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Secured Cards

Learn More About 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:
  • Good credit or bank account not required
  • Your application will not impact your credit score
  • Initial security deposit can be as low as $200
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    19.99% (F)
  • Intro APR:
    N/A
  • Annual Fee:
    $39
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    24.74%* (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    N/A
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.
  • Regular APR:
    26.99% (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    9.99%
  • Intro APR:
    N/A
  • Annual Fee:
    $49
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • 24-hour online access, set up account alerts, and schedule automatic payments!
  • No fees for making payments.
  • Set it so you don’t forget it – schedule automatic monthly payments.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    See Terms*
  • Intro APR:
    N/A
  • Annual Fee:
    See Terms*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    See website for Details*
  • Intro APR:
    See website for Details*
  • Annual Fee:
    See website for Details*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    10.74% (V)
  • Intro APR:
    N/A
  • Annual Fee:
    $49
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with
    no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or
    application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    13.99% (Fixed)
  • Intro APR:
    N/A
  • Annual Fee:
    $39
  • 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.
  • Regular APR:
    9.99% (Fixed)
  • Intro APR:
    N/A
  • Annual Fee:
    $48
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    20.74% (V)
  • Intro APR:
    N/A
  • Annual Fee:
    $29
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit
Best Card Features:
  • Move money from your PayPal account in realtime
  • Take advantage of PayPal cash back rewards and earn on qualifying purchases from select
    merchants. With Direct Deposit, you can get paid faster than a paper check.
  • No Late fees because this is not a credit card.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    See website for Details*
  • Intro APR:
    See website for Details*
  • Annual Fee:
    See website for Details*
  • Editor Rating :
  • Credit
    Recommended:
    Poor Credit