SuperOffers Secured Cards | CreditCards.com

Discover it® Secured Credit Card

Our rating:4.1

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

2%: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%: Earn unlimited 1% cash back on all other purchases.

Intro offer: Cashback Match Intro Offer: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.

Annual fee: $0

Regular APR: 26.49% Variable APR

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 3.3
APR: 1.3
Features: 2.5

Highlights

No credit score required to apply. No Annual Fee.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
Intro Offer: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Get an alert if we find your Social Security number on the dark web. Activate for free.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 26.49% Variable APR
Intro Balance Transfers APR: 10.99% intro APR for 6 months

opensky® Secured Visa® Credit Card

Our rating:3.0

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Up to 10%: Earn up to 10% cash back on everyday purchases

Intro offer: No current offer

Annual fee: $35

Regular APR: 23.89% (variable)

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.0

Rating methodology

Cost of Membership: 2.5
Ease of Building Credit: 2.9
APR: 4.5
Features: 0.0

Highlights

Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!

Rates & Fees

Annual Fee: $35
Intro Purchase APR: N/A
Regular APR: 23.89% (variable)
Intro Balance Transfers APR: N/A

Chime Card™

Our rating:4.2

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

1.5%: Earn 1.5% cash back² on rotating categories with Chime+ status.³

Intro offer: No current offer

Annual fee: None

Regular APR: N/A

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 5.0
APR: 1.0
Features: 2.5

Highlights

A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.
Credit building, stress-free.¹
Earn 1.5% cash back² on rotating categories with Chime+ status.³
SpotMe® on Credit.⁴
No interest⁵, no credit check.
Over 47,000 fee-free ATMs.⁶
Fee-free in-network cash deposits.⁷
¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
²With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
³To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.
⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.
⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.. and may be used everywhere Visa credit cards are accepted.

Rates & Fees

Annual Fee: None
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Capital One Quicksilver Secured Cash Rewards Credit Card

Our rating:3.5

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Rewards rate

5%: Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
1.5%: Earn unlimited 1.5% cash back on every purchase, every day

Intro offer: No current offer

Annual fee: $0

Regular APR: 28.99% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.5

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 1.5
APR: 2.0
Features: 5.0

Highlights

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get at least a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Top rated mobile app

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 28.99% (Variable)
Intro Balance Transfers APR: N/A

Capital One Platinum Secured Credit Card

Our rating:4.2

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $0

Regular APR: 28.99% variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 2.5
APR: 2.0
Features: 3.8

Highlights

No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Top rated mobile app

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 28.99% (Variable)
Intro Balance Transfers APR: N/A

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