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First Progress Platinum Select MasterCard® Secured Credit Card
First Progress Platinum Prestige MasterCard® Secured Credit Card
First Progress Platinum Elite MasterCard® Secured Credit Card

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   Credit Cards : Secured Credit Cards


What Are Secured Credit Cards?


  Secured credit cards are credit cards available from a bank or other financial institution. The main requirement is that you provide some sort of collateral to secure the line of credit. While there are many credit cards requiring a person's credit score to be at least average or perhaps higher, guaranteed secured credit cards can be obtained even by someone with either a poor credit history, or no credit whatsoever.

Advantages of Guaranteed Secured Credit Cards

Using guaranteed secured credit cards could help a consumer to establish a credit history for themselves, or to rebuild a credit history that may have been damaged. Annual charges and fees are incurred with secured credit cards, just like they are with unsecured credit cards. Just like unsecured credit cards, secured credit cards may also carry annual charges and fees. Moreover, the charges on those can frequently be more than for unsecured cards. Reputable guaranteed secured credit cards issues will allow you to eventually convert to an unsecured credit card after a certain period has elapsed, during which you have established a good credit history.

Apply for Secured Credit Cards

Those with an interest to apply for secured credit cards for poor credit should take the time to review the guaranteed secured credit cards offers below. ValuePlus Financial has done all the ground work of looking for the best secured credit cards for you with less fees so that as you apply for secured credit cards, it is seamless, hassle free!


CHECKOUT SECURED CREDIT CARDS
OFFERS BELOW


Compare Secured Credit Cards
Determine which card is best for you by comparing offers side by side.

Apply Online for Secured Credit Cards
Apply for the Credit Card of your choice by filling out a secure online application.


First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard Secured Credit Card
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  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 10.74% $49 N/A Bad Credit OK*

First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard Secured Credit Card
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  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 14.74% $39 N/A Bad Credit OK*

First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard Secured Credit Card
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secured credit cards, bank secured credit cards

  • Receive Your Card More Quickly with New Expedited Processing Option
  • o Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 20.74% $29 N/A Bad Credit OK*

AUTO LOANS AND FREE CREDIT SCORE

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  • DO YOU KNOW YOUR CREDIT SCORE? See Your FREE Transunion Credit Score™* Online!
    • Get your FREE Transunion Credit Score™ & $1 Credit Report
    • Also receive a free trial to Transunion 3-Bureau Credit Monitoring
    • 24/7 credit file monitoring and alerts of key changes to your Equifax, Experian, and TransUnion credit files.
    • Ongoing access to your Transunion Credit Score™

 

How Secured Credit Cards Works

Before you can get one of these secured credit cards for poor credit, you may want to know how secured credit cards. Before you get one, you must deposit a certain amount of money with the secured credit card company. That provides collateral to secure any unpaid balances by the secured credit cards provider, especially in case of default. The credit card company will supply you with a secured credit card having a credit line equivalent to the amount of the deposit paid.

Many secured credit cards for no credit have fees attached to them, including processing fees, finance charges and an annual fee for the privilege of using the card. Keep in mind that cards carrying high fees can significantly lower your deposit and eventually your credit line. Some credit card companies will not make use of your deposit except in the case where you are heavily delinquent on payments and some will use the deposit to cover a late payment. You can even get interest on what you deposit with some providers. Beyond that, secured credit cards are used just like regular credit cards, getting statements every month on purchases and due dates for making the payments. In a nutshell, that is how secured credit cards work.

How Secured Credit Cards Can Improve Your Credit Rating

Companies issuing guaranteed secured credit cards for no credit all report their cardholders' financial activities to each of the major credit bureaus responsible for monitoring consumer credit that include TransUnion, Equifax and Experian. The plus side of this is that using secured credit cards issued by one of these companies can aid you in establishing credit in your name. Furthermore, be sure when you're asking about the way this secured credit cards company reports to big credit bureaus that it isn't telling them about the secured status, so that other lenders won't frown on this.

It is key to keep in mind that secured credit cards for no credit are best used to build up a better credit score. This indicates that the only purchases you should be making are small ones that are affordable enough for you to payback. Starting off, the worst possible thing that can happen to you is to accumulate a lot of debt on your secured credit cards. The likelihood of your getting an unsecured credit card in the future depends on your spending responsibility now.

Getting an Unsecured Credit Card

The most reliable secured credit cards providers will make sure you can change to an unsecured card after they find out that you can handle your payments responsibly. However, even if you do get your card from an institution that won't permit its conversion to an unsecured credit card, you'll eventually be able to obtain an unsecured card from other banks provided you submit all your payments on time.

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