Best Secured Credit Cards — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Secured credit card rates range from 5.00% to 8.99% APR, verified by MonitorBankRates as of October 13, 2026. Top secured credit cards currently available include: Onomea Federal Credit UnionOnomea Federal Credit Union27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781A+5.0 ★Texas Ratio: 1.86%'s Visa Platinum Secured has an APR of 5.00%, Highway Crossroads Credit UnionHighway Crossroads Credit Union741 York Dr, Sikeston, MO, 63801B4.6 ★Texas Ratio: 19.41%'s Auto, RV/Camper and Unsecured has an APR of 5.29%, Highway Crossroads Credit UnionHighway Crossroads Credit Union741 York Dr, Sikeston, MO, 63801B4.6 ★Texas Ratio: 19.41%'s Auto, RV/Camper and Unsecured has an APR of 5.79%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit Union3404 Old Forest Rd, Madison Heights, VA, 24572 2447A5.0 ★Texas Ratio: 7.15%'s Visa Secured has an APR of 5.99%, and Highway Crossroads Credit UnionHighway Crossroads Credit Union741 York Dr, Sikeston, MO, 63801B4.6 ★Texas Ratio: 19.41%'s Auto, RV/Camper and Unsecured has an APR of 6.04%. Rates as of October 13, 2026 per MonitorBankRates.
Secured credit cards require a cash deposit that becomes your credit limit, making them accessible to borrowers with limited or damaged credit history. Used responsibly, a secured card is one of the most effective tools for building or rebuilding credit — especially from a federally insured institution.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: October 13, 2026
Compare Secured Credit Cards Nationwide
Payment Based Upon Balance; Maximum Credit Limit is $10,000; $25.00 Annual Fee; Secured by Credit Union shares
Credit Score: 750+ A+
Credit Score: 750+ A+
Standard or Variable: Standard
Credit Score: 701-749 A
Credit Score: 750+ A+
Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027
Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027
Credit Score: 750+ A+
No additional details provided.
No additional details provided.
Credit Score: 701-749 A
Variable
- Oct 12, 20266.75%▼ from 10.75%
- Sep 16, 202610.75%first recorded
Credit Score: 651-700 B
No additional details provided.
No additional details provided.
Low fixed rate; Helps establish or rebuild credit; Limit up to $25,000
No additional details provided.
As Low As
As Low As; Base APR; Loan Limits: $300 - $25,000; Terms: n/a
Published APR range: 7.0% to 17.5%.
As Low As; VISA Rates
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; VISA Rates
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Rate based on credit-worthiness; You set your own credit limit with a deposit to your SouthPoint FCU Regular Savings account.
Credit Score: 701-749 A
Credit Score: 651-700 B
As Low As; Other Loan Products
As Low As; After Introductory Period Rate as Low as: 7.50%; Regular APR: 7.50%
Credit Limit: Determined by the amount member designates to be secured from the savings or certificate account; Deposit Required: Yes; Recommended for: Anyone, designed for members with challenged credit history or those establishing or rebuilding credit history
Credit Score: 750+ A+
Published APR range: 7.74% - 15.74%. Build credit. Set your credit limit. Your refundable deposit is held in a secured Savings account. The credit limit on your card is established at a level $200 below your security deposit. An everyday card for your purchases. Use your card wherever credit cards are accepted. It works just like a traditional Credit card, and it looks the same, too - merchants can't tell the difference between a secured card and traditional card.
- Oct 1, 20267.74%▼ from 22.99%
- Sep 27, 202622.99%▲ from 7.74%
- Sep 22, 20267.74%▼ from 22.99%
- Sep 14, 202622.99%first recorded
No additional details provided.
As Low As
- Oct 10, 20267.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Rates as low as 7.75 APR*; An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee. An interest-only monthly payment based on a 10.00% APR is approximately
Credit Score: 651-700 B
Funds will be held in share account
Revolving
Fixed rate; Revolving (no set term, closed upon member request); Interest only fees; Payments: 3% of balance (min. $20); Funds held until loan is paid off
Visa Credit Card; Regular APR not separately stated; APR for which you may qualify is based on credit qualifications; Minimum monthly payment 2% of outstanding balance or $15, whichever is greater
APR* with approved credit
As Low As; Credit Card
As Low As; Credit Cards Rates table
As Low As; Credit card limit is secured by savings deposit to help member re-establish credit. Rates, terms, and conditions subject to change without notice.
As Low As*
As low as
Credit card; Loans effective 10/1/2026
No additional details provided.
Published APR range: 8.00% - 18.00%. Payment Based Upon Balance; Maximum Credit Limit is $10,000; $25.00 Annual Fee
No additional details provided.
Credit Score: 701-749 A
As Low As; Revolving
Credit Score: 600-650 C
As Low As; Fixed APR for purchases; 25-day grace period; no annual fee
As Low As; Advertised APR assumes qualification for the maximum available rate discount
Published rate range: 8.75% - 15.99%.
As Low As; Maximum Amount: $500; Rate as of 10.01.24
No additional details provided.
As Low As; Max amount of $15,000.00
As Low As; APR - Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
Credit Score: 600-650 C
Secured Credit Card APR Trend
Daily national average APR compiled from 229 banks & credit unions — updated daily.
APRs rose 0.012 pts to 15.48%, up from 15.47% last week.
Averages from 255 APR quotes across 229 institutions • As of Oct 13, 2026
What Is a Secured Credit Card?
A secured credit card requires a refundable cash deposit that typically equals your credit limit. Because the deposit collateralizes the account, issuers can approve applicants with limited or damaged credit histories. Used responsibly, a secured card builds the credit history needed to qualify for unsecured products.
Credit unions are among the best issuers of secured credit cards. They tend to charge lower APRs, require smaller minimum deposits, and offer a clearer path to transitioning to an unsecured card as your credit improves. Membership requirements vary by credit union.
When comparing secured cards, look at the APR, the minimum and maximum deposit, annual fees, and whether the issuer reports to all three major credit bureaus. MonitorBankRates displays Safety Grades and financial health data so you can evaluate the institution alongside the card terms.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate secured credit card APRs nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying rates daily, every APR on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems monitor 8,500+ banks and credit unions across all 50 states. Secured card availability and deposit requirements vary by institution — using the state filter is recommended to find options serving your area.
Daily Updates & Time-Stamped Accuracy: Our rate team verifies and updates secured card APRs daily. Every product listed features its own specific “last updated” date. Security deposit requirements and credit limits, where disclosed, appear in the product details panel.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective FDIC and NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
Frequently Asked Questions about Secured Credit Cards
What is a secured credit card?
How do secured cards build credit?
When can I upgrade to an unsecured card?
Are secured cards from credit unions better?
Will a secured card hurt my credit score?
Top Secured Credit Cards Today
- Onomea Federal Credit Union: 5.00% APR (Visa Platinum Secured)
- Highway Crossroads Credit Union: 5.29% APR (Auto, RV/Camper and Unsecured)
- Highway Crossroads Credit Union: 5.79% APR (Auto, RV/Camper and Unsecured)
- Central Virginia Federal Credit Union: 5.99% APR (Visa Secured)
- Highway Crossroads Credit Union: 6.04% APR (Auto, RV/Camper and Unsecured)
More Credit Card Options
