Credit Cards for 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; 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 Credit300 - 639

Best Card Features: No annual fee; builds credit by reporting to major credit bureaus; initial security deposit can be as low as $200
  • 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.
  • Regular APR
    24.74%* (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • N/A
Best Card Features: No annual fee; reports to major credit bureaus; access to higher credit line after making first 5 monthly payments on time
  • 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
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Bad Credit300 - 639

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 Credit300 - 639

Best Card Features: Reports to consumer reporting agencies; no fees for making payments
  • 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.
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No late fees or interest charges; NetSpend Mobile App to manage account, and get text message or email alerts
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No Overdraft Fees on Card purchases.
  • No late fees or interest charges because this is not a credit card.
  • Regular APR
    See website for Details*
  • Intro APR
    See website for Details*
  • Annual Fee
    See website for Details*
  • cdm-card

    Bad Credit300 - 639

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
    10.74% (V)
  • Intro APR
    N/A
  • Annual Fee
    $49
  • cdm-card

    Bad Credit300 - 639

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 Credit300 - 639

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 Credit300 - 639

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
    20.74% (V)
  • Intro APR
    N/A
  • Annual Fee
    $29
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No late fees or interest rates; move money from your PayPal account in realtime
  • Move money from your PayPal account in real time.
  • 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.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard
    is accepted.
  • Regular APR
    See website for Details*
  • Intro APR
    See website for Details*
  • Annual Fee
    See website for Details*
  • cdm-card

    Bad Credit300 - 639

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