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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First Latitude Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	19.24% (V) APR rates & fees	N/A	$39.00	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards! Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Build or rebuild your credit!† Accepted wherever Mastercard^® is accepted 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. *See Important Disclosures for complete offer details
OpenSky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR	N/A	$0	No Credit, Poor, FairApply Now View Card Details
*New feature! Earn up to 10% cash back on everyday purchases** 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay 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 Offers 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 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
OpenSky^® Secured Visa^® Credit Card Hide Benefits Show Benefits	25.64% (Variable) APR	N/A	$35	PoorApply Now View Card Details
*New feature! Earn up to 10% cash back on everyday purchases** No credit check to apply. Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Get free monthly access to your FICO score in our mobile application Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Fund your card with a low $200 refundable security deposit to get a $200 credit line Apply in less than 5 minutes with our mobile first application Choose the due date that fits your schedule with flexible payment dates Fund your security deposit over 60 days with the option to make partial payments Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
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.
Applied Bank^® Secured Visa^® Gold Preferred^® Credit Card Hide Benefits Show Benefits	9.99% Fixed APR	N/A	$48	Poor / Fair / Limited / DamagedApply Now View Card Details
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
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 Platinum Secured Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR rates & fees	29.99% (Variable) APR	$0	Limited, BadApply 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
Capital One Quicksilver Secured Cash Rewards Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR rates & fees	29.99% (Variable) APR	$0	Limited, BadApply 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
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 Latitude Prestige Mastercard^® Secured Credit Card Hide Benefits Show Benefits	15.24% (V) APR	N/A	$49.00	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments. Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Build or rebuild your credit!† Reports to all 3 major credit bureaus. No minimum credit score required for approval! Accepted wherever Mastercard^® is accepted. Applying is quick and easy with our secure online application. 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 Latitude Elite Mastercard^® Secured Credit Card Hide Benefits Show Benefits	25.24% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments. Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Build or rebuild your credit!† 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
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 received a single qualifying direct deposit of $200 or more to your 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. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your 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). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits. *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.
OpenSky Launch Secured Visa^® Credit Card Hide Benefits Show Benefits	29.99%* 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
Excellent option for a low fully refundable security deposit, get started with just $100 Earn up to 10% cash back on everyday purchases Minimum payment as low as $10 Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Easy application, apply in less than 5 minutes right from your mobile device Offers 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 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit
Self - Credit Builder Account + Secured Visa^® Credit Card Hide Benefits Show Benefits	N/A	N/A		None / PoorApply Now View Card Details
If you have an active Credit Builder Account in good standing, 3 on time payments, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the Self Secured 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 Self Visa^® Secured 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., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Self Secured Visa^® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState 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.

First Latitude Select Mastercard® Secured Credit Card

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Rates & Fees

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards!