 over time!
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Designed to push you forward on your credit building journey with $0 Annual Fee.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
  • All credit types welcome to apply!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Regular APR
28.24% (V)
Annual Fee
$0.00
Credit Check
No
Credit Bureaus Reporting
Yes

The Merrick Bank offers are not available in Wisconsin.

3
Card Overall Rating
See website for Details*
  • 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.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

The Merrick Bank offers are not available in Wisconsin.

Regular APR
22.70% Variable
Annual Fee
$36 for first year. Billed $3 per month thereafter
Credit Check
Yes
Credit Bureaus Reporting
Yes
5
Card Overall Rating
  • New feature! Earn up to 10% cash back on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Regular APR
28.99% (variable)
Annual Fee
$0
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • Apply Now: Intro No Annual Fee with the Self Card^
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
  • *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change. The secured Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., each Member FDIC.
  • ^$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.
Regular APR
28.24% (Variable)
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • Credit for everyone - Regardless of your credit history!
  • Get paid up to 2 days faster - Using Direct Deposit.
  • Build credit not debt.
  • Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
  • View Product Disclosures
Regular APR
0.00%
Annual Fee
$0
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Poor/Limited/No Credit
  • Choose our First Latitude Elite Card for a lower annual APR!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
  • No minimum credit score required for approval!
  • Secure your credit line with a refundable security deposit - as low as $200 to get started!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Regular APR
24.24% (V)
Annual Fee
$29.00
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Regular APR
24.64% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureaus Reporting
Yes
4
Card Overall Rating
Poor/Limited/No Credit
  • Get a First Progress Select Card and Earn 1% Cash Back Rewards!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APR
18.24% (V)
Annual Fee
$39
Credit Check
No
Credit Bureaus Reporting
Yes

Secured Credit Offers

View the best secured credit card offers from the top credit card companies. Find secured credit cards for individuals, businesses, students, or anyone with limited credit history.

No matter who you are, you can apply online for any credit card from the best secured credit card offers. Compare the new credit card offers right now and apply online! Build your credit history with a secured credit card that reports payments to the major consumer reporting agencies (credit bureaus).

Among the great choice of online credit card offers, you're sure to find the best secured credit card that may help you improve your credit history or build credit. Despite requiring a security deposit, secured cards may come with 0% intro APR, no credit check, low annual fees or low ongoing interest rates. Simply make all monthly payments on-time with all of your creditors and maintain your account balances low to start building good credit.

Here you can compare the best secured credit card offers and fill out the online credit card application for the secured credit card you like. Review secured credit cards to find the one that works best for your particular financial picture: whether it's a low APR secured card or a card with no credit check.

Searching the best secured credit card offers, consider offers (secured Visa or secured Mastercard) with a low annual fee and helpful built-in features provided. We provide you with online tools to compare secured credit card offers and sort out the best secured credit cards meeting your individual preferences and spending habits. Here you can review the best secured credit card offers and apply online for a credit card.

GET YOUR OFFER MATCH
Get matched to suitable credit offers!
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
Debit Card
Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
A secured card may be a great option though for getting a credit card and rebuilding your credit as secured cards are usually reported to the credit bureaus – Experian, TransUnion or Equifax. The credit limit on a secured credit card is...
Secured cards require an upfront security deposit to be paid. The credit limit on a secured credit card will be equal to the deposit you pay. The deposit is usually fully refundable. The issuers of secured credit cards can report them to credit...
Prepaid cards do not help your credit because the activity on the card is not reported to the credit bureaus. But secured cards are a good option if you want to improve your credit history. The issuers of secured credit cards report the credit...
Have a Question About Credit Cards?

User Comments about Secured Credit Cards