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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.

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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.

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First Progress Prestige Secured Mastercard®

Apply with no impact to your credit!*

  • Card Brand

    MasterCard

  • Credit Recommended

    Poor/Limited/No Credit

  • Annual Fee

    $49

  • Monthly Fee

    N/A

  • Regular Purchase APR

    13.49% (variable)

  • Rewards

    Up To 10% Cash Back on Purchases + 1% on Payments^^

  • Full Details

    Card Page

Highlights

  • Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
  • Apply with no impact to your credit!*
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • 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
Card Details Page
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Get Your Credit Report

First Progress Select Secured Mastercard®

Apply with no impact to your credit!*

  • Card Brand

    MasterCard

  • Credit Recommended

    Poor/Limited/No Credit

  • Annual Fee

    $39

  • Monthly Fee

    N/A

  • Regular Purchase APR

    17.49% (variable)

  • Rewards

    Up To 10% Cash Back on Purchases + 1% on Payments^^

  • Full Details

    Card Page

Highlights

  • 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
Card Details Page
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Get Your Credit Report

the Secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

  • Card Brand

    Visa®

  • Credit Recommended

    Any Credit Rating

  • Annual Fee

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

  • Monthly Fee

    N/A

  • Regular Purchase APR

    27.49% (Variable)

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

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.

Card Details Page
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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 – 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.

Card Details Page
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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

    23.89% (variable)

  • Rewards

    Up to 10% cash back rewards

  • 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
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Get Your Credit Report

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

    21.95% 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