Compare Secured Credit Cards

Struggling with credit? A secured credit card can help you rebuild credit with responsible spending and on-time payments - no perfect credit needed.

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Secured Self Visa® Credit Card*

Start with a minimum $100 security deposit

Payments are reported to all 3 major credit bureaus

No credit check to apply

More than 4 million people are building with Self. Join them!

Disclaimers

*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Bank, 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 28.24%. Offer valid for new customers only.

Firstcard® Secured Credit Builder Card

Build credit faster, cheaper, and safer with 0% APR

No hard credit check is needed — you’re pre-approved!

Firstcard reports to all three major credit bureaus

Users see credit scores increase 52+ points on average within 3 months*

Disclaimers

Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC.

*Source: Firstcard User Data. Firstcard user data shows that users with a credit score below 500 observed an average increase of 52 points within 3 months of their first purchase using Firstcard with on-time payment.

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What is a secured credit card?

A secured credit card is a type of credit card that requires a refundable security deposit as collateral. Your credit limit is typically equal to your deposit. It’s commonly used to build or rebuild credit. Secured cards are ideal for:

People new to credit
Those with low or no credit score
Individuals rebuilding after bankruptcy or missed payments

Can I get a secured credit card with bad credit?

Yes, secured credit cards are designed specifically for people with poor credit or no credit history. Because the deposit lowers the risk for the card issuer, approval is more likely even if you have a low FICO score or limited credit background.

How much is the security deposit?

Deposits typically start at $100–$500, depending on the card provider. The amount becomes your credit limit. In many cases, the deposit is fully refundable when you close the account in good standing or upgrade to an unsecured card.

Secured vs Unsecured credit cards?

Secured credit cards require a security deposit and are easier to qualify for if you have bad or no credit.
Unsecured credit cards don’t require a deposit but typically need fair to excellent credit for approval. Secured cards are often the first step toward qualifying for unsecured cards later.