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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First Latitude Platinum Mastercard^® Secured Credit Card

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.† 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

Intro APR: N/A

Intro APR Period: N/A

Regular APR: 24.49% (V)

Annual Fee (rates & fees): $25.00 for the first year, after that $35.00 annually*

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OpenSky^® Plus Secured Visa^® Credit Card

No annual fee
No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
Get considered for an unsecured credit line increase after 6 months - no additional deposit
Monitor your credit progress with free access to your FICO Credit Score.
Reports to all 3 major credit bureaus monthly to establish and build credit history.
Secure your credit line with a refundable security deposit - as low as $300.
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
Now you can make smaller partial payments towards funding your security deposit over 60 days
Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

Intro APR: N/A

Intro APR Period: N/A

Regular APR: 29.99% (variable)

Annual Fee: $0

Alternative Secured Credit Cards

If you are interested in First Latitude Platinum Mastercard Secured Credit Card or 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
Capital One Quicksilver Secured Cash Rewards Credit Card Hide Benefits Show Benefits	30.74% (Variable) APR rates & fees	30.74% (Variable) APR $0 at the Transfer APR	$0	Limited, Bad CreditApply Now View Card Details
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds Put down a refundable $200 security deposit to get a $200 initial credit line Building your credit? Using a card like this responsibly could help Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Monitor your credit score with CreditWise from Capital One. It's free for everyone Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
OpenSky® Secured Visa® Credit Card Hide Benefits Show Benefits	22.64% (variable) APR	N/A	$35	Poor CreditApply Now View Card Details
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
Capital One Platinum Secured Credit Card Hide Benefits Show Benefits	30.74% (Variable) APR rates & fees	30.74% (Variable) APR $0 at the Transfer APR	$0	Limited, Bad CreditApply Now View Card Details
No annual or hidden fees. See if you're approved in seconds Building your credit? Using the Capital One Platinum Secured card responsibly could help Put down a refundable security deposit starting at $49 to get a $200 initial credit line You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Monitor your credit score with CreditWise from Capital One. It's free for everyone Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
First Progress Platinum Elite Mastercard® Secured Credit Card Hide Benefits Show Benefits	25.24% (V) APR	N/A	$29	Poor / Limited / NoApply Now View Card Details
Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders 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 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	19.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders 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	15.24% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Capital One Quicksilver Secured Cash Rewards Credit Card

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Rates & Fees

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line

OpenSky® Secured Visa® Credit Card

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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

Capital One Platinum Secured Credit Card

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Rates & Fees

No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help

First Progress Platinum Elite Mastercard® Secured Credit Card

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Choose your own credit line - $200 to $2000 - based on your security deposit
Build your credit score.† Reports to all 3 credit bureaus

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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