Secured credit cards are great for people with no credit or damaged credit to rebuild their credit history. Since secured cards will report to three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores.

Best Secured Cards

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OpenSky^® Plus Secured Visa^® Credit Card

No annual fee - keep more money in your pocket!
No credit check required - 89% approval rate with zero credit risk to apply!
Earn up to 10% cash back on everyday purchases
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 as little as $300 - Secure your line with a refundable security 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!

Intro APR: N/A

Intro APR Period: N/A

Annual Fee: $0

Credit Needed: No credit, Poor, Fair

Alternative Secured Credit Cards

If you are interested in OpenSky Plus Secured Visa Credit Card, you may also consider a few other credit cards with similar benefits.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
OpenSky^® Secured Visa^® Credit Card Hide Benefits Show Benefits	24.64% (Variable) APR	N/A	$35	No Credit, Poor, FairApply Now View Card Details
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!
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	22.70% Variable APR	N/A	$36 for first year. Billed $3 per month thereafter	See Website For Details*Apply Now View Card Details
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.
First Progress Platinum Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	18.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
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 Platinum Prestige Mastercard^® Secured Credit Card Hide Benefits Show Benefits	14.24% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
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.

OpenSky® Secured Visa® Credit Card

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Earn up to 10% cash back on everyday purchases
No credit check required - 89% approval rate with zero credit risk to apply!

Merrick Bank Secured Credit Card

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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.

First Progress Platinum Select Mastercard® Secured Credit Card

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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!

First Progress Platinum Prestige Mastercard® Secured Credit Card

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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.