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SECURED CREDIT CARDS

Secured credit cards can help people with little credit history build credit and even save some from bad credit. A secured credit card works like a debit card. Once you are approved, you make a deposit into an account linked to this new credit card. The card you receive will have a Visa or MasterCard logo on it, but you will not be able to charge more than the amount you previously deposited onto the card. Over time, as you continue to make payments and stay within your credit limit, you are building credit history and improving your credit score.

Orchard Bank® Visa® Cards

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!

  • Acceptance at millions of locations including website purchases and reservations

  • Your account information is updated and at your fingertips 24/7 so you can manage it your way

  • Email and text messages are available to remind you of your upcoming payment due date with online enrollment

  • On-call customer service representatives to assist you with questions or concerns

  • Click here for official application, terms, and details

Orchard Bank Visa Cards Apply for Orchard Bank Visa Cards Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.99% - 19.99%* $0 - $59 the first year, $35 - $59 per year thereafter*

Capital One® Secured MasterCard®

  • Get the credit you need with no processing fees or application fees

  • Automatic reporting to the 3 major credit bureaus

  • Track credit with access to your credit score and other tools

  • Your refundable security deposit can get you a line up to $3000

  • You may qualify for credit line increases with no further security deposit required

  • Use it like any MasterCard credit card, accepted at millions of locations worldwide

  • Click here for official application, terms, and details

Capital One Secured MasterCard Apply for Capital One Secured MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 22.9% variable $29

Platinum Zero® Secured Visa® from Applied Bank®

  • ZERO - 0% FIXED APR on Purchases - No Intro Rates!

  • ZERO - 0% Rate Won’t Change - Even If You’re Late!

  • ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000

  • ZERO Application Fees

  • ZERO Worries - FREE Personal ID Theft Protection

  • ZERO Delays - Timely CREDIT Bureau Reporting

  • Click here for official application, terms, and details

Platinum Zero Secured Visa from Applied Bank Apply for Platinum Zero Secured Visa from Applied Bank Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 0% $9.95 monthly
Chase Sapphire Preferred

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How to ...
   Boost your credit score
   Apply for business credit cards
   Access your credit reports for free
   Choose and use credit cards
   Dispute a credit card bill
   Fight back against identity theft
What is ...
   The history of credit cards
   The meaning of credit card numbers
   The basics of credit scores
   Credit report says about you
   Truth of credit card loss protection
Credit Card Terminology
     Balance Transfer
     Cash Advance Check
     Annual Percentage Rate (APR)
     Introductory Rates
     Variable Interest Rate
     Prime Rate
     Periodic Rate
     Average Daily Balance
     Credit Limit
     Grace Period
     Minimum Monthly Payment
     Monthly Finance Charge
     Credit Score
     Pre-Approved
     Secured Credit Card
 
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