Secured Credit Cards

Secured credit cards can be a valuable tool to build (or rebuild) your credit history. The cards you see here report your repayment history to the credit bureaus, so if you pay on time and follow other terms & conditions your credit score could improve over time. Our goal is to help you find a secured credit card with the lowest cost and fewest traps. Some of the offers below are from our partners.

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General Disclaimer: The content on this page may not be provided by any financial institution and may not have been reviewed, approved or otherwise endorsed by any of these entities. See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information; however, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review the information on the credit card terms page. This site may be compensated through a credit card partnership.

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SHOWING 175 CARD OFFERS

TFCU Secured Visa Card

F?

Way Too Complex!

$0

Minimum Deposit

$0

Annual Fee

7.20%

Variable APR

Key Terms

Overview

Savings Secured Card from Logix Smarter Banking

F?

Way Too Complex!

$0

Minimum Deposit

$0

Annual Fee

10.49% - 17.99%

Variable APR

Key Terms

  • Annual Fee: $0
  • Foreign Exchange Fee: Up to 1.1% of each transaction in U.S. Dollars
  • 10.49% - 17.99% Variable interest rate if balance not paid in full
  • BT Fee: N/A

Overview

Visa Classic Secured Card from Justice FCU

B?

A little complex

$100

Minimum Deposit

$0

Annual Fee

16.90%

Fixed APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 16.90% - 16.90% interest rate if balance not paid in full
  • 0% BT Fee

Overview

LAUNCH™ Visa® Credit Card from Baxter CU

B?

A little complex

$150

Minimum Deposit

$0

Annual Fee

18.00%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 18.00% - 18.00% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Visa® Secured Card from MidSouth Community FCU

A?

Transparent

$200

Minimum Deposit

$0

Annual Fee

11.15%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 11.15% - 11.15% variable interest rate if balance not paid in full
  • 0% BT Fee

Overview

nRewards® Secured Credit Card from Navy FCU

C?

Lots of fine print

$200

Minimum Deposit

$0

Annual Fee

18.00%

Variable APR

Key Terms

  • $0 Annual Fee
  • $0 foreign exchange fee
  • 18.00% Variable interest rate if balance not paid in full
  • $0 BT Fee

Overview

Discover it® Secured

B?

A little complex

$200

Minimum Deposit

$0

Annual Fee

24.49%

Variable APR

Key Terms

  • Annual Fee - $0
  • Foreign Transaction Fee - None
  • Regular (GoTo) APR - 24.49% Variable
  • Balance Transfer Fee - 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Overview

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Affinity Secured Visa® Credit Card

A?

Transparent

$250

Minimum Deposit

$0

Annual Fee

12.85%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 12.85% - 12.85% variable interest rate if balance not paid in full
  • 5% BT Fee

Overview

Share Secured Visa Traditional Card from Redstone Federal Credit Union

A?

Transparent

$250

Minimum Deposit

$0

Annual Fee

13.75%

Variable APR

Key Terms

  • No Annual Fee
  • 13.75% - 13.75% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Savings Secured Visa Platinum Card from State Department Federal

A?

Transparent

$250

Minimum Deposit

$0

Annual Fee

14.24%

Variable APR

Key Terms

  • No Annual Fee
  • 0% foreign exchange fee
  • 14.24% - 14.24% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Visa® Platinum Secured Credit Card from American Airlines CU

B?

A little complex

$250

Minimum Deposit

$0

Annual Fee

14.49%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 14.49% - 14.49% variable interest rate if balance not paid in full
  • 0% BT Fee

Overview

Platinum Secured Visa from Golden1 CU

B?

A little complex

$250

Minimum Deposit

$0

Annual Fee

16.04%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 16.04% - 16.04% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Secured Visa® Platinum Credit Card from OneNevada CU

B?

A little complex

$250

Minimum Deposit

$0

Annual Fee

17.00%

Variable APR

Key Terms

  • No Annual Fee
  • 2% foreign exchange fee
  • 17.00% - 17.00% interest rate if balance not paid in full
  • 2% BT Fee

Overview

Credit Builder Visa Card from Apple FCU

C?

Lots of fine print

$250

Minimum Deposit

$0

Annual Fee

17.25% - 18.00%

Variable APR

Key Terms

  • No Annual Fee
  • 0% foreign exchange fee
  • 17.25% - 18.00% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Visa Secure Card from Eastman CU

C?

Lots of fine print

$300

Minimum Deposit

$0

Annual Fee

10.90% - 18.00%

Variable APR

Key Terms

  • No Annual Fee
  • 10.90% - 18.00% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Aspire Secured Visa Card from State Employees CU Of Maryland

A?

Transparent

$300

Minimum Deposit

$0

Annual Fee

13.24%

Variable APR

Key Terms

  • No Annual Fee
  • 0% foreign exchange fee
  • 13.24% - 13.24% interest rate if balance not paid in full

Overview

Visa Secured Credit Card from ESL Federal Credit Union

C?

Lots of fine print

$300

Minimum Deposit

$0

Annual Fee

16.50%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 16.50% - 16.50% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Secured Visa® Card from first National Bank

B?

A little complex

$300

Minimum Deposit

$0

Annual Fee

20.24%

Variable APR

Key Terms

 

  • 3% foreign exchange fee
  • 20.24% - 20.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

LATAM Visa® Secured Card from US Bank

C?

Lots of fine print

$300

Minimum Deposit

$0

Annual Fee

24.74%

Variable APR

Key Terms

  • Annual fee for ongoing years $25
  • 2% foreign exchange fee
  • 24.74% Variable APR if balance not paid in full
  • 3% BT Fee

Overview

Harley-Davidson® Visa® Secured Card

C?

Lots of fine print

$300

Minimum Deposit

$0

Annual Fee

25.24%

Variable APR

Key Terms

  • $0 Annual Fee
  • Foreign Exchange Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars
  • 25.24% Variable interest rate if balance not paid in full 
  • BT Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Overview

Visa Secured Credit Card from Arizona Central CU

B?

A little complex

$330

Minimum Deposit

$0

Annual Fee

13.90% - 14.90%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 13.90% - 14.90% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Visa Share Secured from UNIFY Financial Credit Union

A?

Transparent

$500

Minimum Deposit

$0

Annual Fee

10.99%

Variable APR

Key Terms

  • No Annual Fee
  • No foreign exchange fee
  • 10.99%  interest rate if balance not paid in full
  • 0% BT Fee

Overview

Share Secured Visa Card from NASA FCU

F?

Way Too Complex!

$500

Minimum Deposit

$0

Annual Fee

12.90% - 17.99%

Variable APR

Key Terms

  • No Annual Fee
  • 12.90% - 17.99% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Secured Standard Master Card from Premier America CU

C?

Lots of fine print

$500

Minimum Deposit

$0

Annual Fee

13.15% - 20.15%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 13.15% - 20.15% interest rate if balance not paid in full
  • 0% BT Fee

Overview

DCU Visa® Platinum Secured Credit Card

B?

A little complex

$500

Minimum Deposit

$0

Annual Fee

13.50%

Variable APR

Key Terms

  • No Annual Fee
  • 13.50% - 13.50% variable interest rate if balance not paid in full
  • 0% BT Fee

Overview

Mastercard Credit Builder Credit Card from Eagle Community CU

A?

Transparent

$500

Minimum Deposit

$0

Annual Fee

13.90%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 13.90% - 13.90% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Share Secured Mastercard from Schools First FCU

B?

A little complex

$500

Minimum Deposit

$0

Annual Fee

13.90%

Variable APR

Key Terms

  • No Annual Fee
  • 2% foreign exchange fee
  • 13.90% - 13.90% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Secured Visa Card from ELFCU

B?

A little complex

$500

Minimum Deposit

$0

Annual Fee

15.24%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 15.24% - 15.24% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Share Secured VISA Platinum from Inova FCU

B?

A little complex

$500

Minimum Deposit

$0

Annual Fee

17.99%

Variable APR

Key Terms

  • No Annual Fee
  • 0.80% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Platinum Secured Mastercard® from First Tech FCU

B?

A little complex

$500

Minimum Deposit

$0

Annual Fee

18.00%

Variable APR

Key Terms

  • No Annual Fee
  • 0% foreign exchange fee
  • 18.00% variable interest rate if balance not paid in full

Overview

Visa® Secured Card from GTE Financial CU

B?

A little complex

$1000

Minimum Deposit

$0

Annual Fee

17.99%

Variable APR

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 0% BT Fee

Overview

MidFirst Bank Secured Credit Card

F?

Way Too Complex!

$300

Minimum Deposit

$19

Annual Fee

19.99%

Variable APR

Key Terms

  • Annual fee for first year $19
  • Annual fee for ongoing years $19
  • 3% foreign exchange fee
  • 19.99% - 19.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Visa Secured Card from Investors Bank

C?

Lots of fine print

$300

Minimum Deposit

$19

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured MasterCard from Fifth Third Bank

F?

Way Too Complex!

$300

Minimum Deposit

$24

Annual Fee

26.24%

Variable APR

Key Terms

  • Annual fee for first year $24
  • Annual fee for ongoing years $24
  • 3% foreign exchange fee
  • 26.24% - 26.24% interest rate if balance not paid in full
  • 4% BT Fee

Overview

Union Bank Secured Visa® Credit Card

F?

Way Too Complex!

$300

Minimum Deposit

$25

Annual Fee

21.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 21.24% - 21.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Chemical Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

21.49%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 21.49% - 21.49% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from The Canandaigua National Bank and Trust Company

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

21.49%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 21.49% - 21.49% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Apple Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa® Card from Fidelity Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from American Savings Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Community Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Glens Falls National Bank and Trust Company

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Legacy Texas Financial Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Old National Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa Card from Sandy Spring Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa® Card from Cathay Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Visa Secured Card from Glacier Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

22.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.24% - 22.24% interest rate if balance not paid in full
  • 5% BT Fee

Overview

Secured Visa® Card from Bank of Hope

F?

Way Too Complex!

$300

Minimum Deposit

$25

Annual Fee

22.74%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 3% foreign exchange fee
  • 22.74% - 22.74% interest rate if balance not paid in full

Overview

Credit Builder Secured Visa Credit Card from Armed Forces Bank

C?

Lots of fine print

$300

Minimum Deposit

$25

Annual Fee

23.24%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 0.80% foreign exchange fee
  • 23.24% - 23.24% interest rate if balance not paid in full
  • 0% BT Fee

Overview

VISA Platinum Secured Credit Card from Members First CU

C?

Lots of fine print

$500

Minimum Deposit

$25

Annual Fee

18.00%

Variable APR

Key Terms

  • Annual fee for first year $25
  • Annual fee for ongoing years $25
  • 18.00% - 18.00% interest rate if balance not paid in full
  • 1% BT Fee

Overview

U.S. Bank Secured Visa Card

C?

Lots of fine print

$300

Minimum Deposit

$29

Annual Fee

20.74%

Variable APR

Key Terms

  • Annual fee for first year $29
  • Annual fee for ongoing years $29
  • 2% foreign exchange fee
  • 20.74% Variable APR if balance not paid in full
  • 3% BT Fee

Overview

OpenSky® Secured Visa® Credit Card from Capital Bank N.A.

F?

Way Too Complex!

$200

Minimum Deposit

$35

Annual Fee

19.14%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • Foreign Exchange Fee: 3% of each Transaction in U.S. dollars
  • 19.14% Variable APR if balance not paid in full

Overview

Platinum Secured Master Card from American Heritage FCU

C?

Lots of fine print

$300

Minimum Deposit

$35

Annual Fee

15.90%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 0.80% foreign exchange fee
  • 15.90% - 15.90% interest rate if balance not paid in full
  • 0% BT Fee

Overview

Secured Visa Card from AurGroup Financial CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Secured Visa Card from Beacon CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Secured Visa Card from Central Coast CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Secured Visa Card from Connexus CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Secured Visa Card from Dane County CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Secured Visa Card from US Employees CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

Secured Visa Card from Workers' CU

F?

Way Too Complex!

$300

Minimum Deposit

$35

Annual Fee

17.99%

Variable APR

Key Terms

  • Annual fee for first year $35
  • Annual fee for ongoing years $35
  • 2% foreign exchange fee
  • 17.99% - 17.99% interest rate if balance not paid in full
  • 3% BT Fee

Overview

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