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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:
 

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

Best Card Features:

Intro APR Offer on Purchases, No Annual Fee For First Year

  • 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

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REGULAR APR

12.99% (V)

INTRO APR

0% Introductory APR for the first six months your account is open, afterward regular APR.

ANNUAL FEE

$49

Bad Credit

cdm-card

Recommended For: Bad Credit

Merrick Bank Secured Visa® from Merrick Bank

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Merrick Bank Secured Visa® from Merrick Bank

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!

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REGULAR APR

17.45% Variable

INTRO APR

N/A

ANNUAL FEE

$36 for first year. Billed $3 per month thereafter

Bad Credit

cdm-card

Recommended For: Bad Credit

First Progress Platinum Prestige Mastercard® Secured Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Progress Platinum Prestige Mastercard® Secured Credit Card

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

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REGULAR APR

9.99% (V)

INTRO APR

N/A

ANNUAL FEE

$49

Bad Credit

cdm-card

Recommended For: Bad Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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

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REGULAR APR

9.99% (Fixed)

INTRO APR

N/A

ANNUAL FEE

$48

Bad Credit

cdm-card

Recommended For: Bad Credit

First Progress Platinum Elite Mastercard® Secured Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Progress Platinum Elite Mastercard® Secured Credit Card

Best Card Features:

Low Annual Fee

  • 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

See More »

REGULAR APR

19.99% (V)

INTRO APR

N/A

ANNUAL FEE

$29

Bad Credit

cdm-card

Recommended For: Bad Credit

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LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.