Jiahao Li @jiahaol
Can I apply for a credit card without mortgage?
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Secured Credit Cards for People with Bad Credit
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Compare credit card offers (some of which are from WalletHub advertisers) and quickly find the one that best fits your needs. Once you’ve made your choice, click “Apply Now” and we’ll redirect you to the credit card company’s secure online application.
Showing 1 – 10 of 14
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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25.24% (V)
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Limited History
Rewards Details
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- We automatically match all the cash back you've earned at the end of your first year.
Additional Info
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- See More Details & Reviews About TheDiscover it® Secured
Secured Card
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Min Deposit of $49, $99 or $200
One-Time Fees
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None
Regular APR
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26.99% (V)
Additional Info
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- See More Details & Reviews About TheCapital One® Secured Mastercard®
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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19.64% (V)
Additional Info
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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13.99%
Additional Info
- Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional Green Dot primor® Visa® Classic Secured Credit Card details
- See More Details & Reviews About TheGreen Dot primor® Visa® Classic Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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9.99%
Additional Info
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- See More Details & Reviews About TheApplied Bank® Secured Visa® Gold Preferred® Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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24.74%* (V)
Additional Info
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
- Use your card anywhere Mastercard® is accepted — worldwide.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
- Get help staying on track with Auto Pay and account alerts.
- With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
- Manage your account 24/7 online, by phone, or in our mobile app.
- See More Details & Reviews About TheCiti® Secured Mastercard®
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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10.74% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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9.99%
Additional Info
- Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional Green Dot primor® Visa® Gold Secured Credit Card details
- See More Details & Reviews About TheGreen Dot primor® Visa® Gold Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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20.74% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Elite Mastercard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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14.74% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Select Mastercard® Secured Credit Card
NO FOREIGN FEE
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Community Discussion
Comparing Secured Credit Cards for People with Bad Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
Ashley Elkins @ashleye_69
I'm trying to get a credit card without a deposit on it
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Timothy Anderson @timothya_71
Total Visa card
Credit ONE bank
These cards are a great start if your score is over 560
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Michael Strickland @michaels_374
I truly don't understand paying off your balance even if it has gone to collections and paying it on time every month why your credit score goes down I have not closed any accounts there is a improper address on my wallethub 2019 Gold Mine Drive is not correct I've been here 14 years I thought paying your bills on time or paying them to zero balance help your credit score apparently the system is rigged to screw you over
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Michael Strickland @michaels_374
And the people they put on the phone talk so fast and then such a foreign accent you cannot understand them the creditguard company I had hang the minimum each month never paid on time and never paid each credit card that was listed in my account and they still kept withdrawing money out of my bank it was a correct amount but they did not do their job correctly so that's why I'm doing it myself apparently the system is all rigged to screw the consumer
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Virginia Pirkle @virginiap_49
I need a credit card that can be used all over the world and I would like one that does not charge a transaction fee or annual fee, please
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Virginia Pirkle @virginiap_49
Best card for what I need above.
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Virginia Pirkle @virginiap_49
I can’t find your reply. Let me know how to obtain this info, please
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Jane Cook @janec_62
How much money are you getting from these credit card companies, to trick people into thinking, it will improve their credit score, if they apply for one?
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Kathryn Bailey @kathrynb_76
How many points did your score go after getting a secured card?
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Brandy Dix @brandyd_33
Mine went up after 6 months from 430 to 580 with capital one. Then I got a unsecured limit of 500 card. Use them responsibly, pay it every month, like I use to for gym membership and pay it right back. It is now 620.
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Tracey Johnson @traceyj5
Is there a secure card with no deposit
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David Smith @davids_787
No. It wouldnt be a secured card without a deposit. However, there are unsecured cards for those with bad or limited credit. Be advised that these cards have high fees and low limits.
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@deloress_16
Was send a preapprove letter from first access. Will i be approved
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Daniel Howard @danielh_319
Yes if you pay the initial fee.
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TaJuana Flowers @tajuanaf
What card to use if you rebuilding credit?
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Nicole Mode @nicolem_182
Can I get any card to establish & build my credit without having a deposit?
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Shante allen @shantea_1
If I apply for a secured credit card will it lower my credit score?
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Brian Evans @briane_67
There are a few that do not do hard pulls
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Jessica Mccaully @jessicam90
Heres the thing about secured cards...I have 2 of them and did have a 3rd that eventually became unsecured after 2 solid years of paying on time. When you apply for a secured card, a deposit of $200 is usually required. You will get a hard credit inquiry on your credit report which will lower it at first. If you consistently pay AT LEAST the minimum payment (which isnt hard because its always $25 no matter how high your balance is), your credit score will go up quickly. BUT...if you miss even just one payment or if your credit use % is above 20%, your score will drop ALOT. I mean like a few months ago, I lost one of my jobs and wasnt able to pay one of my credit cards on time. My score dropped by over 30 points that month! A BIG CHANGE! But as soon as you begin paying on time again, it will go up 30 or more points. Secured cards take on time payments and low balances very seriously. More than unsecured cards. Mostly because people with bad credit are trying to rebuild their credit and the only way to do that is to make it difficult for them and make them prove they have changed their financial ways. Hope this helps
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Marcus Daniels @marcusd_46
I need a unsecured credit card
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Charles Albert @ccalbert1358
@marcusd_46: You advised people to have a credit rating of at least 660? For a "SECURED" card?! I obtained four SECURED cards with a credit score of 503 and I was able to get a Bank of America SECURED Mastercard, a USAA secured Mastercard and two credit union cards, as well as three secured loans from credit unions. If you consider 660 borderline poor credit, then there's nothing I could say or do to convert your way of thinking.
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Tamica Ward @tamicaw_4
@marcusd_46: I would advise you to “re-read” his request! He wanted an UNSECURED CARD! The criteria is different and the information I gave is sound advice for a potential applicant! I have a company to assist consumers with financial and credit literacy.
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Tamica Ward @tamicaw_4
Make sure out of all 3 of your scores your LOWEST is at at least 660 to 670 before you apply. Ask which bureau they pull from before you apply as well to ensure you’re in a good range for your score!
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Robert Horner @roberth_810
If your credit is good, go for it
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Helen Fulmer @helenf_3
How many times can I try to get approved for credit?
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Robert Horner @roberth_810
Don't push it, before you know it you'll be in trouble again.
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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