Advertiser Disclosure  |  About Our Ratings
×

About Our Ratings

Please note: we are not a lender and do not issue credit or loans ourselves. Instead, we work in partnership with reputable credit card companies and lending institutions to connect you with potential offers. All terms—such as interest rates, fees, and approval criteria—are set solely by the lenders and are beyond our control. We do not make credit decisions, nor do we broker or process online loans or lines of credit. Our role is to share your information with our partners to help match you with available offers. However, submitting your information does not guarantee approval. The operator of this website is not a broker, agent, or representative of any lender or credit provider.

×

Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Secured Credit Cards

If your credit isn’t where you want it to be, a secured credit card can help you turn things around. These cards work just like traditional credit cards, but with one important difference—you’ll need to make a refundable cash deposit that typically sets your credit limit. That deposit helps protect the issuer while giving you the opportunity to build or rebuild your credit responsibly. With plenty of secured credit card options out there, it’s easy to find one that fits your needs in terms of eligibility, rates, and features. Ready to get started on your credit comeback? Explore the best secured card offers below.

 APPLY NOW
Get Free Credit Score

the Secured Self Visa® Credit Card

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Credit Recommended

    No Credit, New to Credit, Limited Credit, Bad, Poor

  • Annual Fee

    $0 ($25 Annual Fee after the first year.)^

  • Monthly Fee

    N/A

  • Regular Purchase APR

    28.24% (Variable Rates)

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

  • The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
  • Use your card anywhere Visa® is accepted in the US.
  • A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
  • Get help staying on track with Autopay and account alerts.
  • Manage your account 24/7 online, by phone, or in our mobile app.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.

Card Details Page
 APPLY NOW
Get Free Credit Score

Chime Card™

No Credit Check to Apply6

  • Card Brand

    Visa®

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    N/A

  • Monthly Fee

    N/A

  • Regular Purchase APR

    N/A

  • Rewards

    Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3

  • Full Details

    Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

Card Details Page
 APPLY NOW
Get Free Credit Score

opensky® Secured Visa® Credit Card

No credit check required – 89% approval rate with zero credit risk to apply!

  • Card Brand

    Visa®

  • Credit Recommended

    No credit, Poor, Fair

  • Annual Fee

    $35

  • Monthly Fee

    N/A

  • Regular Purchase APR

    24.64% (variable)

  • Rewards

    Earn up to 10% cash back on everyday purchases

  • Full Details

    Card Page

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used opensky® to build better credit!
Card Details Page
 APPLY NOW
Get Free Credit Score

Merrick Bank Secured Credit Card

Get your FICO® Credit Score for free each month.

  • Card Brand

    MasterCard

  • Credit Recommended

    See website for Details*

  • Annual Fee

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

  • Monthly Fee

    N/A

  • Regular Purchase APR

    22.70% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • 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.
Card Details Page