Our take

This semi-secured credit card is the ideal low-cost solution for any credit novice. You may start using it with a low deposit of just $49, and there is no annual fee. What’s more, nobody will ever know that your card is secured since it is reported as unsecured.

Details
  • Make the minimum required security deposit of $49 and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line, up to $3,000.
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
  • Pick your own monthly due date and payment method—check, online, or at a local branch.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
Pros
Low qualification requirements
Credit line may exceed your deposit
No annual fee
Cons
No rewards
No upgrade to unsecured card option
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rates and fees
Purchase regular apr
24.99%
variable
Cash advance apr
24.99%
variable
Regular annual fee
$0
Cash advance fee
3%
min $10
Foreign transaction fee
0%
Late payment fee
up to $38
Secured card details

Posting to credit bureau

Free credit score

Secured deposit
$49
Credit Limit
Can be higher
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