Secured Credit Cards

No Credit History? Apply for a secured credit card

A secured credit card is a great way to take advantage of the benefits of a traditional unsecured card while greatly reducing the risk of getting buried in credit card debt.  If a person has cash available, they could be approved for a secured credit card. You can use a secured credit card just like a typical credit card, and charge up to the credit line equal to a cash deposit you put down in advance.  For example, with a $300 cash deposit, you’ll have $300 to spend with that card.  Repaying your card bill on time will lead to your much-needed credit score.  See some good secured credit card options below.

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended

No credit, Poor, Fair

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  • Regular APR: 29.99% (variable)
  • Annual Fee: $0
  • Credit Line: $300-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 29.99% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • 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

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended

Poor/Fair/Limited/Damaged

Apply Now

  • Regular APR: 9.99% Fixed
  • Annual Fee: $48
  • Credit Line: $200 - $1,000
  • Brand Name: Visa®
  • Security Deposit: $200 - $1,000
  • 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

OpenSky® Secured Visa® Credit Card

Credit Recommended

Poor

Apply Now

  • Regular APR: 25.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 25.64% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • 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 Prestige Mastercard® Secured Credit Card

Credit Recommended

Poor/Limited/No Credit

Apply Now

  • Regular APR: 15.24% (V)
  • Annual Fee: $49
  • Credit Line: $2,000
  • Cash Advance APR: 24.24% (V)
  • Rewards Rate: 1% Cash Back
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ 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

Credit Recommended

See website for Details*

Apply Now

  • Regular APR: 22.70% Variable
  • Annual Fee: $36 for first year. Billed $3 per month thereafter
  • Credit Line: $200-$3,000, depending on deposit amount
  • Cash Advance APR: 27.70% Variable
  • Cash Advance Fee: 4% Min: $10
  • Late Payment Fee: Up to $40
  • Return Payment Fee: Up to $40
  • Foreign Trans Fee: 2%
  • Minimum Deposit: $200
  • Regular Transfer APR: N/A
  • Penalty APR: N/A
  • Balance Transfer Fee: N/A
  • Intro (Purchases): N/A
  • Intro (Transfers): N/A
  • 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 Prestige Mastercard® Secured Credit Card

Credit Recommended

Poor/Limited/No Credit

Apply Now

  • Regular APR: 15.24% (V)
  • Annual Fee: $49
  • Credit Line: $2,000
  • Cash Advance APR: 24.24% (V)
  • Rewards Rate: 1% Cash Back
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ 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.

Self - Credit Builder Account + Secured Visa® Credit Card

Credit Recommended

None/Poor

Apply Now

  • Primary Benefit: Build credit and savings at the same time.
  • Products Offered: Credit Builder Account and Self Secured Credit Card
  • Credit Check: No Hard Credit Check Required
  • Loan Amount: See website for 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 Progress Platinum Select Mastercard® Secured Credit Card

Credit Recommended

Poor/Limited/No Credit

Apply Now

  • Regular APR: 19.24% (V)
  • Annual Fee: $39
  • Credit Line: $2,000
  • Cash Advance APR: 25.24% (V)
  • Rewards Rate: 1% Cash Back
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ 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 Elite Mastercard® Secured Credit Card

Credit Recommended

Poor/Limited/No Credit

Apply Now

  • Regular APR: 25.24% (V)
  • Annual Fee: $29
  • Credit Line: up to $2,000
  • Cash Advance APR: 30.24% (V)
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ 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.