Using a credit card responsibly is a great way to build your credit. If your credit history is stopping you from getting approved for an unsecured card then a secured card is a great place to get started.
Secured Chime Credit Builder Visa® Credit Card
300 – 687*
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At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics’ Overview
Having less than perfect credit can make many things difficult and working to improve your credit can feel like an extremely daunting task. The Secured Chime Credit Builder Visa® Credit Card helps build your credit history with your own money so you don’t have to worry about going into debt. There is no credit check to apply, no annual fees or interest charges and no minimum security deposit. Eligibility requirements apply. Read our in-depth Critical Analysis for the full terms and to learn more.300 – 687*
Card Details From Issuer
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
- No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
- Increase your credit score by an average of 30 points, with regular, on-time payments.1
- Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
Discover it® Secured Credit Card
300 – 669*
Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
View All Card DetailsAdvertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics’ Overview
This no annual fee secured card allows you to earn cash back while you build your credit with responsible use. The cash back you earn your first year will also be matched automatically and they begin reviewing your account after seven months to see if you are eligible to transition to an account without a security deposit.300 – 669*
Card Details From Issuer
- No credit score required to apply.*
- No Annual Fee, earn cash back, and build your credit with responsible use.
- Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
- Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click “APPLY NOW” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Secured Sable ONE Credit Card
Earn 2% cash back cash back on everyday purchases at Amazon, Uber, UberEats, Wholefoods Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
View All Card DetailsAdvertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics’ Overview
Start building your positive U.S. credit history while earning cash back with this straightforward secured card. You will earn 2% back on purchases with Amazon, Uber, UberEats, Wholefoods Netflix, Spotify, and more as well as 1% cash back on all other purchases. This card also offers a long list of member benefits. Click apply now to view all of the details.Card Details From Issuer
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- No annual fee, no minimum security deposit.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.