5 “Best” Secure Credit Cards (2021)

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We offer the top 5 secure credit cards. These credit cards offer automatic reports to the three national credit bureaus. This report helps consumers with limited, bad, or poor credit history build credit.

Each of these credit cards requires a refundable deposit. Once the secure credit card is issued, it works the same as a regular credit card. These credit cards can be used for regular purchases such as shopping, hotel stays, flight reservations, etc.

  • Better than prepaid … Leave with a secure card! Load once – Continue to use
  • Absolutely no credit check or minimum credit score required
  • Automatic reporting to the three national credit bureaus
  • Low fixed APR of 9.99% – Your rate won’t increase even if you’re late
  • Activate today with a minimum deposit of $ 200 – Maximum $ 1,000. * Increase your credit limit up to $ 5,000 by adding additional deposits at any time
Regular APR 9.99%
Annual subscription $ 48
Credit line See website for details *
Recommended credit Poor / Fair / Limited / Damaged

Apply now

  • No credit history or minimum credit score required for approval
  • Monthly reports to the 3 major credit bureaus to establish credit history
  • Line of credit secured by your fully refundable deposit of $ 200 – $ 2,000 submitted with application
  • National program but not yet available in NY, IA, AR or WI * See card conditions.
  • Apply in a few moments without negatively impacting your credit score; no credit check will be recorded in your credit bureau file
Regular APR 9.99% (V)
Annual subscription $ 49
Credit line $ 2,000
APR of the cash advance 18.99 (V)
Recommended credit Poor / limited / no credit

Apply now

  • Receive your card faster with the new expedited processing option
  • No credit history or minimum credit score required for approval
  • Fast and complete online application
  • Full Platinum Mastercard® secure credit card
  • Good for car rentals, hotels; Everywhere credit cards are accepted!
  • Monthly reports to the 3 major credit bureaus to establish credit history
  • Line of credit secured by your fully refundable deposit of $ 200 – $ 2,000 submitted with application
  • Simply pay your balance and receive your deposit anytime
  • 24/7 online access to your account
  • National program but not yet available in NY, IA, AR or WI * See card conditions.
  • Apply in a few moments without negatively impacting your credit score; no credit check will be recorded in your credit bureau file
Regular APR 13.99% (V)
Annual subscription $ 39
Credit line $ 2,000
APR of the cash advance 19.99% (V)
Recommended credit Poor / limited / no credit

Apply now

  • Receive your card faster with the new expedited processing option
  • No credit history or minimum credit score required for approval
  • Fast and complete online application
  • Full Platinum MasterCard® Secured Credit Card
  • National program but not yet available in NY, IA, AR or WI * See card conditions.
  • Apply in a few moments without negatively impacting your credit score; no credit check will be recorded in your credit bureau file

Program specifications

Regular APR 19.99% (V)
Annual subscription $ 29
Credit line up to $ 2,000
APR of the cash advance 24.99% (V)
Recommended credit Poor / limited / no credit

Apply now

  • The initial refundable deposit of $ 300 becomes your credit limit
  • 1% cash back on every purchase
  • Free access to your TransUnion Vantage 3.0 score (when you sign up for eStatements)
  • Monthly reporting to the three major credit bureaus
  • Quick and easy application process; results in seconds
  • Use your card wherever Mastercard is accepted
  • $ 0 fraud liability
  • Mandatory checking account
Regular APR 19.99% variable
Annual subscription $ 69
Credit line $ 300
Recommended credit All types of credit Welcome to apply

Apply now

Faq:

What is a secured credit card?

It is simply a credit card backed by a cash deposit from the cardholder. This serves as a guarantee on the user’s account, the purpose is to provide the credit card issuer with the security that the funds are secure in the event that the card holder cannot make a payment. These types of credit cards are often the best option for people who have no credit history or a bad or poor credit rating.

Why are no credit checks important?

Every time there is a credit check it gets recorded on your credit report and it can lower your overall credit score. This is why it pays to avoid credit checks whenever possible.

Do i need a secured credit card?

If you don’t have a history of bad or bad credit, the best way to make sure you are approved for a credit card is to use a secured credit card, as this greatly reduces the risk for you. the credit card issuer. That being said, you can still be approved if you apply for a card on our Bad Credit Cards page.

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