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Best Secured Credit Card Offers of 2023
September 2023: TOP SECURED CREDIT CARD
- Your next tool for building credit!
- The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
- Accounts in good standing may have opportunities to increase the credit limit over time.
- Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
- Your card can be used everywhere Visa credit cards are accepted in the U.S.
- No credit check or a hard pull.
More Secured Credit Card Offers
- There’s no checking account required.
- When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
- After six months of responsible secured card use you may be eligible§ to apply for an unsecured PREMIER Bankcard Mastercard®.
- §PREMIER Bankcard Mastercard® available upon invitation after you've been with PREMIER for six months and have kept your account in good standing (on-time payments and staying within credit limit).
- If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.§§
- §§If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
- Your next tool for building credit!
- The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
- Accounts in good standing may have opportunities to increase the credit limit over time.
- Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
- Your card can be used everywhere Visa credit cards are accepted in the U.S.
- No credit check or a hard pull.
- To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
- Chime® Checking Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
- Free credit building, no matter your credit history
- No annual fees or interest3
- No credit check to apply
- No minimum security deposit required1
- Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
- Reports to all 3 major credit bureaus
- View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders2
- The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out of network ATM withdrawal fees may apply. See here for details.
- 1% Cash Back Rewards on payments
- Choose your own fully-refundable credit line - $100 to $2000 – based on your security deposit
- Build your credit score.1 Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 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
- 1% Cash Back Rewards on payments
- Choose your own credit line - $200 to $2000 – based on your security deposit
- Build your credit score.1 Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 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.
- 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? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Get considered for an unsecured credit line increase after 6 months - no additional deposit
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- 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
- Offer 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 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- Choose your own credit line - $200 to $2000 – based on your security deposit
- Build your credit score.1 Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 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.
- 1% Cash Back Rewards on payments
- Choose your own credit line - $200 to $2000 – based on your security deposit
- Build your credit score.1 Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 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.
The Merrick Bank offers are not available in Wisconsin.
- 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.
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- 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
- 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
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
This offer is not available in West Virginia.
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000.
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
This offer is not available in West Virginia.
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.
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