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: 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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Bad Credit

Best Card Features: No Annual Fee; Cash Back match at the end of your first year; Social Security Alerts
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Regular APR
    24.49% Variable
  • Intro APR
    10.99% on balance transfers for 6 months
  • Annual Fee
    $0
  • cdm-card

    Bad Credit

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
    23.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Good Credit

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
  • Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit – performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Regular APR
    18.95% 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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