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 NOWPREMIER Bankcard® Secured Credit Card
There’s no checking account required
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
See Provider Website
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Credit Recommended
Bad/Limited/No Credit
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Regular Purchase APR
See Provider Website
- Full Details
Highlights
- There’s no checking account required.
- When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
- After six months of responsible secured card use you may be eligible* to apply for an unsecured PREMIER Bankcard Mastercard®.
- *PREMIER Bankcard Mastercard® available upon invitation after you’ve been with PREMIER for six months and have kept your account in good standing (on-time payments and staying within credit limit).
- If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
- ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
First Latitude Platinum Mastercard® Secured Credit Card
Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined
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Card Brand
MasterCard®
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Rewards Rate
1% Cash Back on payments
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Annual Fee
$25.00 for the first year, after that $35.00 annually*
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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
24.49% (V)
- Full Details
Highlights
- 1% Cash Back Rewards on payments
- Choose your own fully-refundable credit line – $100 to $2000 – based on your security deposit
- Build your credit score.¹ Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 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.
- *See Important Disclosures for complete offer details
First Progress Platinum Prestige Mastercard® Secured Credit Card
No minimum credit history or credit score required!
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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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Credit Recommended
Poor/Limited/No Credit
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Regular Purchase APR
18.74% (V)
- Full Details
Highlights
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
- Accepted wherever Mastercard® is accepted, online and worldwide!
- Reports to all 3 major credit bureaus
- Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Absolutely No Credit Check or Minimum Credit Score Required
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$48
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Credit Recommended
Poor to Good
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Regular Purchase APR
9.99% Fixed
- Full Details
Highlights
- 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
- 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit – Maximum $1,000.
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
PayPal Prepaid Mastercard®
With Direct Deposit, you can get paid faster than a paper check
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
Variable Monthly Fee
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Credit Recommended
Any Credit Welcome
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Regular Purchase APR
0.00%
- Full Details
Highlights
- Move money from your PayPal Account.
- Take advantage of PayPal Payback 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.
- Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
OpenSky® Secured Visa® Credit Card
No credit check to apply and find out instantly if you are approved
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$35
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Credit Recommended
Poor
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Regular Purchase APR
22.64% (variable)
- Full Details
Highlights
- No credit check to apply and find out instantly if you are approved
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- *View the cardholder agreement
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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Credit Recommended
See website for Details*
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Regular Purchase APR
22.70% 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.