Secured Credit Cards

Credit Quality

Excellent

Good

Fair

Poor

Bad

Limited No Score

Issuers

Capital One®

Chase®

Citi®

Mastercard®

Visa®

Other

As featured on:

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.

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Regular APR

9.99% Fixed

Annual Fee

$48

Credit Line

$200 – $1,000

Credit Recommended:
Poor/Fair/Limited/Damaged

on issuer’s secure website.

Brand Name

Visa®

Security Deposit

$200 – $1,000

Credit Recommended

Poor/Fair/Limited/Damaged

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

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Loan Amount

Save $525-$1,700

Credit Check

No Credit Required

Credit Recommended

See website for Details*

Credit Recommended:
See website for Details*

on Lead Bank, Member FDIC, Equal Housing Lender secure website.

Get the savings plan that helps build credit today!
Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options.

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Regular APR

21.14% (variable)

Annual Fee

$35

Credit Line

$200-$3000 at time of application

Credit Recommended:
Poor

on Capital Bank N.A. secure website.

Cash Advance APR

21.14% (variable)

Late Payment Fee

Up to $38

Credit Recommended: Poor

No credit check to apply and find out instantly if you are approved
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
*View the cardholder agreement

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Regular APR

22.99% (V)

Annual Fee

$25 for the first year, after that $35 annually

Cash Advance APR

27.99% (V)

Credit Recommended:
Poor/Limited/No Credit

on the issuer’s secure website.

Credit Line

See website for Details*

Credit Recommended: Poor/Limited/No Credit

Start Building Your Credit with as Little as $100
Pay a Deposit (as Little as $100! Or up to $2000)
Quick and Easy Online Application
No Credit History or Minimum Credit Score Required!
Get a Platinum Mastercard (Bank Account Required)
Reports to all 3 Major Credit Bureaus
Credit Reporting Starts Immediately when your Account is Opened
*Just pay your bill on time to continue establishing your credit
First Latitude Mastercard is Accepted Nationwide and Online
Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

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Regular APR

See Provider Website

Annual Fee

See Provider Website

Credit Line

See Provider Website

Credit Recommended : Bad/Limited/No Credit

on issuer’s secure website.

Credit Recommended: Bad/Limited/No Credit

Our mobile app helps you keep track of your spending and payments for greater financial control.
When you need assistance our award-winning US-based Customer Service agents are there to help.
FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act

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Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Minimum Deposit

$49, $99 or $200

Purchase Grace Period

25 days

Credit Recommended:
Bad/Limited

on Capital One’s Bank secure website.

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

Foreign Trans Fee

None

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

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Card Brand

Visa®

Product Type

Secured

Credit Recommended

Good/Limited Credit

Credit Recommended:
Good/Limited Credit

on Plains Commerce Bank secure website.

Regular APR

18.90% (fixed)*

Annual Fee

$39*

Credit Line

$200-$1000 at time of application*

Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
A minimum collateral deposit of $200 is required to open this account.
After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
This card is perfect for people new to credit as well as people looking to rebuild their credit.
Reports monthly to all three major credit bureaus.
Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
24/7 online account center.
This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.

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Credit Line

$200, which doubles to $400 if you qualify

Regular APR

21.20% Variable

Cash Advance APR

26.20% Variable

Credit Recommended:
See website for Details

on Merrick Bank secure website.

Annual Fee

$36 the first year. Billed $3 per month thereafter

Minimum Deposit

$200

Late Payment Fee

Up to $40

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
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.

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Credit Line

$200-$3,000, depending on deposit amount

Regular APR

21.20% Variable

Cash Advance APR

26.20% Variable

Credit Recommended:
See website for Details*

on Merrick Bank secure website.

Minimum Deposit

$200

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.

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Regular APR

28.49% (Variable)

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

Credit Recommended:
Limited, Bad

on Capital One® secure website.

Minimum Deposit

$200

Cash Advance APR

28.49% (Variable)

Credit Recommended Good/Excellent

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