Secured Credit Cards

Secured credit cards are a common choice among consumers with poor or no credit. While these offers don't have the same features and benefits as unsecured credit cards, they can provide an alternative to build or establish credit.




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First PREMIER® Bank Secured Credit Card
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First PREMIER® Bank Secured Credit Card

  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • 24-hour online access, set up account alerts, and schedule automatic payments!
  • Quarterly FICO score is provided for free on the monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Security Deposits are placed in an FDIC-insured account
  • If approved, fund your Security Deposit to open your account.  Once open, you will have the opportunity to build your credit limit up to $5,000.
  • If approved, your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month.
  • Application response in as little as 30 seconds.
  • Issuing credit cards since 1989.
  • Join millions of First PREMIER Bank credit cardholders.  Apply now!


Credit Needed:
Poor, AverageCreditWeb considers people with a credit score below 600 to have poor credit. 2

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Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
Merrick Bank Secured Visa® from Merrick Bank
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Merrick Bank Secured Visa® from Merrick Bank

  • Unsecured credit line increases - After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance - use it anywhere Visa is accepted.
  • Quick, easy application - apply online today!


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$36 for first year. Billed $3 per month thereafter N/A N/A 18.95% Variable
With a secured credit card, you're required to provide a cash collateral deposit that acts as your credit line. As long as you pay your bill on time, this approach may help you establish credit. Although secured credit cards require collateral, these offers still provide benefits such as:


A secured credit card is one tool that can help you build or rebuild your credit. A few steps for rebuilding your credit are: apply for a manageable credit limit credit card, avoid missed payments to your creditors and establish diverse credit. You can learn more and apply for a variety of secured offers online.
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