- 1 6 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison
- 2 5 Best Secured Credit Cards With $500 Deposits or Less
- 3 Credit Cards For Poor Credit No Deposit *** Guaranteed Approval Unsecured Credit Card *** Best Unsec
- 4 Credit Cards for Poor Credit Scores and No Credit History
6 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison
How’s your credit these days?
If you’d prefer not to answer that question, you’re not alone. Millions of Americans have imperfect credit due to bankruptcy, foreclosure, crushing medical or student loan debts, and other financial black marks. A bad credit score can affect your ability to secure an affordable home loan, rent an apartment, get a cell phone, and even find a job. While credit counseling and debt management plans can help you repair your credit over time, there’s no magic cure.
For other folks, the problem isn’t bad credit so much as no credit. Consumers who haven’t previously used credit are ciphers to lenders and credit card companies, which are understandably wary about lending to people without a track record of timely repayments.
Whether you’re dealing with the negative effects of bad credit, or simply don’t have much of a credit history to speak of, applying for a secured credit card could end up being a critical first step on your path out of the credit wilderness.
Most credit cards are unsecured. Unsecured cardholders aren’t required to put up any collateral before using their cards.
Secured credit cards are different. They require cardholders to make cash deposits, usually equal to (and sometimes greater than) their initial credit limits, before making charges. These deposits, and the corresponding credit limits, are often low compared to unsecured credit cards’ spending limits – rarely more than $500 at the outset. Over time, issuers reward cardholders for timely payments by increasing their spending limits, in many cases without asking for an additional deposit.
Secured card issuers scrupulously report cardholders’ spending and payment patterns to consumer credit bureaus. For cardholders who use their cards judiciously and make timely payments, this builds and improves credit over time. For cardholders who pay their balances late or not at all, or max out their cards’ spending limits, this ongoing reporting can have negative consequences.
Many cardholders use secured cards temporarily, for credit-building or -improvement purposes. Once their credit is on better footing, they close their accounts and receive their deposits back. Many secured credit card issuers allow cardholders in good standing to graduate to unsecured credit cards after a year or two, eliminating the hassle of closing accounts and applying for new cards.
With these basics in mind, here is a look at the best available secured credit cards.
1. Capital One® Secured MasterCard®
Minimal Fees; Possibility of Credit Limit Greater Than Initial Deposit; Credit Limit Increases Without Additional Deposits
The Capital One Secured MasterCard is one of the few secured credit cards that entitles some cardholders to a credit limit greater than their initial deposit. It’s also noteworthy for comparatively low fees and a smooth process for qualifying for credit limit increases. Said increases don’t necessarily require additional cash deposits, further reducing the card’s cost. This card reports payments and credit utilization to all three major consumer credit bureaus: Experian, Equifax, and TransUnion.
Deposit Requirements, Benefits, and Restrictions
The Capital One Secured MasterCard requires a minimum refundable security deposit of $49, $99, or $200, depending on your credit profile. You need to make the deposit within 80 days of applying for the card. Regardless of your deposit size, your initial credit limit is at least $200. It can range up to $3,000, depending on your creditworthiness.
To raise your credit limit, you can make additional deposits in $20 increments, up to the $3,000 maximum. If you demonstrate a pattern of reliable payments over several consecutive billing cycles, you may qualify for a credit limit increase without an additional deposit. Capital One has sole discretion over amount and frequency of these “free9rdquo; credit limit increases.
- Fees: There’s no annual fee or foreign transaction fee. Cash advances cost the greater of $10 or 3% of the advanced amount, plus a 24.99% APR. Late payments cost $35 each. You can’t use this card for balance transfers.
- APR: The purchase APR is 24.99%. It varies depending on prevailing interest rates. Notably, there’s no penalty APR.
- Other Perks: You get free, unlimited access to your credit score through the Capital One Credit Tracker, which also includes a “what-if simulator” that lets you run different scenarios to predict changes in your credit score and debt load.
See our Capital One Secured Card Review for more information. Find out how you can apply for this card here.
Reasonable APR; Relatively High Credit Limit
The Citi Secured MasterCard has roughly average fees and APRs. Its credit limit is above average, making it ideal for cardholders with high spending needs. However, the credit limit is always identical to the deposited amount – there’s no way to increase your credit limit without making an additional deposit. Also, Citi automatically denies card applicants who’ve recorded a bankruptcy within the past two years – a harsher position than some other secured card issuers.
Deposit Requirements and Benefits
Once you’re approved for the Citi Secured MasterCard, you have 30 days to deposit as little as $200 or as much as $5,000. You can make additional deposits to raise your credit limits, but your funds are tied up for at least 18 months and don’t earn interest during that time.
f you make timely payments for the duration, Citi may elect to return your deposit and allow you to continue using your card. Your payment and credit utilization patterns are automatically reported to all three consumer credit bureaus.
- Fees. There’s a $25 annual fee. Foreign transactions cost 3%. Cash advances cost the greater of $10 or 5%, and balance transfers cost the greater of $10 or 3%. Late and returned payments cost $35 each.
- APR. The regular purchase and balance transfer APR is 21.99% and varies depending on prevailing interest rates. The cash advance APR is 25.24%, and the penalty APR ranges up to 29.99%.
- Other Perks. Citi’s perks include complementary auto insurance on car rentals charged to your card, as well as zero-liability fraud protection.
3. OpenSky® Secured Visa® Credit Card
Low APR and Reasonable Fees; No Credit Check Necessary With Application
Although it comes with a moderate annual fee, the OpenSky Secured Visa credit card boasts one of the lower secured credit card APRs around. It also doesn’t require a credit check with your application, meaning it’s a great choice for folks with poor or spotty credit. Negatives include a maximum credit limit lower than some competing cards and no balance transfers.
Deposit Requirements and Benefits
To get started with the OpenSky Secured Visa, you need to make an upfront refundable deposit of at least $200. Your deposit can be as high as $3,000, depending on your creditworthiness. Your credit limit is always equal to your deposited amount.
OpenSky reports to all three credit reporting bureaus. One significant drawback is that unlike some other issuers, the OpenSky Secured Visa doesn’t allow for a transition from secured to unsecured. You can keep your account open as long as you like, but you don’t receive your security deposit back until you request to cancel the card and pay your balance in full.
- Fees. There’s a $35 annual fee. Cash advances cost the greater of $6 or 5% of the advanced amount. Late payments cost $27, and returned payments cost $25. Foreign transactions run 3% of total transaction amount.
- APR. The regular purchase and cash advance APR is 17.64%, depending on prevailing interest rates. The penalty APR ranges up to 21.99%. Notably, OpenSky doesn’t charge interest during the first billing cycle. In other words, there’s effectively a one-month 0% introductory APR.
- Other Perks. OpenSky has lots of credit education material for inexperienced credit users. It also has other financial products, including home loans and consumer bank accounts, through Capital Bank, its parent company.
Find out how you can apply for this card here.
Reasonable APR; Laid-Back Credit History Requirements; Earn Interest on Your Deposit
The U.S. Bank Secured Visa Card’s biggest advantages include easy approval for applicants with poor credit and a reasonable APR (relative to other secured credit cards). The unusually long grace period of up to 30 days, compared with the more typical 20- to 25-day grace period for this card class, is a useful backstop against late payments. Drawbacks include somewhat high fees.
Deposit Requirements and Benefits
To get started with the U.S. Bank Secured Visa Card, you need to make a deposit of at least $300 and as much as $5,000, depending on your creditworthiness. Your credit limit is always equal to your deposit amount. Said deposit is held in an FDIC-insured, interest-bearing (0.05% to 0.10% APY) U.S. Bank savings account, rather than a no-interest escrow account, as is the case with the Citi Secured MasterCard.
If you make timely payments for at least 12 months, you’ll likely qualify for an unsecured credit card and receive your security deposit back in full, with interest.
- Fees. There’s a $29 annual fee. Late payments cost $35, and returned payments run $38. Balance transfers cost the greater of $5 or 3% of the transferred amount, while cash advances cost the greater of $10 or 4%. Foreign transactions cost 2% when denominated in U.S. dollars, and 3% when denominated in foreign currency.
- APR. The regular purchase and balance transfer APR is 19.24%, variable with prevailing interest rates. The cash advance APR is 24.24%.
- Other Perks. The U.S. Bank Secured Visa Card comes with nice fringe benefits, including complementary insurance when you charge a car rental purchase to your card.
Find out how you can apply for this card here.
5. Wells Fargo Secured Visa® Credit Card
High Credit Limit; Reasonable APR
The Wells Fargo Secured Visa Credit Card comes with a very high credit limit ($10,000) and boasts a reasonable APR (19.24%). Fees are a bit on the high side, but not overwhelming. Wells Fargo shares your payment and credit utilization information with all three credit reporting bureaus.
Deposit Requirements and Benefits
To get started with the Wells Fargo Secured Visa Credit Card, you need to make a deposit of at least $300 and no more than $10,000. Your deposit is your credit limit, and you can add more funds at any time. After 12 months of timely payments, Wells Fargo reviews your account and may upgrade you to an unsecured arrangement, refunding your security deposit in exchange.
- Fees. There’s a $25 annual fee. Balance transfers cost the greater of $5 or 5% of the transferred amount. Cash advances cost $10 or 5%. Late and returned payment fees run $37. Foreign transactions cost 3% of the total transaction amount.
- APR. The regular purchase and balance transfer APR is 19.24%, variable based on prevailing interest rates. The cash advance APR is 24.24%.
- Other Perks. Wells Fargo offers numerous fringe benefits, including a cell phone insurance policy (up to $600 to cover loss or damage) for devices purchased with the card.
Find out how you can apply for this card here.
6. Merrick Bank Secured Visa® Card
Relatively Low APR; Relaxed Credit Standards
Merrick Bank’s Secured Visa credit card makes no bones about being for consumers with poor credit. Its approval standards are very laid back, so it’s definitely worthwhile to apply even if you’ve been denied by other secured credit card issuers. A relatively low APR helps with the ongoing cost of the card, though higher than average annual fees cut into those savings.
Annoyingly, you’re not allowed to make balance transfers with this card. Merrick Bank does report your payment and credit utilization information to all three credit bureaus though.
Deposit Requirements and Benefits
Merrick Bank lets you deposit as little as $200 or as much as $3,000. You’re encouraged to deposit as much as you feel comfortable depositing – your deposit isn’t limited by your credit profile, only by Merrick’s $3,000 limit. Your credit limit is always equal to your deposit amount. Your deposit is FDIC-insured, but doesn’t earn interest.
Merrick Bank doesn’t automatically convert its Secured Visa into an unsecured card. If you want to graduate to an unsecured card, you need to apply for a Merrick Bank (or other issuer’s) unsecured card. To get your deposit back, you need to close your Secured Visa Card account.
- Fees. There’s a $36 annual fee for the first year and a $3 monthly fee thereafter. The cash advance fee is the greater of $10 or 4% of the advanced amount. Foreign transactions cost 2% of the total transaction amount. Late and returned payments both cost $38.
- APR. The regular purchase APR is 17.70%, and the cash advance APR is 22.70%.
- Other Perks. You’re entitled to a free FICO score every month your account is active. Merrick Bank also offers RV loans, which come in handy for folks who want to take road trips or cross-country driving vacations in comfort.
Find out how you can apply for this card here.
Each secured credit card on this list is designed to boost folks with poor credit or spotty credit histories. However, they can’t single-handedly dig their users out of financial holes or accelerate them painlessly down the road to the promised land of easy, low-cost credit.
Building and improving credit takes time and discipline. In addition to applying for a secured credit card and making timely, in-full payments, follow these straightforward tips:
- Pay all bills, including utility bills and rent payments, on time
- Keep your debt utilization ratio – the sum of your credit balances divided by the sum of your credit limits – below 30%, if possible
- Don’t open multiple accounts at once
- Avoid closing too many accounts at once
- Check your credit score regularly and remember to order your free annual credit report from AnnualCreditReport.com
If you play your cards right, you could find your credit situation significantly improved in less time than you ever thought possible.
Do you use secured credit cards? Which is your favorite?
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
5 Best Secured Credit Cards With $500 Deposits or Less
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Compare secured credit cards at Creditcards.com and re-establish or establish. Once approved, your minimum security deposit amount of $200 or more will.
In order to be eligible for a secured credit card, you must provide a minimum deposit. This deposit typically serves as your line of available credit, but in same.
If you have bad credit, secured credit cards can help you get your score up. There's a catch, though: You'll need to put down a security deposit.
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A secured credit card uses money you place in a security deposit account as collateral. Your credit line is based on your income, ability to pay and the amount of.
Note: If you type in the credit card information manually, it will take more than 24 hours for the money to deposit into your account. It usually.
Make the minimum required security deposit and you'll get an initial credit line of. Complete and submit your application for a Capital One Secured Credit Card.
First home buyers consider credit cards to cover deposit shortfall – Domain
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Secured credit cards require a cash deposit and are commonly used to build credit. If you have had trouble getting approved for an unsecured card in the past,.
» It's tough to get deposit with credit card without a credit card.
You need one to make a hotel or plane reservation, or to rent a car, even if you plan to pay cash.
Responsible use of a credit deposit with credit card builds a good credit rating, too, marking the owner as mortgage-worthy.
But people who have never had credit or need to repair a poor credit history may not qualify for a regular credit card.
For them, a secured credit card may be the only way to establish, or re-establish, credit.
If you need to build credit, here are the answers to the top continue reading questions about secured credit cards.
What is a secured credit card?
A secured card requires a cash collateral deposit that becomes the credit line for that account.
You may be able to add to the deposit to extend your credit, or sometimes a bank will reward article source for good payment and add to your credit line without requesting additional deposits.
Where can I get deposit with credit card secured credit card?
If you're a credit union member, ask about a secured card there.
Many credit unions offer secured cards to their members and may offer lower interest rates and waive annual fees.
What deposit with credit card of charges will there be?
This is where it pays to shop around.
Most secured cards do charge an annual fee, and they vary dramatically.
Read the fine print.
Some people have gotten secured cards and have seen their entire deposit and credit limit eaten up by fees before they ever used the card.
How much money do I have to deposit?
Again, the amount will vary by payouts planet 7 casino card.
Your credit limit will either be the amount of your deposit or some percentage above that amount.
Do all banks offer secured credit cards?
Still, secured cards are a good choice - and sometimes the only option - for people who are just starting out or rebuilding after a major life event, such as a divorce, job loss or serious illness.
In addition, some issuers give secured cards only to people who are new visit web page credit - not those who have already had one crack and blew it.
Are deposit with credit card any problems to watch out for?
Howard Dvorkin, chairman of Debt.
They have low fees and treat customers as customers instead of as cattle.
The bad ones take advantage and extort the clients because of deposit with credit card situations.
Then there's the ugly, which are completely despicable.
You should gather plenty of information when you apply for a card.
In addition, pay attention to such important items as interest rates, fees and the required deposit.
Does the issuer report to all 3 major credit bureaus?
The reason for having a secured card goes far beyond being able to betsson casino bonus code 2014 things online.
It's a vehicle for building a good credit history.
If the issuer doesn't report, you've lost deposit with credit card major benefit.
Tip: If you start getting mailers offering you unsecured cards after you've made several months of payments on time, you'll know that the bank is reporting.
Ask if the issuer will flag the report to the credit deposit with credit card as a secured card.
Consumer Action points out that such a flag could be a deterrent to rebuilding credit.
You can also learn for yourself whether your issuer is reporting by checking your credit reports.
Do it for free at.
How long does it take to qualify for an unsecured card?
The card issuer should want to keep you as a customer, so most will qualify you for an unsecured card after a period in which you've made all of your payments on time.
The average is about a year.
Will your deposit earn interest?
Also, find out how long the money has to stay on deposit after the account is closed.
Some banks will want to keep the deposit for a couple of billing cycles to cover any stray charges that arrive.
How can I make the best use of a secured card to build my credit rating?
Buy a few things and pay off the card every month.
While secured cards make sure you never spend more money than you can afford, it's not a good idea to keep one any longer than you have to, experts say.
Secured cards have higher annual fees and interest rates than regular, unsecured cards.
If you have enough discipline to use a secured card responsibly, you have enough to use an unsecured card and set up a better savings program on your own.
Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers.
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The best balance transfer credit cards offer lengthy interest-free periods, low fees and lenient late-payment policies.
Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website.
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So, you need a credit card, but you've got poor credit or no credit history. What do you do? The cards listed below can help you build credit for the first time, or rebuild your credit back to where it used to be.
Many of the cards you'll be looking at are secured credit cards, where you secure a small line of credit through a cash deposit. This helps prevent overspending, which can lead to bad credit behavior. Also, these cards regularly report your credit activity to major credit bureaus, so good behavior is quickly rewarded with an increase in your credit score. Finally, depending on the card, you may or may not have an annual fee associated with the card as well. Don't delay your opportunity to build your credit up; browse credit cards for poor credit below, courtesy of our partners. Our online application portal is very secure to ensure your information is safe.