Best Secured Credit Cards to Rebuild Credit

What is a secured credit card and who should have one? Secured credit cards are designed to help people establish their credit. Whether you have limited or no credit, or you have damaged your credit and had bad credit, you may count on secured credit cards to build or rebuild your credit history. Not sure what to look for when choosing a secured credit card? Please read What you need to know about secured credit cards?.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Platinum Secured Mastercard^® Hide Benefits Show Benefits	14.25 to 18.00% Variable APR	14.25 to 18.00% Variable APR	$0	Poor / Limited / NoApply Now View Card Details
Score great rewards and build credit with a refundable security deposit Earn 1 rewards point for every dollar spent on your everyday purchases. There's no maximum and your points never expire. Use your points for Travel, Merchandise, Gift cards and more No annual fee, balance transfer, cash advance or foreign transaction fee Rates from 14.25 to 18.00% APR, not to exceed 18.00%
OpenSky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	28.99% (Variable) APR	N/A	$0	No Credit, Poor, FairApply Now View Card Details
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!
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!
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.
First Latitude Assent Mastercard^® Secured Credit Card Hide Benefits Show Benefits	28.24% (V) APR	N/A	$0	Poor / Limited / NoApply Now View Card Details
Choose the First Latitude Assent Card and enjoy $0 Annual Fee! 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! Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Designed to push you forward on your credit building journey with $0 Annual Fee. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, 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. *See Important Disclosures for complete offer details
Self - Credit Builder Account + Secured Self Visa^® Credit Card Hide Benefits Show Benefits	N/A	N/A		None / PoorApply Now View Card Details
Apply Now: Intro No Annual Fee with the secured Self Visa^® Credit Card^ If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa^® Credit Card, without a hard credit check. Criteria subject to change. Build credit and savings at the same time. Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus. At the end of your plan, unlock the savings you built - minus interest and fees. The secured Self Visa^® Credit Card is accepted at millions of locations in the U.S. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa^® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The Secured Self Visa^® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
First Latitude Elite Mastercard^® Secured Credit Card Hide Benefits Show Benefits	24.24% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
Choose our First Latitude Elite Card for a lower annual APR! Apply now and fund your security deposit over 90 days with the option to make partial payments. Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹ No minimum credit score required for approval! Secure your credit line with a refundable security deposit - as low as $200 to get started! 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
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.
Chime Credit Builder Secured Visa^® Credit Card Hide Benefits Show Benefits	N/A	N/A	None	Poor / Limited / NoApply Now View Card Details
To apply for Credit Builder, you must have an active Chime^® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest, no annual fees, no credit check to apply, and no minimum security deposit required* Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion^®. Experian^®. and Equifax^®. Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries. No Interest: Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer. No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month. The secured Chime Credit Builder Visa^® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. *Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion^®, Experian^®, and Equifax^®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement): To apply for Credit Builder, you must have an active Chime® Checking Account.
OpenSky Launch Secured Visa^® Credit Card Hide Benefits Show Benefits	28.99% (Variable) APR	N/A	$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.	No Credit, Poor, FairApply Now View Card Details
Start building credit with just $100 - secure you line with a low, refundable security deposit No credit check required - 89% approval rate with zero credit risk to apply! Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter Earn up to 10% cash back on everyday purchases Affordable payments - minimum payment as low as $10 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 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!

Platinum Secured Mastercard®

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Score great rewards and build credit with a refundable security deposit
Earn 1 rewards point for every dollar spent on your everyday purchases. There's no maximum and your points never expire. Use your points for Travel, Merchandise, Gift cards and more

OpenSky® Plus Secured Visa® Credit Card

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No annual fee - keep more money in your pocket!
No credit check required - 89% approval rate with zero credit risk to apply!

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!

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.

First Latitude Assent Mastercard® Secured Credit Card

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Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
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!

Self - Credit Builder Account + Secured Self Visa® Credit Card

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Apply Now: Intro No Annual Fee with the secured Self Visa^® Credit Card^
If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa^® Credit Card*, without a hard credit check. Criteria subject to change.

First Latitude Elite Mastercard® Secured Credit Card

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Choose our First Latitude Elite Card for a lower annual APR!
Apply now and fund your security deposit over 90 days with the option to make partial payments.

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.

Chime Credit Builder Secured Visa® Credit Card

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To apply for Credit Builder, you must have an active Chime^® Checking Account.
The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).

OpenSky Launch Secured Visa® Credit Card

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Start building credit with just $100 - secure you line with a low, refundable security deposit
No credit check required - 89% approval rate with zero credit risk to apply!