Compare Secured Credit Cards

Our goal is to help you compare secured credit cards to find the one with the lowest deposit that you can manage. A secured card is valuable for building a solid credit history, especially for customers with bad (or no) credit. Secured credit cards are guaranteed by a cash deposit up to 110% of the credit limit. If you don’t pay your bills, your lender will cover your debt using your deposit. After a certain number of on-time payments as agreed, your bank will convert your card to an unsecured one. At that time, you’ll get your deposit back.

Credit score required

Issuer

Network

Introductory APR

APR for Purchases

Introductory APR for Balance Transfers

APR for Balance Transfers

Introductory APR for Cash Advances

APR for Cash Advances

Penalty APR

Grace Period

Balance Transfer Transaction Fee

Cash Advance Transaction Fee

Late Payment Penalty Fee

Returned Payment Fee

Overlimit Fee

Foreign Transaction Fee

Foreign Purchase Transaction Fee

Fee Benefits

Insurance Benefits

Security Benefits

Travel Benefits

Service Benefits

Discount Benefits

Citi® Secured Credit Card

Citi Bank Credit Cards

MasterCard®

23.99%

23.99% for transfers completed within 2 months from date of account opening.

26.74%

29.99

23 days

Either $5 or 3% of the amount of each transfer whichever is greater.

Either $10 or 5% of the amount of each cash advance whichever is greater.

Up to $39

None

3% of each purchase transaction after it's conversion into US dollars.

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BankAmericard® Secured Credit Card

Bank of America® Credit Card Offers

MasterCard®

22.24%

22.24% for Direct Deposit and Check Cash Advances, and 26.99% for Bank Cash Advances.

25 days

Either $10 or 3% of the amount of each transaction whichever is greater.

Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction whichever is greater. ATM Over-the-Counter Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction whichever is greater.

Up to $27

None

3% of the U.S. dollar amount of each transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States.

Either $10 or 5% of the amount of each transaction, whichever is greater.

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Compare Secured Credit Cards

Citi® Secured Credit Card

BankAmericard® Secured Credit Card

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