**Recommended credit
Chime
- To apply for Chime Card™, you must have an active Chime® Checking Account.
- No annual fee. No minimum security deposit*. No credit check to apply***
- 1.5% cash back¹ on rotating categories with Chime+ status²
- The perks of credit building meet the best of banking
- ¹With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases
- ²To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
- *Money added to Chime Card™ will be held in a secured account as collateral for your Chime Card™, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- **On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
- ***Out-of-network ATM withdrawal fees may apply.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Card™ is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
None***
Ongoing APR
None***
Balance transfer
None
- Start with a $200 refundable security deposit, and grow your limit up to $3,000
- No credit check required to apply — apply with confidence and start building credit today
- Earn up to 10% cash back on everyday purchases
- 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
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$35
Intro APR
N/A
Ongoing APR
23.89% (variable)
Balance transfer
N/A
Self Inc
The secured Self Visa® Credit Card
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your VantageScore 3.0 online or in app.
- Use your card anywhere Visa® is accepted -- in the US.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $100).
- 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.
- Get help staying on track with Auto Pay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
- *$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
- †The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Bank, N.A., or First Century Bank, N.A., each Member FDIC.
**Recommended credit:
Fair - No Credit
Annual fee
$0 for the first year only. $25 annual fee after.
Intro APR
N/A
Ongoing APR
28.24% Variable APR
Balance transfer
N/A
**Recommended credit
See website for Details*
Merrick Bank
Merrick Bank Secured Credit Card
- 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.
**Recommended credit:
See website for Details*
Annual fee
$36 for first year. Billed $3 per month thereafter
Intro APR
N/A
Ongoing APR
21.95% Variable
Balance transfer
N/A
- Get more spending power with a refundable security deposit — start with as little as $300 and apply to increase your limit, up to $3,000
- No credit check required to apply — earn up to 10% cash back on purchases
- 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
- Fast and easy application—apply in minutes with our mobile-first experience
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
First Progress
First Progress Select Secured Mastercard®
- 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
**Recommended credit:
Poor-No Credit
Annual fee
$39
Intro APR
N/A
Ongoing APR
17.49% Variable APR for Purchases
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- Monitor your credit score right in the app
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- Get up to 15% Merchant Cashback at 29,000+ partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
First Latitude
First Latitude Elite Secured Mastercard®
- Invest Your Refund in Your Future — Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Choose our First Latitude Elite Card for a lower annual APR!
- Choose our First Latitude Elite Card for a lower annual APR!
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- 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.
- *See Important Disclosures for complete offer details
- *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 Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$29
Intro APR
N/A
Ongoing APR
23.49% (V)
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government). Rates and Fees
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
OneUnited Bank
UNITY® Visa Secured Credit Card - The Comeback Card™
- Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
- No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
- No application fee or penalty rate
- Monthly reporting to all 3 major credit bureaus
- 24/7 online access to your account
- *See the Cardholder Agreement for more details.
**Recommended credit:
Poor-Bad-No Credit
Annual fee
$39
Intro APR
N/A
Ongoing APR
17.99% (Fixed)
Balance transfer
Intro: 9.95% for 6 months
- Start building credit with just $150 – secure you line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- 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
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
First Latitude
First Latitude Assent Secured Mastercard®
- Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ — Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Now offering cash back rewards on select purchases & payments!^^
- 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!
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, 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.
- *See Important Disclosures for complete offer details
- ^^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 Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
27.49% (V)
Balance transfer
N/A
First Progress
First Progress Prestige Secured Mastercard®
- 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
**Recommended credit:
Poor-No Credit
Annual fee
$49
Intro APR
N/A
Ongoing APR
13.49% Variable APR for Purchases
Balance transfer
N/A
* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions 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 or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.
** 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 offer.
†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.
Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.