Secured Credit Cards for People with Bad Credit

Unlike unsecured credit cards, secured credit cards require that you deposit money into a bank account to secure a credit line. Statements are sent to you each month for charges that you've made to the card. Your payment history is reported to the major consumer reporting agencies so you can begin to establish your credit. Once you get upgraded to an unsecured card or otherwise cancel the account, the amount you deposited up front gets refunded back to you, less any money you might owe on the unpaid balance. Some of the credit cards listed below require no credit check, and may offer guaranteed approval. Compare the secured card offers below and apply online today!

Top 10 Offers | Unsecured Cards | Secured Cards | Prepaid Cards

Capital One® Secured MasterCard®

Get the credit you need with no processing fees or application fees
Automatic reporting to the 3 major credit bureaus
Track credit with access to your credit score and other tools
Your refundable security deposit can get you a line up to $3000
You may qualify for credit line increases with no further security deposit required
Use it like any MasterCard credit card, accepted at millions of locations worldwide

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
N/A*	N/A*	22.90% (Variable)*	$29.00*	Yes*	Bad Credit*

Applied Bank® Secured Visa® Gold Credit Card

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $200 up to a maximum of $5,000
Guaranteed Approval Regardless of Your Past Credit History
9.99% Low Fixed APR - Your Rate Won't Change Even if You Are Late
Highest Ratings for Financial Strength and Security in the Country

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
N/A*	N/A*	9.99% (Fixed)*	$50.00*	N/A*	Bad Credit*

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

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $500 up to a maximum of $5,000
Zero - 0% Fixed APR on Purchases - No Intro Rates
Zero - 0% Rate Won't Change - Even If You're Late
Zero Application Fees
Zero Worries - Free Personal ID Theft Protection

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
N/A*	N/A*	0.00% (Fixed)*	$119.40*	N/A*	Bad Credit*

Orchard Bank Classic MasterCards

An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
N/A*	N/A*	14.99-24.99% (Variable)*	$39.00 1^st year, then $59.00*	Yes*	Bad Credit*

Centennial® Classic Credit Card

Applicants must have checking account
Your $150.00 credit card Security Deposit remains yours if you close your account with a $0.00 balance.
If approved, your $150 security deposit gets you a $300 credit limit
Monthly reporting to the major Consumer Reporting Agencies
Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit
Quick and easy application

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
See Website*	See Website*	See Website*	See Website*	N/A*	Fair/Bad Credit*

First Progress Platinum Secured MasterCard® Credit Card

Full-feature Platinum MasterCard secured credit card
No credit history or minimum credit score required for approval
Monthly reporting to all 3 major credit bureaus to establish more credit history
Quick & complete online application
Secured by your deposit of $300 - $2,000
24/7 access to your account online
Deposit held at FDIC-insured bank
You must be a resident of a US state; however, at present the program is not available in Alaska, Arkansas, Iowa, Maine, New York, Wisconsin, or West Virginia.

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
N/A*	N/A*	14.99% (Fixed)*	$39.00*	N/A*	Bad Credit*

First PREMIER® Bank Secured Credit Card

You establish your credit limit - From $200 minimum up to $5000
Reports monthly to the major Consumer Reporting Agencies
This credit card may be able to help rebuild your credit history if you make on-time minimum payments and maintain your balances under the credit limits with all your creditors.

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
See Website*	See Website*	See Website*	See Website*	N/A*	Bad Credit*

Centennial® Secured Credit Card

No credit history required
This is a real credit card - not a prepaid or debit card
This credit card may be able to help rebuild your credit history if you make on-time minimum payments and maintain your balances under the credit limits with all your creditors.

Intro Purchase APR	Intro Balance Transfer APR	Regular APR	Annual Fee	Bal. Trans.	Credit Needed
See Website*	See Website*	See Website*	See Website*	N/A*	Bad Credit*

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