Secured Credit Cards
If your credit has seen better days, a secured credit card could be the financial tool you’ve been looking for. It functions just like a traditional credit card, with one key difference: you’re required to make a cash deposit to receive approval. This deposit acts as your collateral and credit limit, providing peace of mind for both you and the issuer. With so many secured credit card offers available, you’ll easily find one that suits your needs regarding eligibility requirements, interest rates, and other key details.
APPLY NOWOpenSky® Secured Visa® Credit Card
New feature! Earn up to 10% cash back* on everyday purchases
- Card Brand
Visa®
- Credit Recommended
No credit, Poor, Fair
- Annual Fee
$35
- Regular Purchase APR
24.89% (variable)
- Rewards
Up to 10% cash back rewards
- Full Details
Highlights
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
Merrick Bank Secured Credit Card
Get your FICO® Credit Score for free each month.
- Card Brand
MasterCard®
- Credit Recommended
See website for Details*
- Annual Fee
$36 for first year. Billed $3 per month thereafter
- Regular Purchase APR
22.95% Variable
- Rewards
n/a
- Full Details
Highlights
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.