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SECURED CREDIT CARDS
You need collateral to get a Secured Credit Cards. In most cases, the security deposit, at the least, equals the credit limit on the card. Your collateral can range from a vehicle through personal valuables to stocks or bonds.
Cards, that help you rebuild your credit, usually come with low credit lines (less than $500) and often have fees like application and monthly maintenance fees. Be sure to read their terms and conditions carefully to check their "initial charges" before applying. These additional fees and lower credit lines are O.K. if one of the secured credit cards helps you in improving your credit rating.
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- 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.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: 7.90%-14.90%
Total Initial Charge: $200 minimum deposit
Annual Fee: $0-$35
Late Fee: $30-$35
Overlimit Fee: $30.00
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
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- 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
Issuer: MetaBank
Ongoing APR: 14.9%
Total Initial Charge: $29.95
Monthly Fee: $6.95
Late Fee: $25.00
Overlimit Fee: $25.00
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Credit Line: Up to $25,000
Reward Program: Clear Rewards
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- 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.
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Total Initial Charge: $99.95
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Grace Period: None
Credit Line: $300 to $5,000/card
Reward Program: Travel Rewards
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 19.9%*
Total Initial Charge: $200 minimum deposit*
Annual Fee: $69.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: $200 to $5,000*
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- Simple and Easy to use
- Review up to 10 different credit card offers
- Find a credit card at no cost
- Free credit related information
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 19.9%*
Total Initial Charge: $200 minimum deposit*
Annual Fee: $69.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: $200 to $5,000*
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Secured credit cards require you to have collateral or money on your account to cover them. When you have no credit or have bad credit, secured credit card issuers might give you the opportunity to establish or re-establish your credit, issuing you with a secured card that you can use until your credit rating improves.
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