Secured Credit Cards
If you have real poor credit, start with a secured credit card. Qualifying for a secured credit card is easy, since in essence, you are making a bank deposit that equals your credit line (less fees). Some banks require you to gradually increase your credit limit with further deposits, while others will reward you for making payments on time by raising your credit line after periodic reviews. Only use the card for purchases you can afford to pay in full at the end of the month. Secured Credit Cards require that you have a form of collateral or money on an account.
Browse the full selection of our SECURED credit cards below or choose another Poor Credit credit card from the menu bar on the left. Compare the information on fees, rewards, and various other card features in the "more info" section of the listed cards.
New Millennium Bank Secured Gold Visa® / Mastercard®
Credit limits up to $10,000*
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $69.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $69.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Features:
- Approved regardless of credit history or income
- Credit limits up to $10,000* (with both, Visa® and MasterCard® cards)
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
*See Rates, Fees & Other Terms.
NMB Secured Black Diamond Visa® or Mastercard®
CREDIT BUILDER PROGRAM!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Offers
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Offers
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Features:
- Approved regardless of credit history
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
*See Rates, Fees & Other Terms.
New Millennium Bank Platinum Visa® or MasterCard®
NMB has guaranteed your credit approval for up to $10,000* with no credit check!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Rewards
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Rewards
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Features:
- Guaranteed* Issue
- NO credit check, EVER
- NOBODY gets turned down
- Reports to 3 major CREDIT BUREAUS
- Credit approval for up to $10,000 (with both cards)*
- YOU are APPROVED regardless of income or credit history
- Complimentary online services for account management and payments
*See Rates, Fees & Other Terms.
UltraVX Visa®
Now anyone can qualify for a secured credit card with UltraVX Visa®.
Summary:
Ongoing APR: 18.90%
Cash Advance APR: 18.90%
Cash Advance Fee: $2 ($5 for International)
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Reward Program: Clear Rewards
Credit Line: Up to $25,000
Issuer: MetaBank
Ongoing APR: 18.90%
Cash Advance APR: 18.90%
Cash Advance Fee: $2 ($5 for International)
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Reward Program: Clear Rewards
Credit Line: Up to $25,000
Issuer: MetaBank
Features:
- UltraVX makes it easy to manage your finances
- Automatic minimum payments
- Reports to all 3 major credit bureaus
- No credit check, no bank account required
- Instant online approval
- Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.
*Subject to terms and conditions.
First Option Visa®
Get a REAL Visa® Credit Card!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
MyCreditCardFinder
One site, dozens of offers tailored to you!
Summary:
Ongoing APR: N/A
Ongoing APR: N/A
Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Summary:
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
Features:
- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.
Western Union® Prepaid MasterCard®
Credit problem? No problem!
Summary:
Ongoing APR: N/A
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Issuer: BankFirst
Ongoing APR: N/A
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Issuer: BankFirst
Features:
- Carry your money safely and conveniently.
- Shop online anywhere MasterCard debit cards are accepted.
- Check your Card balance anytime online or over the phone.
- Reload your Card at any participating Western Union Agent location in the United States.
- No credit checks! No lengthy applications!
- Shop wherever MasterCard debit cards are accepted — even online
- Efficiently manage your money and pay bills because you control how much you put on the Card.
- Easy to Get, Easy to Use
- The power of cash. The convenience of plastic.