Top Secured Credit 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; initial security deposit can be as low as $200
  • Good credit or bank account not required
  • Your application will not impact your credit score
  • Initial security deposit can be as low as $200
  • Regular APR
    19.99% (F)
  • Intro APR
    N/A
  • Annual Fee
    $39
  • cdm-card

    Bad Credit

Best Card Features: Unsecured credit line increases
  • 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!
  • Regular APR
    17.45% Variable
  • Intro APR
    N/A
  • Annual Fee
    $36 for first year. Billed $3 per month thereafter
  • cdm-card

    Bad Credit

Best Card Features: Builds credit by reporting to all 3 major credit bureaus; low fixed 9.99% interest rate; no penalty rate
  • 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
  • Regular APR
    9.99%
  • Intro APR
    N/A
  • Annual Fee
    $49
  • cdm-card

    Bad Credit

Best Card Features: Reports to all 3 major credit bureaus; no credit history or minimum score required for approval
  • 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
  • Regular APR
    9.99% (V)
  • Intro APR
    N/A
  • Annual Fee
    $49
  • cdm-card

    Bad Credit

Best Card Features: Builds credit by reporting to all 3 major credit bureaus; fixed 13.99% interest rate; no penalty rate
  • 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
  • Regular APR
    13.99% (Fixed)
  • Intro APR
    N/A
  • Annual Fee
    $39
  • cdm-card

    Bad Credit

Best Card Features: Low 9.99% fixed APR; no credit check or minimum credit score needed; reports to all 3 national credit bureaus
  • 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
  • Regular APR
    9.99% (Fixed)
  • Intro APR
    N/A
  • Annual Fee
    $48
  • cdm-card

    Bad Credit

Best Card Features: Low Annual Fee
  • 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
  • Regular APR
    19.99% (V)
  • Intro APR
    N/A
  • Annual Fee
    $29
  • cdm-card

    Bad Credit

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