RateHerald

Ranked by the lowest annual fee

Secured credit cards

Cards backed by a deposit, for building or rebuilding credit. 50 cards.

Checked Oct 12, 2026

November 2026 listUpdated

45 secured cards cost $0 a year; the lowest APR among them is 6.99% APR.

$0​a yearthe lowest annual fee

50cards, all of them listed

45with no annual fee

No card here matches both. Clear a filter to see more.

Sorted by lowest annual fee first, then the lowest APR.

  1. 1MauiFed VISA SECUREDMaui Federal Credit UnionAnnual fee$0Purchase APR6.99%Intro APRNone
  2. 2Southpoint Financial CU VISA PLATINUM REWARDS/VISA PLATINUM SELECT/VISA PLATINUM SECUREDSouthpoint Financial Credit UnionAnnual fee$0Purchase APR7.00–18.00%Intro APRNone
  3. 3Coloramo FCU Visa SecuredColoramo Federal Credit UnionAnnual fee$0Purchase APR7.90%Intro APRNone
  4. 4Secured Visa / Credit Builder VisaSummit Credit UnionAnnual fee$0Purchase APR8.95–16.95%Intro APRNone
  5. 5Mid American CU 9.9% Share Secured VisaMid American Credit UnionAnnual fee$0Purchase APR9.90%Intro APRNone
  6. 6Publix Employees FCU Visa SecuredPublix Employees Federal Credit UnionAnnual fee$0Purchase APR9.90%Intro APRNone
  7. 7LCCU Secured Visa Credit CardLatino Community Credit UnionAnnual fee$0Purchase APR11.25%Intro APRNone
  8. 8Sacramento Credit Union Platinum, Platinum Rewards and Secured VisaSacramento Credit UnionAnnual fee$0Purchase APR11.50–21.40%Intro APR0% for 6 mothen 11.5–21.4%
  9. 9Anchor & Anchor Secured VisaLighthouse Federal Credit UnionAnnual fee$0Purchase APR12.49%Intro APRNone
  10. 10Greenwood CU Premier Visa Credit Card & Premier Visa Secured Credit CardGreenwood Credit UnionAnnual fee$0Purchase APR12.49–21.00%Intro APRNone
  11. 11Secured SMART Credit CardOrlando Credit UnionAnnual fee$0Purchase APR13.24–18.00%Intro APRNone
  12. 12Share Secured Credit CardsSouthwest 66 Credit UnionAnnual fee$0Purchase APR13.49–14.24%Intro APRNone
  13. 13SchoolsFirst Share-Secured MastercardSchoolsFirstAnnual fee$0Purchase APR13.90%Intro APRNone
  14. 14Mid American CU 14.9% Share Secured VisaMid American Credit UnionAnnual fee$0Purchase APR14.90%Intro APRNone
  15. 15JOPLIN METRO CREDIT UNION SECURED VISAJoplin Metro Credit UnionAnnual fee$0Purchase APR15.90%Intro APRNone
  16. 16Del-One FCU Share Secured VisaDel-One Federal Credit UnionAnnual fee$0Purchase APR15.90%Intro APRNone
  17. 17Matanuska Valley FCU VISA Secured Credit CardMatanuska Valley Federal Credit UnionAnnual fee$0Purchase APR16.00%Intro APRNone
  18. 18Jonah Bank Of Wyoming Secured PlatinumJonah Bank Of WyomingAnnual fee$0Purchase APR16.25%Intro APRNone
  19. 19Maui County FCU Visa SecuredMaui County Federal Credit UnionAnnual fee$0Purchase APR17.50%Intro APRNone
  20. 20cashRewards Secured Credit CardNavy FederalAnnual fee$0Purchase APR18.00%Intro APRNone
  21. 21WyHy Visa SecuredWyhy Federal Credit UnionAnnual fee$0Purchase APR18.00%Intro APRNone
  22. 22M&T Bank Secured Credit CardM&T BankAnnual fee$0Purchase APR20.99%Intro APRNone
  23. 23PNC Secured Credit CardPNCAnnual fee$0Purchase APR24.24–26.24%Intro APRNone
  24. 24BECU Secured Low Rate Credit CardBECUAnnual fee$0Purchase APR25.49%Intro APR0% for 12 mothen 25.49%
  25. 25Citi® Secured Mastercard®CitiAnnual fee$0Purchase APR26.24%Intro APRNone
  26. 26Business Advantage Unlimited Cash Rewards Secured Business Credit CardBank of AmericaAnnual fee$0Purchase APR26.99%Intro APRNone
  27. 27Truist Secured rewards Visa® credit cardTruistAnnual fee$0Purchase APR26.99%Intro APRNone
  28. 28Bank of America® Secured Travel Rewards Credit CardBank of AmericaAnnual fee$0Purchase APR27.74%Intro APRNone
  29. 29Bank of America® Unlimited Cash Rewards Secured Credit CardBank of AmericaAnnual fee$0Purchase APR27.74%Intro APRNone
  30. 30Cash Rewards Secured Credit Card from Bank of AmericaBank of AmericaAnnual fee$0Purchase APR27.74%Intro APRNone
  31. 31Credit One Bank Secured CardCredit OneAnnual fee$0Purchase APR28.74–30.49%Intro APRNone
  32. 32Capital One Platinum Secured credit cardCapital OneAnnual fee$0Purchase APR29.24%Intro APRNone
  33. 33Quicksilver Secured RewardsCapital OneAnnual fee$0Purchase APR29.24%Intro APRNone
  34. 34US Bank Cash+ Secured Visa Cash Back Credit CardUS BankAnnual fee$0Purchase APRNot statedIntro APRNone
  35. 35Rivermark Community CU Platinum, Cash Back, Secured CardRivermark Community Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  36. 36Carolina Cooperative FCU SecuredCarolina Cooperative Federal Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  37. 37Secured Chime Visa Credit CardStride Bank, National AssociationAnnual fee$0Purchase APRNot statedIntro APRNone
  38. 38Sunwest FCU Secured MasterCardSunwest Federal Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  39. 39Avadian CU Secured VisaAvadian Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  40. 40US Bank Secured Visa® Credit CardUS BankAnnual fee$0Purchase APRNot statedIntro APRNone
  41. 41Police FCU Share SecuredPolice Federal Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  42. 42Share Secured Credit BuilderPolice Federal Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  43. 43U.S. Bank Altitude® Go Secured Visa® CardUS BankAnnual fee$0Purchase APRNot statedIntro APRNone
  44. 44Visa Platinum Enjoy Rewards, Smart Card Classic, Smart Card Credit Builder, Smart Card SecuredSouthland Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  45. 45Nuvista FCU Visa Platinum, Visa Classic, Visa SecuredNuvista Federal Credit UnionAnnual fee$0Purchase APRNot statedIntro APRNone
  46. 46Fifth Third Secured Credit CardFifth ThirdAnnual fee$24Purchase APR27.99%Intro APRNone
  47. 47TD Cash Secured Credit CardTD BankAnnual fee$29Purchase APR26.74%Intro APRNone
  48. 48FNBO Secured Visa Credit CardFNBOAnnual fee$35Purchase APR26.49–26.99%Intro APRNone
  49. 49Business Edition® Secured Mastercard® Credit CardFNBOAnnual fee$39Purchase APRVariable 24.24% APRIntro APRNone
  50. 50Jonah Bank Of Wyoming Secured Platinum RewardsJonah Bank Of WyomingAnnual fee$50Purchase APR16.25%Intro APRNone
Credit card payoff calculator

We sort by the measure named above and nothing else, and no link here pays us. Values, first-year values included, are for our typical spender ($2,500 a month of spending), from each card’s published terms; “Needs $… a month” marks a bonus whose spending requirement is above that pace. Our pledge