Credit Card Guide
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Secured Cards

 

Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies. Getting a secured card is easy! Funds you deposit at the bank are used as collateral for the credit card. You use the card like any credit card. You can rebuild your credit history by making on time monthly payments to all of your creditors and by keeping account balances low relative to the credit limit. See secured credit card offers from our partners below.

 

 
     

     
 
Capital One® Secured MasterCard®
Capital One® Secured MasterCard®

Capital One® Secured MasterCard®

 

  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Build credit with responsible use
  • Regular reporting to the 3 major credit bureaus
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A22.9% (V)$29Bad Credit

First Progress Platinum Prestige MasterCard® Secured Credit Card
First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card

 

  • 24/7 Online Access to Your Account
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A11.99% (Variable)$44Bad Credit

First Progress Platinum Elite MasterCard® Secured Credit Card
First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card

 

  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A19.99% (Variable)$29Bad Credit

First Progress Platinum Select MasterCard® Secured Credit Card
First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card

 

  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A14.99% (Variable)$39Bad Credit

First National Bank Secured Visa Card
First National Bank Secured Visa Card

First National Bank Secured Visa Card

 

  • Your stepping stone to credit that can grow with you.
  • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
  • How you use your card will reflect on your credit rating with the three major credit bureaus.
  • There is no charge for receiving your FICO® 8 Bankcard Score.
  • You could qualify for additional unsecured credit — without sending an additional deposit — in as few as 7 months.
  • As soon as 11 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
  • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A20.99% (Variable)$29N/A

primor™ Secured Visa Gold Card
primor™ Secured Visa Gold Card

primor™ Secured Visa Gold Card

 

  • Fast, easy application process
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A9.99% (Fixed)$49No Credit Check

primor™ Secured Visa Classic Card
primor™ Secured Visa Classic Card

primor™ Secured Visa Classic Card

 

  • Fast, easy application process
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A13.99% (Fixed)$39No Credit Check

UNITY® Visa Secured Credit Card - The Comeback Card™
UNITY® Visa Secured Credit Card - The Comeback Card™

UNITY® Visa Secured Credit Card - The Comeback Card™

 

  • A secured credit card designed to help rebuild your credit
  • Reports to all 3 major credit bureaus
  • Low, fixed (Not variable) interest rate of 17.99%
  • Your security deposit can get you Min. $250/Max. $10,000 credit limit
  • Manage your account online
  • No application fee or penalty rate
  • Credit line secured by fully-refundable FDIC insured deposit submitted with application
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A9.95%6 months17.99% (Fixed)$39Bad Credit

USAA Secured Platinum Card
USAA Secured Platinum Card

USAA Secured Platinum Card

 

  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A9.90% (Variable)$35Bad Credit

OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

 

  • Build Your Credit with our monthly reporting to all 3 credit bureaus.
  • Control Your Finances, start with a security deposit and credit line as low as $200.
  • Apply in less than 5 minutes, No credit check necessary.
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
  • Extra Credit When You Need It, increase your credit line up to $5000 (subject to approval).
  • Easy funding options, with 4 ways to fund and No checking account needed.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A17.50% (Variable)$29Bad Credit

The Secured Visa® from Merrick Bank
The Secured Visa® from Merrick Bank

The Secured Visa® from Merrick Bank

 

  • Get your FICO® Score every month at no charge.
  • Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
  • No Processing or application fees.
  • You determine your credit line - up to $3,000
  • Easy funding options - We have several convenient options to easily submit your security deposits
  • Worldwide acceptance - Use it anywhere Visa is accepted.
  • Easy application - Click "Apply Here" to apply online today!
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A17.45% (Variable)$36Bad Credit

USAA Secured Platinum American Express Card
USAA Secured Platinum American Express Card

USAA Secured Platinum American Express Card

 

  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A9.90% (Variable)$35Bad Credit

 
     


 
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