Card Category: Secured
If your credit rating is less than ideal, a secured credit card could be the financial tool you need. While it functions just like a regular credit card, the key distinction is that you’ll be required to make a cash deposit to receive approval. This deposit acts as your collateral and credit limit, providing peace of mind for both you and the card issuer. With a wide range of secured credit card offers to choose from, you’ll have no difficulty finding one that meets your eligibility criteria, interest rates, and other important details.
APPLY NOWopensky® Secured Visa® Credit Card
No credit check required – 89% approval rate with zero credit risk to apply!
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Card Brand
Visa®
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Rewards Rate
Up to 10% cash back rewards
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Annual Fee
$35
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Monthly Fee
N/A
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Credit Recommended
No credit, Poor, Fair
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Regular Purchase APR
23.89% (variable)
- Full Details
Highlights
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
First Progress Select Secured Mastercard®
All credit types welcome to apply!
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
$39
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Monthly Fee
N/A
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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
17.49% (V)
- Full Details
Highlights
- Maximize Your Tax Refund: Open a First Progress Credit Card and Start Building Your Credit.¹
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 – with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Prestige Secured Mastercard®
All credit types welcome to apply!
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Card Brand
MasterCard
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Rewards Rate
1% Cash Back
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Annual Fee
$49
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Monthly Fee
n/a
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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
13.49% (V)
- Full Details
Highlights
- New Year, New Credit. Apply Now & Start Rebuilding Your Credit in 2026!¹
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Merrick Bank Secured Credit Card
Get your FICO® Credit Score for free each month.
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
$36 for first year. Billed $3 per month thereafter
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Monthly Fee
N/A
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Credit Recommended
See website for Details*
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Regular Purchase APR
21.95% Variable
- Full Details
Highlights
- 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!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
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