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.

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First Progress Select Secured Mastercard®

Apply with no impact to your credit!*

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Put Your Tax Refund to Work — Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
Apply with no impact to your credit!*
Secure your credit line with your refundable security deposit – choose from $200- $2,000 – with the ability to increase up to $5,000 over time!
Choose the First Progress Select Card for a lower annual fee!
All credit types welcome to apply!
Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
*See Important Disclosures for complete offer details

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the Secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

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Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

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 27.49%. Offer valid for new customers only.

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Chime Card™

No Credit Check to Apply⁶

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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 – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details⁵.
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.

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First Progress Prestige Secured Mastercard®

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First Progress Select Secured Mastercard®

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the Secured Self Visa® Credit Card

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Chime Card™

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opensky® Secured Visa® Credit Card

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Merrick Bank Secured Credit Card

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Firstcard® Secured Credit Builder Card

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