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. Keep on mind that you are trying to rebuild your credit and not trying to get into more debt! 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. Companies issuing unsecured credit cards provide those with poor credit an opportunity to rebuild/improve their credit.
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.
Orchard Bank® Secured MasterCard®
Bad Credit — Good Secured MasterCard®!
Summary:
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Late Fee: $30-$35
Overlimit Fee: $30.00
Total Initial Charge: $200 minimum deposit
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Late Fee: $30-$35
Overlimit Fee: $30.00
Total Initial Charge: $200 minimum deposit
Issuer: HSBC Bank Nevada, N.A.
Features:
- Set your own credit limit starting at $200, all online
- The perfect card to start building or rebuild your credit
- Reporting monthly to all major credit bureaus
- Your choice of payment due dates to fit your schedule
- Free standard bill pay and online account management tools
- E-alerts to your email or cell phone to remind you when a payment is due
View the Credit Terms & Conditions.
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 credit card with UltraVX Visa®.
Summary:
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
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: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
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:
- Credit-On Demand™*: up to $25,000 credit line
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
First PREMIER Bank Secured MasterCard®
A MasterCard® Credit Card for Those with Less than Perfect Credit!
Summary:
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Issuer: First PREMIER Bank
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Issuer: First PREMIER Bank
Features:
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard® logo
- Over 3 million credit card holders
- Enjoy the benefit of 24-hour phone account access
*See Rates, Fees & Terms for current information.
Centennial® Secured MasterCard®
A Secured Card that Reports monthly to 4 Major Credit Bureaus
Summary:
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Issuer: First PREMIER Bank
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Issuer: First PREMIER Bank
Features:
- A MasterCard® for Those With Less Than Perfect Credit
- Enjoy the Benefit of 24 hour Account Access by Phone
- Accepted where you see the MasterCard® Logo
- Over 3 Million Card Holders
- Quality Customer Service
*See Rates, Fees & Terms for current information.
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
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
Ongoing APR: N/A
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.