Best Secured Credit Card Applications
UltraVX Visa®
- Credit-On Demand™: up to $25,000 credit line—Patent Pending
- 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
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | 14.90%* | $0.00* | No* | Bad Credit* |
New Millennium Bank Secured Gold Visa® or MasterCard®
- Approved regardless of credit history*
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | 19.50%* | $59.00* | No* | Bad Credit* |
New Millennium Bank Secured Black Diamond Visa® or MasterCard®
- Approved regardless of credit history*
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| N/A* | N/A* | 19.50%* | $59.00* | No* | Bad Credit* |
New Millennium Bank Secured Platinum Visa® or MasterCard®
- Guaranteed Issue*
- Complimentary online services for account management and payments
- No credit check*
- Be approved regardless of income or credit history*
- Reports to the three major credit bureaus
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0.00%* | 0 months* | 19.50%* | $0.00* | Yes* | Bad Credit* |
Platinum ZeroTM Secured Visa® Credit Card from Applied Bank®
- Zero - 0% Fixed APR on Purchases - No Intro Rates
- Zero - 0% Rate Won't Change - Even If You're Late
- Zero Turn Downs- Guaranteed Approval*
- Zero Credit and Income Requirements
- Zero Application Fees
- Zero Hassles - Just Choose Your Credit Limit up to $5,000*
- Zero Delays - Timely Credit Bureau Reporting
- * Requires identity and residence verifcation and minimum deposit amount of $500 up to $5,000. See Card Terms and Conditions
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0%* | N/A* | 0.00%* | See website* | No* | Bad Credit* |
Public Savings Bank Classic Visa®
- 0% APR on purchases for 6 months
- No annual or monthly fees
- 25 day grace period
- We report to all 3 credit bureaus
- No credit, income or employment requirements
- Use the card everywhere you see Visa logo
- Free fraud protection against unauthorized use
- No penalty APR
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
|---|---|---|---|---|---|
| 0.00%* | 6 months* | 11.24%* | None* | No* | Bad Credit* |
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For those struggling with poor or nonexistent credit, a secured credit card may be a feasible option. Basically, a secure credit card is secured by a deposit ranging anywhere from 10% to 100% (or more!) of the full line of credit being requested, to be held in escrow in case the card holder fails to make regular payments. We have provided you with a list of the best secured credit card applications online.Here are some important things to consider with regards to secured credit cards. First of all, if you already have bad credit, a secure card is one option that will help you to rebuild your credit. It is not always a convenient option though, because it requires you to deposit your own money into the escrow account.
One of the dangers of secured credit cards is the higher interest rates often associated with them. Its is only natural for the Banks to charge a higher APR when a consumer has poor credit, however if you want to apply for a secured credit card then you should do so with the intention of using it as a tool to improve your credit score.