Best Secured Credit Card Offers of 2020

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 strict their approval requirements, and it becomes even more difficult to get approved for a credit card. Since secured cards require a refundable security deposit, 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.

September 2020: TOP SECURED CREDIT CARD

4
Card Overall Rating
Bad / No Credit
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
Credit Bureaus Reporting
Yes
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.

More Secured Credit Card Offers

3
Card Overall Rating
Poor/Limited/No Credit
  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 $200 -- $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 in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Intro APR on Purchases
N/A
Regular APR
19.99% (V)
Annual Fee
$29
Credit Check
No
4
Card Overall Rating
Poor/Limited/No Credit
  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.
Intro APR on Purchases
0% (6 months on Purchases)
Regular APR
12.99% (V)
Annual Fee
$49
Credit Check
Yes
4
Card Overall Rating
  • 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
Intro APR on Purchases
n/a
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
3
Card Overall Rating
Poor/Limited/No Credit
  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 $200 -- $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 in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Intro APR on Purchases
N/A
Regular APR
9.99% (V)
Annual Fee
$49
Credit Check
No
4
Card Overall Rating
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR on Purchases
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Check
No
3
Card Overall Rating
Poor/Limited/No Credit
  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 $200 -- $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 in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Intro APR on Purchases
N/A
Regular APR
13.99% (V)
Annual Fee
$39
Credit Check
No

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 major 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 secured cards require a security deposit, they may also 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
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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 good option if you want to improve your credit history. The issuers of secured credit cards report the credit...
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