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Platinum Prestige MasterCard Secured Credit Card
Platinum Prestige MasterCard Secured Credit Card
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on First Progress's secure website

Apply

on First Progress's secure website

APR
9.99%
Intro APR: None
Fee
$49
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Platinum Select MasterCard Secured Credit Card
Platinum Select MasterCard Secured Credit Card
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on First Progress's secure website

Apply

on First Progress's secure website

APR
13.99%
Intro APR: None
Fee
$39
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Merrick Bank Secured Visa®  Card
Merrick Bank Secured Visa® Card
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on Merrick Bank's secure website

Apply

on Merrick Bank's secure website

APR
18.20%
Intro APR: None
Fee
$36
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

Unsecured credit line increases - after the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau
Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
Easy funding options - several convenient options to easily submit your security deposits.
Worldwide acceptance - use it anywhere Visa is accepted.
See additional details for Merrick Bank Secured Visa® Card
Platinum Elite MasterCard Secured Credit Card
Platinum Elite MasterCard Secured Credit Card
Apply

on First Progress's secure website

Apply

on First Progress's secure website

APR
19.99%
Intro APR: None
Fee
$29
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Discover it® Secured Card - No Annual Fee
Discover it® Secured Card - No Annual Fee
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
23.74% Variable
Intro APR: None
Fee
$0
Rewards
1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Poor - Fair

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Tools to assist you; email alerts, text reminders and 24/7 customer service.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® Secured Card - No Annual Fee

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Secured credit card basics

How secured credit cards work

A secured credit card requires a deposit of certain amount of money into a bank account, and the credit limit can be based on a percentage of the deposited amount. This deposit for a secured credit card acts as a sort of collateral, and funds are not used for regular payments. This is unlike a prepaid card which draws from the funds you deposit. Like traditional unsecured cards, secured credit cards come with APRs, so paying attention to your spending and balances can help you keep interest payments low.

Can secured credit cards help your credit?

Typically, secured credit cards can be a good tool to help you establish or build your credit, as long as you make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month. Some issuers may not report to any or all credit reporting bureaus, and so it is important to check the issuer’s terms and conditions. As your on-time payment history lengthens, your credit score should improve. Having a secured card will be one of many steps on your path to achieving excellent credit, and so when your credit needs grow, you will be ready to move towards those next steps.

Applying for a secured credit card

Finding and applying for the right secured credit card can make things easier as you build your credit. Knowing what the terms and conditions are can help you decide whether it makes sense financially for you. Considerations can include what the fees are and what the interest rates or APR are. Your personal situation can also be a factor, such as what you are comfortable with in terms of spending. All of these can impact your decision on which issuer is best for you.

Secured credit card details
  • Deposits: Deposit requirements can vary, such as the minimum amount required, and there could be limitations on withdrawals. Knowing what the limitations are can be an important factor for you. It could be important for you to be able to withdraw your deposit with no penalty, as long as you have no balance on your secured credit card.
  • Card Fees: Some issuers may charge an annual fee, and there might be other issuers who may also charge a monthly maintenance fee. Knowing the additional fees can also help you decide which card is best for you, based on the total costs involved and what you are able to afford or willing to spend. Additional fees could include application fees, transaction fees, and penalty fees. There could also be optional fees for additional services, such as requesting a credit limit increase.
  • Interest Rates: Interest rates for secured credit cards can vary and can be either fixed or variable. A fixed rate generally remains the same, unless certain events occur, such as a missed or late payment, which could raise your rate, or if a promotional period ends. A variable rate is tied to the economy and the prime rate, and can go up or down based on the performance of this prime rate. Paying attention to the interest rates can be important, especially if you tend to carry balance from month-to-month. Knowing how much you are paying on interest can give you a good idea about how much you are spending to use a secured credit card.

1 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.