Secured Credit Cards
Secured Credit Cards require that the individual applying for a credit card have a form of collateral or money on their account, at times allowing only for the purchase of their own products with their cards. Companies issueing unsecured credit cards provide those with poor credit an opportunity to regain good credit. You might also be provided with a card to use while reconstructing your credit.
You can choose another poor credit credit card type from the menu bar on the left or browse through the full list of our SECURED credit cards below.
Orchard Bank® Secured MasterCard®
Bad Credit — Good Secured MasterCard®!
Summary:
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Total Initial Charge: $200 minimum deposit
Late Fee: $30-$35
Overlimit Fee: $30.00
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Total Initial Charge: $200 minimum deposit
Late Fee: $30-$35
Overlimit Fee: $30.00
Features:
- Set your own credit limit starting at $200, all online
- The perfect card to start building or rebuild your credit
- Reporting monthly to all major credit bureaus
- Your choice of payment due dates to fit your schedule
- Free standard bill pay and online account management tools
- E-alerts to your email or cell phone to remind you when a payment is due
View the Credit Terms & Conditions.
New Millennium Bank Platinum Visa® or MasterCard®
NMB has guaranteed your credit approval for up to $10,000* with no credit check!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Reward Program: Travel Rewards
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Total Initial Charge: $99.95
Late Fee: $20.00
Overlimit Fee: $20.00
Reward Program: Travel Rewards
Features:
- Guaranteed* Issue
- NO credit check, EVER
- NOBODY gets turned down
- Reports to 3 major CREDIT BUREAUS
- Credit approval for up to $10,000 (with both cards)*
- YOU are APPROVED regardless of income or credit history
- Complimentary online services for account management and payments
*See Rates, Fees & Other Terms.
First PREMIER Bank Secured MasterCard®
A MasterCard® Credit Card for Those with Less than Perfect Credit!
Summary:
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard® logo
- Over 3 million credit card holders
- Enjoy the benefit of 24-hour phone account access
*See Rates, Fees & Terms for current information.
UltraVX Visa®
Now anyone can qualify for a credit card with UltraVX Visa®.
Summary:
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Total Initial Charge: $29.95
Returned Check Fee: $25.00
Late Fee: $25.00
Overlimit Fee: $25.00
Reward Program: Clear Rewards
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Total Initial Charge: $29.95
Returned Check Fee: $25.00
Late Fee: $25.00
Overlimit Fee: $25.00
Reward Program: Clear Rewards
Features:
- Credit-On Demand™*: up to $25,000 credit line
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
Centennial® Secured MasterCard®
A Secured Card that Reports monthly to 4 Major Credit Bureaus
Summary:
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
Total Initial Charge: $200 minimum deposit*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- A MasterCard® for Those With Less Than Perfect Credit
- Enjoy the Benefit of 24 hour Account Access by Phone
- Accepted where you see the MasterCard® Logo
- Over 3 Million Card Holders
- Quality Customer Service
*See Rates, Fees & Terms for current information.
Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Summary:
Ongoing APR: N/A
Total Initial Charge: $9.95
Reward Program: Wired Points™
Ongoing APR: N/A
Total Initial Charge: $9.95
Reward Program: Wired Points™
Features:
- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.
MyCreditCardFinder
One site, dozens of offers tailored to you!
Summary:
Ongoing APR: N/A
Ongoing APR: N/A
Western Union® Prepaid MasterCard®
Credit problem? No problem!
Summary:
Ongoing APR: N/A
Total Initial Charge: $9.95
Overlimit Fee: $25.00
Ongoing APR: N/A
Total Initial Charge: $9.95
Overlimit Fee: $25.00
Features:
- Carry your money safely and conveniently.
- Shop online anywhere MasterCard debit cards are accepted.
- Check your Card balance anytime online or over the phone.
- Reload your Card at any participating Western Union Agent location in the United States.
- No credit checks! No lengthy applications!
- Shop wherever MasterCard debit cards are accepted — even online
- Efficiently manage your money and pay bills because you control how much you put on the Card.
- Easy to Get, Easy to Use
- The power of cash. The convenience of plastic.