Are you looking for a quick way to fix your credit score? The best way to do that is by getting a credit card. However, that’s not easily done if you have bad credit. That is where a secured credit card comes in. The difference between a standard credit card and a secured one is that you’ll be required to give a cash deposit, which will be used as collateral, and also as your credit line.
To fix your credit score, and also get access to a higher limit, you’ll need to use the card responsibly. Try to use the card for fewer purchases, and always pay the balance in full, preferably before the due date. After a few months, if your credit has improved, consider getting an unsecured credit card, since they usually have better interest rates and rewards like cashback and airline miles.
Capital One Secured MasterCard
- No annual fee
- $49, $99 or $200 refundable deposit
- Access to a higher credit line after 5 months
- Choose your own monthly due date and payment method
Apply now on our secure website
OpenSky® Secured Visa® Credit Card
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Apply now on Capital Bank N.A. secure website
Green Dot primor Visa Secured Credit Card
- Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional Green Dot primor® Visa® Classic Secured Credit Card details
Apply now on our secure website
First Progress Platinum Select Mastercard Secured Credit Card
- Reports to all three major credit bureaus
- No minimum credit score required
- 14.74% variable APR for purchases
- Accepted nationwide
- No minimum credit score
- $39 annual fee
Apply now on our secure website
Wells Fargo Secured Visa Credit Card
- $25 annual fee
- Reports to all three major credit bureaus
- Access to your FICO Credit Score
- 20.74% APR rate on purchases and balance transfers
- Your security deposit is equal to your credit line
Discover it Secured
- Minimum deposit of $200
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then it’s 1% cash back
- No annual fee
- Reports to all major credit bureaus
- 24.99% variable APR
- Discover will match all the cash back earned at the end of the first year
Bank of America BankAmericard Secured
- 24.99% variable APR
- No annual fee
- Zero-liability protection
- Free FICO credit score access
- $300 minimum security deposit
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