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Secured Cards

These secured credit cards require some form of "security deposit" to be issued a card. They are a great building block for those with bad or no credit, and many report to the major credit bureaus.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    22.99%* (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Limited/No Credit
Best Card Features:
  • Designed to help you build credit with responsible use
  • Good credit or bank account is not required
  • Get pre-qualified in seconds
  • pre-qualifying will not impact your credit score
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    19.99%
  • Intro Rate :
    N/A
  • Annual Fee:
    $39
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.99%
  • Intro Rate :
    N/A
  • Annual Fee:
    $49
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.99% (Fixed)
  • Intro Rate :
    N/A
  • Annual Fee:
    $48
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • 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.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.89% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $35
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit