RateHerald

No link on RateHerald pays us today. When some do, they'll say so, and they'll never change a ranking. How we make money

Secured credit cards

Cards backed by a deposit, for building or rebuilding credit. 49 cards.

Checked Oct 4, 2026October 2026 list

No card here matches both. Clear a filter to see more.

Sorted by: Lowest annual fee first, then the lowest APR.

  1. MauiFed VISA SECUREDMaui Federal Credit Union$0 a year, 6.99% APR
  2. VISA PLATINUM REWARDS/VISA PLATINUM SELECT/VISA PLATINUM SECUREDSouthpoint Financial Credit Union$0 a year, 7.00–18.00% APR
  3. Visa SecuredColoramo Federal Credit Union$0 a year, 7.90% APR
  4. Secured Visa / Credit Builder VisaSummit Credit Union$0 a year, 8.95–16.95% APR
  5. 9.9% Share Secured VisaMid American Credit Union$0 a year, 9.90% APR
  6. Visa SecuredPublix Employees Federal Credit Union$0 a year, 9.90% APR
  7. LCCU Secured Visa Credit CardLatino Community Credit Union$0 a year, 11.25% APR
  8. Sacramento Credit Union Platinum, Platinum Rewards and Secured VisaSacramento Credit Union$0 a year, 11.50–21.40% APR
  9. Anchor & Anchor Secured VisaLighthouse Federal Credit Union$0 a year, 12.49% APR
  10. Premier Visa Credit Card & Premier Visa Secured Credit CardGreenwood Credit Union$0 a year, 12.49–21.00% APR
  11. Secured Low Rate Credit CardBECU$0 a year, 12.49–23.49% APR
  12. Secured SMART Credit CardOrlando Credit Union$0 a year, 13.24–18.00% APR
  13. Share Secured Credit CardsSouthwest 66 Credit Union$0 a year, 13.49–14.24% APR
  14. Share-Secured MastercardSchoolsFirst$0 a year, 13.90% APR
  15. 14.9% Share Secured VisaMid American Credit Union$0 a year, 14.90% APR
  16. JOPLIN METRO CREDIT UNION SECURED VISAJoplin Metro Credit Union$0 a year, 15.90% APR
  17. Share Secured VisaDel-One Federal Credit Union$0 a year, 15.90% APR
  18. VISA Secured Credit CardMatanuska Valley Federal Credit Union$0 a year, 16.00% APR
  19. Secured PlatinumJonah Bank Of Wyoming$0 a year, 16.25% APR
  20. Visa SecuredMaui County Federal Credit Union$0 a year, 17.50% APR
  21. cashRewards Secured Credit CardNavy Federal$0 a year, 18.00% APR
  22. WyHy Visa SecuredWyhy Federal Credit Union$0 a year, 18.00% APR
  23. Secured Credit CardM&T Bank$0 a year, 18.74% APR
  24. PNC Secured Credit CardPNC$0 a year, 24.24–26.24% APR
  25. BankAmericard® Secured Credit CardBank of America$0 a year, 26.24% APR
  26. Citi® Secured Mastercard® - Secured Credit CardCiti$0 a year, 26.24% APR
  27. Truist Enjoy Cash Secured Credit CardTruist$0 a year, 26.74% APR
  28. Business Advantage Unlimited Cash Rewards Secured Business Credit CardBank of America$0 a year, 26.99% APR
  29. Bank of America® Secured Travel Rewards Credit CardBank of America$0 a year, 27.74% APR
  30. Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America$0 a year, 27.74% APR
  31. Cash Rewards Secured Credit CardBank of America$0 a year, 27.74% APR
  32. Credit One Bank Secured CardCredit One$0 a year, 28.74–30.49% APR
  33. Platinum SecuredCapital One$0 a year, 28.99% APR
  34. Quicksilver Secured RewardsCapital One$0 a year, 28.99% APR
  35. Cash+ Secured Visa Cash Back Credit CardUS Bank$0 a year
  36. Platinum, Cash Back, Secured CardRivermark Community Credit Union$0 a year
  37. SecuredCarolina Cooperative Federal Credit Union$0 a year
  38. Secured Chime Visa Credit CardStride Bank, National Association$0 a year
  39. Secured MasterCardSunwest Federal Credit Union$0 a year
  40. Secured VisaAvadian Credit Union$0 a year
  41. Share SecuredPolice Federal Credit Union$0 a year
  42. Share Secured Credit BuilderPolice Federal Credit Union$0 a year
  43. USAA Secured American Express Credit CardUSAA$0 a year
  44. Visa Platinum Enjoy Rewards, Smart Card Classic, Smart Card Credit Builder, Smart Card SecuredSouthland Credit Union$0 a year
  45. Visa Platinum, Visa Classic, Visa SecuredNuvista Federal Credit Union$0 a year
  46. Fifth Third Secured Credit CardFifth Third$24 a year, 27.74% APR
  47. Secured Visa Credit CardFNBO$35 a year, 26.49–26.99% APR
  48. Business Edition® Secured Mastercard® Credit CardFNBO$39 a year, 24.24% APR
  49. Secured Platinum RewardsJonah Bank Of Wyoming$50 a year, 16.25% APR

Credit card payoff calculator

We sort by the measure named above and nothing else, and no link here pays us. Our pledge