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Secured Credit Cards

Secured credit cards are a terrific option for establishing or rebuilding your credit history. Generally accepted wherever major credit cards are accepted, secured cards are easy to get, even if you have bad credit or no credit history. Making your payments on time will help to build a positive credit reference.

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Capital One® Secured MasterCard®

  • Get the credit you need with no processing fees or application fees
... more details

Our Secured Card Review


Building a strong credit history is important, and the Capital One Secured MasterCard can help! The ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A22.9% (V)22.9% (V)$29Poor - Bad
No Credit
 
 

Applied Bank® Secured Visa® Gold Credit Card

  • Better Than a Prepaid...Go with a Secured Card!
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Our Secured Card Review


If you're looking for a secured credit card that doesn't charge an account set up fee, check out ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A9.99% Fixed$50Poor - Bad
No Credit
 
 

Platinum Zero® Secured Visa® Credit Card from Applied Bank®

  • ZERO - 0% FIXED APR on purchases - No Intro Rates!
... more details

Our Secured Card Review


Are you looking for a secured credit card that carries no interest rates on all purchases, no ... read full review

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A0% on purchasesSee TermsPoor - Bad
No Credit
 
 

Centennial® Classic Credit Card

  • Your $150.00 credit card Security Deposit remains yours if you close your account with a $0.00 balance.
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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
See terms*See terms*See terms*See terms*Poor - Bad
 
 

First Progress Secured MasterCard®

  • Full-feature Platinum MasterCard secured credit card
... more details

Our Secured Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/APrime Rate + 11.74%$39Poor - Bad
No Credit
 
 

Open Skysm Secured Visa® Credit Card

  • No Credit Check
... more details

Our Secured Card Review

Coming soon...

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Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A14.25%14.25% Variable$50Poor - Bad
No Credit
 
 
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The Pros and Cons of Prepaid Cards

Prepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase

Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The prepaid account will not be reported to the credit bureaus as a credit card.

Pros:
  • Easy approval process, no credit required
  • The same fraud liability protections as a standard credit card
  • Easy to use for online or phone purchases
  • Access cash from ATM machines
  • Less expensive than check cashing services
Cons:
  • Expensive fees for opening and maintaining the account
  • Fees for loading money on the account or using the card for purchases
  • Very limited, if any, reporting to the credit bureaus
  • Does not help improve your credit the same way a credit card or secured card would
  • Much more expensive than opening a checking account and using an ATM card

Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.


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FICO scores and credit 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 credit card offer.

*For complete information, see the terms and conditions on the credit card issuer's web site. Once you click to apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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